23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I discovered that {$5800.00} was missing from my money market account. I checked all accounts and learned that it had been transferred onto my prepaid bank card and spent at 2 different locations in New York. I immediately called he fraud dept and reported this. I also called the XXXX XXXXXXXX XXXX where the money was spent. Nobody has my personal information but me. I don't have passwords written down. They are in my head. The bank says they are not at fault. They gave me a provisional credit on my card which I transferred back onto my money market account. Now they have reversed the credit and have a negative {$5200.00} showing on my card. I have gone to bank numerous times. Filed police report and turned in questioner forms to the branch manager. XXXX XXXX. All I can get out of them is that the bank is not at fault and saying I must have authorized the transaction. I knew nothing about it until I checked my account. They won't even tell me if they received the police report. XXXX XXXX # is XXXX XXXX XXXX. Please advise as to what to do. I will contact a lawyer if I need to. Thank You. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX TRANSUNION REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX XXXX XXXX AND TRANSUNION STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. XXXX AND TRANSUNION still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.
Product: Credit reporting

XXXX has placed a collection on my credit despite the fact that their parent company was paid by me. Equifax has this reporting as account # Account # XXXX, however my Account # XXXX was the number listed on XXXX bill. The patient # XXXX. I sent them a check on XX/XX/2016, it was received and withdrawn from my account on XX/XX/2016. They have not removed this from my Equifax profile. I have attached a copy of the cleared check.
Product: Debt collection

I pay on the debt on a monthly basis, and I have repeatedly called in to pay it now that I am aware it is on my credit report. I have been polite and asked the company to stop calling. I most recently paid as much as I could on XX/XX/XXXX, and today, XX/XX/XXXX, I received another call about the debt. I do not have enough money right now to make any extra payments on my debt until XXXX. The name of the company is Southwest collections.
Product: Checking or savings account

On  XXXX   XXXX , 2017, I was charged a {$25.00} ACH return fee for a  XXXX  purchase of {$59.00} made on  XXXX   XXXX , 2017 due to NSF.
Subsequently, on  XXXX   XXXX , 2017, I was charged another {$25.00} ACH return fee for the same purchase ( my account still did not have sufficient funds to cover the purchase ).  XXXX  attempts to RETRY several days after the first attempt resulting in the bank charging fees on the original ACH return as well as subsequent retries. On  XXXX   XXXX , 2017, I was charged yet another {$25.00} ACH return fee for the original  XXXX  purchase.
On  XXXX   XXXX , 2017, the same thing happened with my  XXXX  auto insurance autopay. I was hit with a {$25.00} ACH return fee. On  XXXX   XXXX , 2017,   XXXX    attempted an ACH retry. I was n't charged a return fee this time because the bank froze my account.
I received a letter on  XXXX   XXXX , 2017 from the bank saying that I had excessive return activity, and that they would close my checking account if it continued. Although I take responsibility for the original ACH returns, I am not in control of ACH retry attempts, and the bank is charging me fees multiple times for each retry ( even though ACH rules do n't consider retries as seperate transactions ).
I hereby dispute the fees and/or actions associated with ACH retries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Also, accounts are already deleted from the other bureaus therefore they MUST remove the accounts immediately. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX )
Product: Credit card or prepaid card

I discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX
Product: Bank account or service

On XXXX/XXXX/2016 Paypal submitted a trial deposit of XXXX into my XXXX business account in attempt to illegally access my account. The item description was labeled PAYPAL XXXX XXXX XXXX XXXX XXXX, I have no idea who is XXXX XXXX, nor did I authorize any external link between my XXXX account and paypal. They can not legally just attempt to link themselves to customer accounts without their consent!, they also said that I owed them {$4000.00} balance for services I never rendered. I have attached the supporting documentation of what I reported as fraud on my account.
Product: Debt collection

My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with 3 credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and XXXX XXXX XXXX to not follow through with the line of credit. XXXX and XXXX complied and XXXX XXXX XXXX  sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind. 
They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to Midland Credit Management Inc who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXX XXXX. 
I live full time in XXXX XXXX  and pay taxes in XXXX XXXX. and XXXX  State. I stay part time with no current lease in XXXX XXXX XXXX  were I have a small non profit and am here sporadically and do have a XXXX  drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX. 
In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud. 
XXXX and Midland put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX  by XXXX.
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to remove fraudulent items, I am deeply troubled by the outcome of this attempt. The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of this attempt to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've try to make payments on BestBuy.com to promotional balances. It never works to try to apply to a particular promotional balance. However, the website states that it automatically applies the payments to promotional balances. I got an interest charge in my XXXX Bill for the amount of {$1300.00} for an item I bought 2 years ago, which was 24 months no interest. I've been making payments on time and substantial amounts i'm not sure how they've been applying the payments to the promotional balances, and i'm surprised how much they didn't put into my promotional balances. Every time i try to emailing them through their website regarding this and press send the screen goes blank. I'm not sure they are getting my emails and it is frustrating. I work during their hours of operations email is the best options. I want a list of how all my years of payments for the past were applied to my my promotional balances.
Product: Credit reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENT ACCOUNTS : XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I also never knew of this account I have an FTC report due to the fact that the police in my community was low on staff & stated they would get back with me since it was a non-violent crime. This debt is not mine my identity was stolen and used without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2700.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I paid this account in full. Please remove this account from my credit report as it is no longer a reflection of my creditworthiness. I was young and XXXX and made a mistake. That I will not make again.
Product: Credit reporting

After speaking with the company, they agreed to take it off my bill. I then closed the acccount XXXX years ago myself. They did not close it. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/ I made a {$2500.00} mobile deposit in my checking account. On XXXX  I went to the branch to Notarize a document. The branch manager XXXX XXXX XXXX notarized the document and I left. Few hours later I couldn't access my account. On XX/XX/2023 still couldn't access my account I went to the same branch and spoke with XXXX XXXX, he immediately told me that the check i deposited was Counterfeited. He printed a copy of the check, and also called their fraud department. ( luckily I had my recorder with me and recorded this entire encounter ). I went home and called customer service and was on the phone with them for almost 90 minutes ( also recorded entire conversation ) I was told " the bank have the right to close your account '' and refused to give me any additional information, and was told that I will receive a letter in the mail within 60 days. I had disputed few payments that I did not authorize. Huntington Bank reversed these dispute after I made the deposit. It became very clear that Huntington bank tried to steal my money and close the account. 
I became homeless because of this, I wrote to the bank, drove to several branches, and finally I receive a phone call from their Corporate office. The check was from a landlord who withdraw money from bank account without my authorization, and found by court to be liable and pay me {$2500.00}.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, XXXX & TransUnion under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information furnishing my good name with XXXX & collection agency, I mailed out a dispute letter to the Collection agency & XXXX to ask for Validation of debt. They FAILED to send me Validation of the alleged debt or a form with the original agreement and wet signature from the alleged debt. They sent an itimization which is a breakdown of charges and not consired VALIDATION OF DEBT. I sent the letter on XX/XX/XXXX and on XX/XX/XXXX they sent me a response on the XXXX online portal that everything was Validated. How can this be if they did not provide me with the requested documents mentioned above and in my dispute letter?