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

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  a Fraud Victim Alert s ince  XXXX   XXXX , when I was a victim of a crime and it extends for 7 years . Alert  includes my phone number so that anyone using my identity to apply for credit, the vendor has to contact me to insure that it is me applying for credit. I was able to obtain a HELOC and credit cards in late  XXXX  with no problem, with said alert in place. In  XXXX , I applied for   XXXX   XXXX   XXXX   XXXX  ; I was subsequently denied because Experian said they had No phone # for me. Upon request of my repor t (  dated  XXXX / XXXX / XXXX  ), I saw incorrect personal info on my report and requested same be corrected. They also claimed they gave the correct # to  XXXX   XXXX . Today I receive  2nd report  dated  XXXX / XXXX / XXXX .  Information ( w hich included an INCORRECT residential phone # that was not ever mine ) was deleted. However, a new residential phone  # ( again  -not ever mine ) now appears, not 7 days after giving them the correct information. It is impossible to contact anyone by phone, nowhere on either credit report is anything that says customer ID # which they require to submit further disputes online. They need a designated contact Phone number answered by a live person for consumers in the midst of a dispute. Instead th e 1st 3 pages of each r eport are trying to sell me consumer fraud protect ion (   XXXX  for {$8.00} a month. Experian is not protecting my credit but rather exposing me to additional risk. How do they get a new residential phone number for me, when I just spoke to them a week ago, confirming the o nly 2 numbers I have, ( one for over 30 years )? I still have not gotten an explanation as to what happened with    XXXX   XXXX . Representative said they would contact  XXXX    XXXX   to see what happened as my phone number is on their fraud alert ; However, I myself contacted  XXXX   XXXX   XXXX   and security showed me that my phone number was not included when they did the credit check. Experian is not protecting the hard-working taxpaying consumer, but rather the thieves. Are they going to tell me where they got this new fraudulent phone number? They continue to operate under the protection of the government, yet the consumers are not protected
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to unfreeze my credit and Experian stated that it was unable to do so over the phone or online, that I had to do it via written request. This will take time and money on my part collecting the information requested and submitting it via mail, on what I should be able to do over the phone or online. I am unable to speak with a live human to inquire why this is needed and get the issue resolved. I was able to get issues like this resolved before the CFPB was created. I am unsure what purpose you are providing the tax payers if service has deteriorated since the CFPB 's inception. I spoke to a very nice person on the phone at CFPB and she stated that she gets calls all day long about the credit reporting agencies from consumers who have similar issues who are also unable to speak with a person. This issue seems like this is low hanging fruit that the government should be able to fix in short order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit card accounts that are open and current with XXXX XXXX XXXX.

On one of the cards, I am the primary account holder. On the other, I am the authorized user.

Neither of these two credit card accounts are being reported to the 4 major credit bureaus as open and current. They are both are missing from my credit reports. 

I have contacted XXXX, XXXX, XXXX, and XXXX and none of them have admitted the problem or attempted to fix it. 

This is severely hurting my credit score, because these accounts are both open a long time, and our in good standing. 

I have also contacted XXXX XXXX XXXX, to have them fix it, but alas, nothing has been accomplished.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX : XXXX, XXXX XXXX  XXXX, XXXX : XXXX, XXXX : 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 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 details of the fraudulent Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, I received a notification from XXXX that J & L Teamworks ( collection company ) put a collection item in my XXXX account. As a result, my credit score plunged by 64 points, and ruined my credit just as I was going to have a background check for employment. J & L Teamworks contacted me about a year ago, but I remember being scared because the first thing the person said was, without even initially identifying herself or initially stating the purpose of the call : 'I know your social security number! No use trying to ... ' I hanged up right away, thinking it was some sort of identity theft prank call because the person claimed to know my social security number. 

The collection item that J & L Teamworks is trying to collect, {$530.00}, was a medical bill for an emergency service I received from XXXX Hospital in XX/XX/XXXX. At that time, I had 2 medical insurances - XXXX and XXXX XXXX. XXXX was my own insurance from my employment, and XXXX XXXX was my husband 's insurance in which I was also included. I found out 4 days ago, on XX/XX/XXXX, that the hospital incorrectly billed my secondary medical insurance, instead of my primary insurance. However, my secondary insurance paid the bill for {$530.00}. Months later, my secondary insurance ( XXXX XXXX ) retracted the payment and told the hospital that they should bill my primary insurance. But the hospital never told me this and they never sent the bill to my primary insurance : instead, they sent the bill to J & L Teamworks for collection as a past due item. The hospital never informed me about the retraction from my secondary insurance. Four days ago, I tried to resolve this and I contacted my primary insurance and they confirmed that they will pay the bill, as I have been paying my insurance premiums on time, and it is their responsibility to cover pay the medical bills presented to them per my insurance policy.This was an error on the part of the hospital. They should have billed my primary insurance, instead of my secondary, and they should not have sent the bill to J & L Teamworks for collection. They should have collected from XXXX instead. 

Now, J & L Teamworks is collecting the entire bill from my primary insurance, XXXX. I spoke with XXXX and they confirmed that they will pay the entire bill for {$530.00}. I asked J & L Teamworks to retract the collection item from my credit report, because the responsible party is XXXX - XXXX is responsible for paying the medical bill because I was insured and I have paid all my medical premiums on time through my employer and through my own monthly premiums deducted from my paycheck. As of today, XX/XX/XXXX, J & L Teamworks has NOT removed the collection item from my credit report, and they have damaged my credit which was excellent before they incorrectly reported a collection item on my account. 

In summary, J & L Teamworks has employed harassing telephone tactics, and they incorrectly reported an collection item on my credit report that is rightfully the obligation of my insurance carrier - XXXX. Lastly, they have damaged my excellent credit score and they should remove the report immediately.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( s ) with XXXX XXXX XXXX as the original creditor, corporate offices located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I do not have a contract with XXXX XXXX XXXX XXXX XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They did not provide me with the original contract as I requested. The Items are listed as XXXX separate accounts and amounts owed ( {$640.00} and {$160.00} with a partial acct # XXXX listed on one ) .These items were purchased by a third party debt collector. This ac

count ( s ) must be deleted as the status is not justified in any way, appropriated for less than the amount alleged to be owed. How much did the collection company pay for this item ( s )? I don't know and neither does my credit report ( s ) reflect such amount. This is a clear violation of FCRA as this activity is not accurate, or com
plete.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX XXXX  # XXXX -BALANCE- {$1100.00} DATE OPENED- XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX -BALANCE- {$770.00} DATE XXXX
Product: Credit card

Please see previous complaint XXXX. They still have not reversed all the fees and continue to send me emails that account is now 40 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous addresses that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included BRIDGECREST CREDIT COMPANY , LLC information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Product: Checking or savings account

1- Foreign currency It appears that all the transactions were made outside the United States . However, I have not traveled internationally on the dates the transactions occurred. 
2- There are XXXX disputed transactions on page number 1, however, the bank only provided XXXX transactions records. Why did the bank intentionally remove one record from the disputed transactions? 
3- On each of the XXXX records of the transactions provided by the bank there are no records showing that a correct PIN number was entered, it only shows PIN transaction 4- The PIN number of the card was generated and sent to me by the bank ( mentioned on page 2 ). As a reminder in XX/XX/XXXX, it was disclosed that M & T Bank experienced a data breach that became public between XXXX and XXXX of XXXX XXXXXXXX XXXX. The breach impacted data related to at least 95,000 individuals. The data exposed in the breach included names, addresses, and account numbers of M & T Bank customers. 
5- On page number 1, between transaction numbered XXXX to XXXX, we can clearly see that the bank intentionally removed again one transaction going from transaction ID number ending with XXXX to the transaction ID number ending with XXXX. It appears that the bank again has intentionally chosen to hide details of the transaction ID number ending with XXXX which is missing from their records. What are they trying to hide? 
6- On page number 1, transaction numbered XXXX Item ID XXXX, dated XX/XX/XXXX the amount shows {$500.00}. However, on the records provided by the bank, there are no record of the amount of {$500.00} being approved or completed successfully. Again, what are they trying to hide? 
With all the flaws mentioned above, it clearly shows that the bank and its unqualified and dishonest back-office team/ investigators managed to lie about their findings, redacted crucial information, and deny a claim ( without providing relevant evidences ) which they never had the intention to approve it in the first place. 
The bank is violating my rights ( zero liability protection ) and the FDIC regulations.
Product: Mortgage

Mortgage servicer is purposely overcharging on escrow payments for property taxes and home insurance. I was already behind on payments and applied for assistance and got none. My payments went up as a result from the escrow overcharge almost {$400.00} causing me to fall further behind on my payments. Now that I have caught up for the year of XXXX, I was told that I would be issued a surplus check because escrow analysis showed that I was overpaying and I have yet to receive that surplus check. 

I do not have any documents as they have not mailed them and will not upload online
Product: Credit reporting or other personal consumer reports

These collection accounts were posted back on my credit report even after these debts were sold to another collection agency under 15 USC 1692 I submitted disputes to XXXX, XXXX and Experian. 30 days has passed since I disputed these accounts.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multilayered scam operation orchestrated XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains. 
It should be noted that the Company, which is a client of yours, registered as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is committing financial crimes right under your nose, which involves, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred in the total amount of XXXX USD utilising your services ( See attached for reference ).
Product: Credit reporting or other personal consumer reports

Pentagon Federal credit union ( PFCU ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, XXXX and their affiliates are conducting a tsunami of unauthorized inquires into my credit report history. This has been going on since XXXX XX/XX/XXXXXX/XX/XXXXhrough present. The business address : Pentagon FCU-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ph XXXX, PFCU, XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) XXXX, XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; ph XXXX XXXX XXXX XXXX, Pentagon FCU- AXXXX, VA XXXX XXXX ph ( XXXX ) XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX GA XXXX, ph ( XXXX ) XXXX, XXXX, XXXX XXXX XXXX, XXXX GA XXXX, ph XXXX XXXX ) XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX. What occurred is PFCU disclosed personal data of my closed out joint Line of credit account ending in XXXX. PFCU creating a problem appearing fraud an installment. Imposters inquire my home equity, mortgages, auto loans, etc. I'm not liable after closing out line of credit. The intent is purposely harmful create negative effects, excessive inquiries impact credit scores/annual credit reports. XXXX acknowledged paid off the only 1 revolving credit card account history reveal what happened ( XXXX XXXX converted to a visa card holder lost/found, XXXX, XXXX ). Since XX/XX/XXXX all accounts closed XXXX. There's ' no extending the account, instead they are reporting inaccurately the score to drop, citing credit utilization, inquires of mortgage, insurance, XXXX, lenders real estate, XXXX, status being military. I've never served in the military. Something else I've tried correcting matters in-person and via telephone with both PFCU and XXXX institutions XXXX Having these revolving credit card or line of credit contribute false bank electronics changing the narrative. And that is I'm no longer borrowing money with these banks ; officially closed accounts. I don't need access anymore. Actually I never had a mortgage thru these credit unions.
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX. Acct # XXXX ACCORDING to US Code 1320d-9 note, this is a HIPAA VIOLATION XXXX No medical information shall be distributed for permissible purposes for the consumer without consent. I do NOT consent. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages, Kindly, DELETE the collection accounts above mentioned as soon as possible.
Product: Checking or savings account

I was a Victim of the U.S. Bank $ XXXX Overdraft Fee Class Action Settlement!!! I had a checking account and a business account with US Bank from XXXX - XXXX in XXXX XXXX XXXX and XXXX XXXX. I was Scammed many times by US Bank with overdraft fees. I didn't have a account with the bank or lived in previous address when the Settlements were paid out.
Product: Checking or savings account

Today I was suppose to receive my direct deposit. Capital one is holding my money and there arent giving updates on what is happening. XXXX day is on Monday and XXXX pretty sure that they arent going to give us our checks until next week. They probably dont even have the money to give us our checks. I want my money in my account as soon as possible. This is unprofessional and unacceptable.