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

Under the Fair Credit Reporting Act ( 15 USC 1681 602 ( a ) ), consumer reporting agencies like ARS ( Advanced Risk Solutions ) have a legal duty to act with fairness, impartiality, and respect for consumers privacy. I am the consumer, and I have the right to ensure that my private information is not shared without my consent.

15 USC 6801 establishes that financial institutions must respect their customers privacy and protect their nonpublic personal information. A furnisher of information qualifies as a financial institution under this law. Additionally, 15 USC 1681 604 ( a ) ( 2 ) states that a consumer report can only be furnished with the written consent of the consumer. I have not provided such consentverbally, non-verbally, in writing, or otherwise. Any previous consent is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) requires financial institutions to notify consumers of their right to opt out of nonpublic personal information sharing. XXXX, along with any furnisher of information, has failed to notify me of this right.

Under 15 USC 1681c ( a ) ( 5 ), adverse information can not be reported if it is older than seven years, except for criminal convictions. The account in question is an adverse item being reported without my consent, in violation of the law. Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, and 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with the law. XXXX has failed to meet these standards.

Lastly, under 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am formally exercising that right now.
Product: Mortgage

Refinancing mortgage ... on XX/XX/XXXXwe closed on our loan with XXXX XXXX XXXX in XXXX XXXX Utah. they recieved pay off amount of {$130000.00} from XXXX XXXX XXXX in Virginia the money funded on Monday XX/XX/XXXX at witch time XXXX XXXX XXXX notified me that they changed the amount to {$140000.00} and said there had been a typing error at witch time we were responsible for the difference the loan had been finalized and could not be changed with no apology from either company had been given. now at XXXX time a heavy financial burden has been placed upon me and my family do not feel at this time justice was in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX account XXXX XXXX XXXX ON EXPERIAN AND account XXXX XXXX XXXXXXXX ON 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 aslo states a consumer reporting agency can not a account without my written instructions
Product: Debt collection

On XX/XX/XXXX I settled in full an account with Diversified for the XXXX XXXX XXXX collection # XXXX.Attached you will see a letter confirming this. Recently I was alerted by my mortgage company that I have a new collection from Diversified opened in XX/XX/XXXX for XXXX XXXX XXXX for almost the exact same amount. In reviewing the report, it appears the last date of activity on the first collection was in XX/XX/XXXX and then the new one was opened in XX/XX/XXXX as well.I do not understand why they opened a new collection account for a collection that was just paid.
Product: Credit reporting or other personal consumer reports

Discover bank use my information to open a credit card in my name with out my authorization, they are committing fraud, this card was not open by me and they are ignoring the fact that they will be sued and pay for damages and my lawyers fees if this is not removed i will send a letter f intent to sue, they will pay for arbitration and since I have complaints that i have filed, I have even a rep I can contact and have in court or in arbitration that has evidence of me being a victim of identity theft, I will sue for as much as I can get, now take this account off my credit report, this is my last and final warning to this bank, take it off or be sued and tell turn this over also to the attorney generals office and I will contact an investigator from the news media regarding this issue, they would love to run a story showing that this bank is stealing and using my personal information to defraud me and commit fraud and use my identity to establish this account with out me knowing about this account is not mine now take it off. I never open no account through any website. Yall are stealing my personal information I dont appreciate it at all, I wlll sue and I will put this on national television , channel 5 which is XXXX XXXX will live to know and will throw yalls reputation under the bus and you will lose business. Leave my name and my personal information out of this or will own that company, your investigation shows someone other than me open that account all yall are doing is blaming someone so you can constantly steal my information, CFPB yall need to investigate discover bank Im not the only one they have used their information to commit fraud, I have tons of information that discover has ignored, Im asking for yall to investigate and fine this company and its affiliates, my information was found on the dark web by someone and it has been used, I have documentation from the IRS stating that my information was found by someone that had used to gain a credit card and discover has ignored it, I am a victim of identity and I have documents to prove that, if discerning doesnt want it be sued, take the account off its not my credit card period
Product: Checking or savings account

I placed a deposit with Bank of America on XX/XX/2019, for the amount of {$15000.00}. This deposit was made through the ATM. A hold has been placed on these funds for 10 business days. My complaint is that I was not notified that the funds would be placed on hold at the time of the deposit. I should have been notified, and given the opportunity to not complete the ATM deposit. I would have made an educated decision as a consumer to go to the bank on which the check was drawn, and obtain cash or a cashiers check for the amount of money. I thought their may be a hold of a few days, but not 10. In a world where quick transfers occur overnight, there is no reason to hold a check for 10 days. 

This is particularly upsetting because this check was issued by my attorney, and needed for health care and equipment. This is why I would have ensured that I went to the bank which the check was drawn on to obtain the money. 

Call Bank of America 's customer service did nothing to resolve the issue, and there is no further recourse according to the call center manager. I should have the right to determine if I am willing to wait on the hold, or to cash this check in another fashion. Bank of America has denied me my right as a consumer to make an appropriate decision for me and my family.
Product: Checking or savings account

My chime debit card was used unauthorized and I filled a claim and they denied my claim. I lost over XXXX XXXX with chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Transunion has been reporting erroneous information on my credit report and I've tried several times to have this information corrected. I have a public record on my report that is not accurate and have disputed this account and asked for validation several times from Transunion. Transunion has stated this information was verified by the courts and XXXX XXXX. I initiated an investigation with XXXX  and XXXX XXXX ; both confirmed that this account was not mine or was not provided to Transunion. I presented this information to Transunion and they have responded with false information, stating the public record has been verified. This should be illegal and I'm considering filing a complaint with my state AG office and will consult an attorney. This is a serious violation of the FCRA. 

