23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX XXXX XXXX, Account name : #, Account name : #, Account name : # has violated my rights. 

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Resources
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed
Product: Money transfer, virtual currency, or money service

Friday XX/XX/year> - unauthorized fraud wire transfer in the amount of {$3000.00} from our Wells Fargo personal checking account number ending in XXXX. This account number has been closed and the new number is XXXX. 
Friday XX/XX/year> - unauthorized wire transfer in the amount of {$3500.00} from our business checking account ending in XXXX. This account number has been closed, and the new number is XXXX. 
I provided Wells Fargo with all the fraud I formation they never caught. I am set up to receive alerts concerning suspicious activity from Wells Fargo. I received an alert questioning a purchase at a XXXX XXXX store in the amount of {$880.00} that I denied. Received another text warning me of a {$23000.00} wire transfer. The alert thanked me for my response and that a fraud specialist from Wells Fargo would contact me. The phone rang, and it was the fraud specialist with a claim number, the fraud bank, the frauds name and address. I was told I would be receiving another call for a summons to arrest the fraudster. I didnt get a call back, and two hours later, the same day, contacted the real Wells Fargo to confirm this incident was going on. They informed me the call was not from a Wells Fargo line. I had been hacked. I never gave my account info to the fraud, nor my social security number. They had all my information in front of them, and with the claim number, I didnt suspect fraud. I provided Wells FarfoXXXX all the information and filed a police report the next morning with Deputy XXXX XXXX, case number XXXX. I uploaded screenshot photos of the fraud texts to XXXX and the police. I also provided the fraud info recipient, address and bank the same day, Friday, XX/XX/year>. The fraudsters name and recipient of the fraud wire is XXXX XXXX at XXXX XXXX XXXX in XXXX, NY, and the bank was XXXX. I have called Wells Fargo everyday since the fraud, and been given the run around, transferred to approximately 60 different representatives, only to receive snail mail yesterday that my case is denied, and closed. I will fight this. I want my money back. My husband had an accident the next day, needling emergency XXXX, and we have no income. Our accounts are wiped out. Weve opened new accounts at another bank with whatever little money we had left.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX/XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed XXXX {$7100.00} XXXX XXXX XXXX BalanceOwed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( XXXX XXXX  XXXX  ) XXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Accounts # XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

my flight to get to my family members funeral in Florida was cancelled within several hours of departure time. I had to get help to find an alternate way to get there! One option was calling XXXX XXXX XXXX XXXX. It appeared as an affiliate of XXXX XXXX. They insisted they were XXXX XXXX XXXX XXXX. They ended up charging this addtl XXXX over and above full flight fee paid to XXXX XXXX. I later found out this is a fraud company & they had no viable way to be contacted. I contacted capital one regarding this fraudulent company & this addtl fee. I included detailed dates, timeline, copy of a documents, phone numbers etc. Capital One then CREDITED my account for XXXX. However on XX/XX/23 they reapplied the XXXX charge to my account stating they are closing the case. We were to contact the merchant. But the merchant is no longer in business & I feel they had no right to charge me! ( again XXXX XXXX had received their full payment ) I believe a fair resolution would be for Capital One to honor this XXXX credit as was originally done!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been receiving emails and phone calls stating they want to talk with me or my attorney. I spoke with XXXX representative and she stated it was for a pay day loan. I have never taken out a payday loan. They have called all my family members and when I ask for anything in writing they state they can only email.
Product: Money transfer, virtual currency, or money service

Money taken off account multiple times, disputes, no refund.
Product: Mortgage

I applied for a construction to permanent loan from Wells Fargo in XXXX when it came time for Wells Fargo to step up and convert the loan to a permanent loan, they claimed they never offered that service. A year ago they returned the origination fee a paid to get the permanent loan with a letter say since I opted to not move forward they were returning my origination fee. I had finally gotten over the fact that they forced me into bankruptcy, lied and cheated back at that time and then I get this letter. I realize many people were in a similar position and I an not the only one. I have documentation proving they had offered this service and it didn't matter. I have found over the year that Wells Fargo is an organization of extremely unethical people and it starts at what was the top back then.
Product: Checking or savings account

I got permanent limited on my account even i didn't do anything and they didn't told me for what reason doing that. I can't use my account and i have funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc.
This data breach has resulted in [ 2 ] fraud transactions, one from XXXX XXXX ; both have been handled by my credit union 's fraud department resulting in emotional duress and time loss. 
As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. 
Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a unsecured website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 
This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit card or prepaid card

I am still without refund for the taxes paid on the phone for a mere {$63.00}, which I have initiated a dispute on my Visa card for that account charged on the basis that you charged me for something that I dont have and you should have never charged me. From what I have been told. You are only to charge taxes on a lease phone plan and the plan even though it was supposed to be a lease was setup as a payment plan. So therefore, you charged me taxes you were not supposed to.
Product: Credit reporting or other personal consumer reports

I need to apply for a personal loan, and to proceed, I require the freeze on my credit report to be lifted so that the lender can access it.
Product: Vehicle loan or lease

GM Financial has incorrectly sent late payment information to the credit reporting agencies. 

This was a new vehicle purchase. There was some sort of problem with the account setup and then this reflected in their website. 

I was getting confusing information from their website - that my account had been cancelled, then access was locked and i couldn't get back in, then couldn't the new account. Then, when I tried to apply payment on several occasions, the system would not accept the payment. 

Then I called the service center to make a payment and the clerk took my payment information and I thought the matter was settled. 

However, a few days later, GM Financial called me to say that they had no information about the payment and I was late. I gave them the payment information again. The lady was very rude and said that there was no record of my previous call and that " no one else is having trouble with making payments on the online system ''. Really? I find that hard to believe. 

After spending an hour on the phone with an agent this week, I was able to get access to my account and will hopefully be able to make payments online. I am up to date on my account and the GM Financial System says I am current and next payment is due XX/XX/XXXX. However, you can not see payments made by calling the call center on their online system. 

If not for the process, system and coordination snafus at GM Financial, the payment would have been on time. 

There has been snafu after snafu dealing with GM Financial. And, they have a message saying there is a new system coming on XX/XX/XXXX. I am fearful this will not go well and I will not be able to apply my payment online. Hopefully this works.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

My wife had a Bank of America credit account and original statements from 2003 onward show only her name. I used a second card for a short time to increase reward points but stopped because of the card 's inconveniences. I was never an " owner '' of the account yet I discovered that BoA had me as an owner and my name on statements in later years. BoA claims I could not have been added as an owner without my permission. Upon request of proof that I asked to be an owner, they were unable to find any. They took me off the account and I have a letter from them showing I am no longer on the account. In the meantime, my wife settled her debt and is paying BoA monthly via XXXX XXXX which is a credit consolidation/repayment firm. My issue of complaint is that XXXX refuses to remove the months of non-payment while the debt was being settled from MY credit report. They have it as a negative on my account even though I have shown them the letter from BoA stating it is not my account, and BoA has no evidence proving I ever asked to be on the account. When I file a dispute through their automated system, they simply reply " BoA confirms the info is accurate. '' I have provided them with the letter stating I am not an owner of the account. I don't know what they are getting from BoA- maybe just confirmation the account exists? But since it's all automated, no human seems to be seeing the evidence properly. XXXX is not asking for proof that I have asked to be an owner, only taking the word of BoA? All the other credit agencies have removed this from my report in good faith after I provided the BoA letter stating I wasn't an owner. But XXXX does nothing but go in automated circles. Before they simply believe that I was an owner, they need to ask for proof that I requested to be an owner, as I have done. When they're given no proof, they should clear this from my otherwise always perfect report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent my friend a dollar on cashapp XXXX minutes later I was charged XXXX separate times by cashapp for the amounts of XXXX and XXXX for a total of XXXX dollars and it said I sent him that money but he never received it when I didn't authorize those transactions I've tried to dispute the transactions but cashapp has refused to give me my money back Ive done several disputes their reasoning is because oh it came from your phone you had to authorize it Below attached is the transaction history with said friend
Product: Debt collection

Debt was paid on XX/XX/2021. I was on an autopay with the company. I never received a final bill or any documentation from XXXX saying i owed anything else. Collection agency wouldn't give me back-up documentation supporting what I owed or my payment history. XXXX is unable to provide me any documentation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account XXXX has violated my rights 15u u.s.c 1681 section 602a states I have a. Right to privacy 15 u.s.c 1681 section 604a section 2 It also states a company can not furnish an account without my written consent XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX  number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX  account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I'm personally submitting this complaint regarding late payments on my credit record. My review uncovered these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm now requesting your help to resolve this issue quickly and effectively.
Product: Debt collection

On XX/XX/18 I received a collections notice with a balance of {$610.00}. On XX/XX/18 I called to settle the debt. I was told if I paid {$570.00} the debt would be settled. I called back and was told that the balance was {$630.00}. We ended paying the {$610.00}, but I was confused on all the different balances they provided.
Product: Credit reporting

Happy Friday, I checked my credit recently and I still see XXXX on my credit. I have disputed this information as fraudulent I have also submitted the information for XXXX, XXXX AND TRANSUNION to verify this information ... They have not sent me correct information that is verifiable. I 've complained filed disputes its still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 I was notified that my social security number, drivers license and credit card information was compromised in a data breach. I notified the police and followed the security suggestion. I pulled my credit report a few weeks ago only to find out their are accounts on my credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WROTE EQUIFAX XXXX TIMES ABOUT REPORTING A FRAUDULENT INACCURATE CLOSED CREDIT CARD ON MY CREDIT REPORT FILE. 
THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY REPORT ACCOUNT XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act CFPA specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress