23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : Account name : DEPT OF EDXXXX # XXXX, XX/XX/2018 Account name : DEPT OF ED/XXXX  # XXXX, XX/XX/2018 Account name : DEPT OF ED/XXXX  Bankruptcy XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX In accordance with 15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The United States Bankruptcy Courts do not release information to third parties nor are they data furnishers to credit reporting agencies. The inclusion of bankruptcy information obtained by fraudulent means is a violation additionally in accordance with XXXX  39-121.03 a data aggregator who obtains public records for a commercial purposes must provide a statement setting forth the commercial purpose for which the public record will be used. It appears none of the credit reporting agencies or their aggregators filed this notice and thus failed to follow Arizona law in this matter. 

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

This is the several times I've complained about being a victim of identity theft. You must remove any account that was 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 information relating to any transaction by the consumer. 
XXXX / XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX Balance {$590.00} XXXX XXXXXXXX Balance {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$89.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. 
The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 
2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 
3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 
4. I have not assumed or refinanced this loan in my name
Product: Debt collection

ACCOUNT WAS SENT OVER TO COLLECTION AGENCY ASTRA RECOVERY SERVICE ON XX/XX/XXXX BUT THE DEBT WAS PAID XX/XX/XXXX IN FULL. I WAS TOLD BACK IN XX/XX/XXXX THAT THE DEBT WOULD BE DELETED. I REACHED OUT IN IN XX/XX/XXXX TO BE TOLD TO SEND OVER A LETTER AND THEN 30 DAYS LETTER IT WOULD DELETED. I CALLED BACK XX/XX/XXXX AND NOTHING HAPPENED. THEN I TRIED AGAIN IN XX/XX/XXXX ONLY TO BE TOLD TO NO DISPUTE WITH THE CREDIT BUREAU TO SEND OVER ANOTHER LETTER. WE ARE IN XX/XX/XXXX AND THIS FILE HAS NOT BEEN DELETED. I AM TRYING TO PURCHASE A HOME AND THIS IS HOLDING ME BACK. PLEASE HLEP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXX XXXX XXXX ohio XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OHXXXX all the accounts will be highlighted on credit r

eport as well its 17 that are listed in the bankruptcy and the report ic systems needs removed never done business with nor should they have my medical info. all hard inquires removed except for the two open accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I notified Ocwen Mortgage of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department of Veterans Affairs and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the Ocwen Mortgage reappeared on my XXXX  credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. XXXX responded with Ocwen said it was a factual debt. I have fought with Ocwen over this mortgage and all the XXXX day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX XXXX  credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Chexsystems, etc. This has negatively affected the consumers ability to attain credit and services for XXXX family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Product: Credit reporting or other personal consumer reports

On [ XX/XX/year> ], ( CFPB Complaint # XXXX, XXXX, and XXXX ). I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. However, in response, your agency has simply stated that the accounts in question were " verified '' without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. 

Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute - this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 2. Confirm whether your agency c ontacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted- this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested item
s.
Product: Checking or savings account

My US Bank checking account was open in XX/XX/XXXX and was closed in a week. US Bank claimed there was fraudulent activity in my account. US Bank also claimed they contacted me " numerous times '' in XX/XX/XXXX about the fraudulent activities and I didn't get back to them which is why they closed the account. I swear to XXXX this is a complete lie! US Bank did contact me once in XX/XX/XXXX and I called them back right away to verify all the information they requested. I was also promised everything was fine with the account but the account was closed days later and my US Bank online sign-on was revoked. The only activities I did before my account was closed was sending trial deposit from my other bank accounts XXXX XXXX Bank and XXXX XXXX ). There was XXXX fraudulent activity. Despite multiple calls with US Bank, they couldn't reinstate my account. 

I opened a XXXX of XXXX account with US Bank on XX/XX/XXXX. The account was approved and I was able to fund the account during the application process. When I tried to set up online banking for my CD account, I was told I couldn't sign up for online banking because my online sign-on ( the checking account from XXXX ) was revoked. The XXXX account in XXXX is a completely different account from the checking account in XXXX. I don't understand why I couldn't use online banking for the account. Can someone please assist? I just want to use online banking for my CD account that's already opened. 

Thank you!
Product: Debt collection

An affidavit of truth was sent to GREAT LAKES and received by them on XX/XX/21 along with a invoice for the amount due for laws violated. A letter was then sent back to me stating that they would respond in 30 days as this is not a proper response for an affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Consumer Loan

CareCredit.com is who I am trying to pay back, but I found that I am charged an astronomical late fee if I do n't make the monthly payment. My understanding was that if I paid the amount that CareCredit loaned to me, that is the total that I would pay within the " interest window ''. I borrowed {$750.00}, made a payment of {$140.00} and my balance is {$1000.00}. How is this transparency allowed to be carried out by CareCredit when I am still months within the payoff date?? This is wrong to charge these fees, especially when I am not past the XX/XX/2017 payoff date.
Product: Debt collection

On XX/XX/2017 I received an alert from my credit monitoring service that a collection account has been added to my credit report. I notice this is from a company I have never heard of or done business with. Convergent has placed an account on my credit report without contacting me, neither before or after the negative reporting. I was n't even given the opportunity to have this debt verified or disputed and more importantly I am convinced that this is a fraudulent reporting and extremely poor and deceptive collection practices at best. Convergent is practicing deceptive debt collection and has a total disregard for the Fair Debt Collection Practices act as they are in complete violation of the act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered a mistake in my credit report, with an account showing late payments, though they were made on time. Credit agencies are required to report accurately, and this account was never late. I've attached the relevant dates. Please investigate and provide proof. If unverifiable, I demand the payments be updated to reflect on-time payments immediately. Thank you for your quick action.
Product: Credit card

I was shopping at XXXX. I was asked if I wanted to apply for an in-store credit card for a percentage off of my purchase. I stated no. I did not give them my personal information. I did not give them permission to run a credit check on me. I told them I did not want their credit card. Several days later I get a notification from my credit reporting service that I have a hard inquiry on my report now from XXXXComenity in which the card was denied. A card I never applied for in the first place. This lowered my credit score from XXXX down to XXXX. Im XXXX years old and Im trying my best to build my credit. This is absolutely unacceptable. Once I received the denial letter today. The reason I was denied was because my Social Security number was not provided. It wasnt provided because I never applied for the card!! This is fraudulent activity and I dont appreciate it and I want it removed from my credit report immediately and my credit score restored to what I have worked so hard to get it to be. Completely unacceptable and I believe due to my age they thought I wouldnt catch it.
Product: Money transfer, virtual currency, or money service

PayPal let hackers steal my money. I had an issue transferring money to my bank account. I had just gotten laid off with no unemployment comp. In the pandemic with XXXX kids. Someone sent me XXXX dollars via PayPal couldn't get it to transfer, so I then tried to contact pay pal. Could only find email. Very upset needing someone to talk to at PayPal. I searched PayPal phone support.. and up came a phone number. I proceeded to call. The guy asked me to download an app called any desk. He then took the money from my PayPal account and bought a gift card to XXXX play for XXXX dollar. Him knowing there policy that nothing would be done about it AT ALL. At the time I sent PayPal the phone number the guys XXXX XXXX  info screenshog of date and time called. Proof the system denied my transfer 3 times. Nothing done
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the 3 credit bureaus are making it incredibly difficult ( on purpose ) to file disputes, and follow up on disputes online and on the phone. The XXXX portal is reporting an error when I try to file a dispute. I attempted this on 2 different browsers, 2 different computers, and on consecutive days. The XXXX site is not allowing me to download the PDF with the results to my dispute. XXXX is not allowing me to comment on my Dispute and add subsequent documents justifying my claim.
Product: Debt collection

The CBE group is a debt collector for charter communications, and is using intimidation, harassment, and bullying to force a payment on an account that is too old. Specifically, what they do is to remove and repost a collection on my credit report in an attempt to usurp the fact that the impact of a nominal collection amount decreases as time passes. By doing this my credit score gets impacted multiple times, for the same thing. As soon as the score climbs back up they, remove and repost the same thing to rest the clock. So in essence harassing a person in perpetuity.
Product: Credit card or prepaid card

I filed a dispute with PNC Bank on XX/XX/2022 for 3 ATM transactions that did not properly dispense. The ATM failed to dispense any amounts on 3 separate occasions but still charged my card the full amount. The ATM displayed an error message to " contact your financial institution. '' I ultimately filed the dispute with PNC and they requested additional information by sending a letter to my home address on XX/XX/2022 which I have not received. I typed up my own explanation of the events that happened since I had not received the letter and faxed this information back on XX/XX/2022. I followed up for several days and was told on XX/XX/2022 that PNC had not received my fax. I have confirmation that the fax was accepted by " XXXX '' at the fax number XXXX. They still maintained the fact that the fax had not been received on their end. I have refaxed the information over a total of 4 times on XX/XX/2022. I recalled their customer service line and was finally told they received the fax. The letter that was sent out on XX/XX/2022 stated that I had until XX/XX/2022 to provide the requested information, which has been done timely. As a former XXXX XXXX, I am aware of every federal banking regulation there is ... and these transactions are governed by Reg E, which carries very strict guidelines that financial institutions need to adhere to. Under Reg E, when a dispute is filed, a financial institution has 10 business days to investigate the error ( s ) in question. If they are not able to complete the investigation in the 10 business day timeline, a provisional credit is SUPPOSED to be provided during that time and the financial institution has up to 45 days to finish their investigation. PNC has violated this regulation intentionally, even after being told they were in violation. They have insisted that I wait. I have done my part and now they need to adhere to Reg E. The Dispute claim was for {$500.00}, {$500.00} and {$340.00} ATM withdrawals that failed to dispense for a total amount of {$1300.00} that they have failed to render.
Product: Consumer Loan

This is an agency calling for a Medical emergency debt They have my cell phone and been calling my work number everyday harassing me .When I comforted them they were rude and hanged up on me.
Product: Credit reporting or other personal consumer reports

My credit report states that one of the factors hurting my score is credit age which makes up a portion of your score The agencies are reporting my credit age as 5 years and I have adverse judgements opened on my report since XXXX  which would make my credit age XXXX and drastically change my score this is hurting me