Below are the steps I've used to correct this information : XX/XX/2020 I contacted XXXX  to verify verification process related to XXXX  reporting, XXXX  responded on XX/XX/2020 stating they do not verify bankruptcies with third party agencies or Credit Bureaus. 

XX/XX/2020 I submitted a complaint to CFPB concerning incorrect information reporting on my XXXX account. 

XX/XX/2020 XXXX responded with a letter stating the public record was deleted from my file and was not accurate. 


My rights have been violated and my next course of action is litigation. I've provided attachments to show proof of my actions and investigation. Please remove this pubic record from my account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only address that should show is : XXXX XXXX XXXX XXXX, NJ XXXX **In addition hard inquiries not made by myself : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX In addition : XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the fair credit reporting act the above stated companies have violated my rights 15 U.S. Code 1681s602a-Section 1- I have the right to privacy 15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Debt collection

This company continues to call me everyday and leave text messages stating that I owe a debt to them. Ive gotten several call daily and several text messages daily. Ive blocked there number and they still continue to call me from the same number and several others
Product: Credit reporting

Transunion, XXXX, and XXXX are reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 8 months I have attempted to get Equifax to remove incorrect information listed on my credit report for an account. I have provided them with proof to show that the debt was satisfied months ago. The creditor refuses to admit fault and correct their mistake. This negative reporting has impacted me negatively. Paid debt to XXXX XXXX XXXX in XXXX on XX/XX/2017 to settle account. Spoke to rep over the phone who advised me they could not take my payment over the phone. I was ill that day. I got up and went to the bank on XXXX XXXX to make the payment. The line was long. I waited. I checked in on XXXX so there is a time stamp of my visit. I was attempting to pay and was told by the rep that I could not pay by check to close the account. The bank was closing so they allowed me to do the transaction as electronically using my debit card. The rep thanked me for coming in and reassured me there would be no impact to my credit report. A week letter my credit was hit negative reporting of delinquent account and now charge off. I called the bank several times.I spoke with the bank manager. I spoke with the call center. I spoke with the call center manager. Each agreeing to remove the negative remarks, but no one has. I need help protecting my FCRA rights to accurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Product: Vehicle loan or lease

I have been trying to get BMO to provide proof confirmation of lean perfection for over 3 weeks now and have gotten nothing but the run around. I was told I would get the document emailed between the XXXX and XXXX, nothing. Then I was told that they didnt have it. Then I was mailed a pay off letter. I was given in the branch on the XXXX of XXXX s letter stating that I had a loan with BMO for my car. My wife spoke to a XXXX at the XXXX XXXX XXXX on the XXXX who told her that the lien still isnt perfected and no other information. I need this document for legal purposes and have spent over 20 hours contacting bmo in the last month to no avail. I get hung up on after trying to escalate the call to get help numerous times. I need this document now. This is illegal.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up 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 accounts 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Product: Mortgage

My mortgage was purchase by PRMG from another company. My XXXX. payment was cashed by the original mortgage company. PRMG keeps saving I am late on my payments even after I have called, emailed and U.S mail all the cashed checks proving that I have paid every month. It has been going on since XX/XX/2020 and I can not get them to correct it in their system. They keep saying I owe them money even after I have provided proof. They have given me late fees and reported it to the credit agencies. If they are treating someone who pays every month like this, I can only image how they are treating customers who are struggling financially in our current climate.
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CREDITACPT. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THIS REPOSSESSION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 I noticed that my bank account was overdrawn. Upon research with the bank for the previous XXXX months there had been unauthorized charges coming from my PayPal which was linked to my bank in the amount of {$14000.00}. Upon notifying PayPal they said they cover XXXX days but there process is longer so I should contact my bank to cover the renaming portion which I did. The bank issues me a temporary credit of {$8600.00} and PayPal {$2500.00}. Now I receive a call from PayPal saying that I owe them {$1300.00} and my bank is saying {$4500.00}. Apparently PayPal put the same dates and my bank so they are rejecting my claim from both sides leaving me negative. PayPal is refusing to correct the issue saying its now pass there covered period even though they are. The ones that put the wrong dates. Now I am out over {$10000.00}. My email address with PayPal is XXXX XXXX
Product: Credit card or prepaid card

XXXX  bank called me 7 times within a 24 hours period. This is a violation.
Product: Checking or savings account

on the beginning of this pandemic, I applied for a job that turned out to be a scam. 
i had a check deposited into my bank of america checking account, and the check was cleared after almost 2 weeks. At this point, i thought i wasn't even employed anymore, so long i had my " boss '' waiting for that check to be cleared. 
turns out one day, after a few errands that we ran, bank of america called saying that it was a fake check, and that I had to return the money to the account, money which i have not benefited from. 

they blocked my account and credit card, and the funds that I had there.
Product: Vehicle loan or lease

Bridgecrest is the car loan company that I took out 4 years ago. 
I believe the marshals are conspiring with bridgecrest or the city marshals are creating fake email and bills to defraud XXXX XXXX I just made a payment a few days ago and they keep send me the same amount before I payed. Im not even getting all my receipts. Ive reported it the the authorities but there isn much they can do. 
Ive been paying a 68 month payment plan that started in XXXX, at XXXX loan. Slthough the vehicle was XXXX. My balance in XXXX is near XXXX, XXXX after paying consecutive 3 1/2 years without missing a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX