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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$650.00} XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft, and i have called experian muliplie times in regards to my rights as a consumer has been violated, that being said there are 2 bankruptcys reporting on my credit report that do not belong to me whats so ever, so i took the the time to contact the bankruptcy court and ask them how are they reporting the bankruptcy on my credit report, they have advised me that they do not report to any of the credit reporting agencies whats so ever. so i contacted experian and asked them how are they verifying the accuracy of the bankruptcy, they have advised me that they are getting the information from a 3rd party company called XXXX XXXX  which is not the orignial furnisher!. i have asked experian to please remove the 2 bankruptcy 's from my credit report and they are refusing to removing the fruadulant accounts even with supporting documents that i currenly provided to them!. and also they are refusing to remove the fruadulant inquires and address i listed on the ftc report.
Product: Prepaid card

On XXXX XXXX I called Paypal to see if they could assist me in getting my money back on an order I hadn't received yet. While I was waiting for customer service to connect, a computer generated voice came on the line and said there was limited access to my account. When the customer service rep connected, I asked her about the limited access. She informed me that I have a bill in collections for approximately. {$490.00}. She said she didn't know what is was for because it supposedly occurred in XXXX. She said it was on a different paypal account associated with my social security number. But yet I have had my only paypal account for many years and I have used it to make many purchases over the years. I asked her why was I not notified of this collection and why would they let me continue to make purchase, add and withdrawl money to and from my account. Also I have a paypal credit account which is not affected. Paypal is essentially a group of credit cards from other merchants owned by the user and when you make a purchase using paypal it deducts the money from the card you choose in your list of registered cards or you can add money to your paypal debit card. So I don't see how this could happen, because I don't use their debit card until I add funds to it. How could they let this go for 12 years and not inform me of it.They have all my contact information. My phone number, address and email address. 
The represenative asked me if I wanted her to initiate a fraud investigation and I said absolutely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX NA - Date of Inquiry XX/XX/2021 XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, via online chat, I asked a representative named XXXX to deactivate my account because my account was placed on a hold as they were requesting further information regarding my XXXX XXXX XXXX XXXX  Apparently, the reviewer of this information was not satisfied with my answers and needed more information entered. For example, they denied a photo of my Missouri XXXX XXXX state identification card. XXXX stated in the online chat that the company could not deactivate my account because it was still on hold. I no longer wish to use this company, nor provide further information and simply want to completely deactivate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXXXXXX XXXX XXXX  XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent.
Product: Debt collection

Looked at my credit report today XXXX-2018 noticed a collection from I C System appeared, it states a debt from XXXX XXXX XXXX XXXX XXXX XXXX I spoke to someone previously about a week in a half ago because the letter was dated XXXX-2018 and it was delivered upon the time I called a week in a half ago, I told the rep the problem that apparently the company is sending mail to the address where the account was created and the mail was forwarded to the address I currently live, I stated I have no knowledge of the situation the representative stated the company would look into the situation further and put it in dispute status and validation would be sent, it was never stated upon the company after the conversation that within a week look for it to appear on your credit reports I called today spoke to Employee # XXXX name XXXX XXXX not sure if this is accurate but this is what he stated his name was and absolutely no help he pretty much was blunt about me paying and no validation was needed, not sure if this is the practice but it was absolutely not right to feel this way for something I have no knowledge about. All I ask the company is to remove the information from all my credit reports until the investigation is done.
Product: Debt collection

They continue to call XXXX to XXXX times a week about a debt I do n't owe for a company that no longer exists. Then they threaten to take me to courtand get nasty on the phone. I told them to take me to court and quite calling but they continue to call, over and over.
Product: Student loan

On XX/XX/XXXX I made a payment of {$2000.00} towards my federal student loans. 

On XX/XX/XXXX I called my loan provider, EdFinancial Services, and requested a refund for the {$2000.00} paid on XX/XX/XXXX. EdFinancial said they put in a request for the refund. I did not receive any confirmation via email or mail. 

On XX/XX/XXXX I called EdFinancial and asked about the request for the refund as it has not showed up in my account yet, and the representative said that it was still processing. I asked how long the processing will take and received no answer. I again received no confirmation that any conversation with EdFinancial even took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Disputed Discover incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX/XXXX  XXXX. There is no way it could have been any later than this, because I was XXXX  XX/XX/XXXX-XX/XX/XXXXOn or about XXXX- responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XX/XX/XXXX- Contacted Discover to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XXXX- Discover Last date of activity XX/XX/XXXX. 

Therefore, both Discover and Credit bureaus are in violation of Fair Credit Reporting. Act.
Product: Vehicle loan or lease

2003 I signed a loan agreement with credit acceptance. I was at the end of my payments. When I fell into financial trouble. I was a week late paying the car note. The car was reprocessed while I was at work. Credit acceptance told me I had roughly XXXX dollars left to pay the car off. But I couldn't afford to pay it in the time allocated. The XXXX was sold at an auction. I was left paying the remaining balance without a vehicle.
Product: Debt collection

This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.
Product: Debt collection

Hi, I been reaching out for a debt collection company for over a year inquiring on the remaining balance, most of XXXX, and the company did not respond back because I was indicating that based on my records the debt was supposed to completed and paid in full. Now someone from the company a year later is threatening to sue based on their lapse of their company not following up with my inquiries about my debt being satisfied is now saying they are going to sue me cause my debt was collecting interest. When in addition to, they refused to update on my account balance when inquired as well. And the first time someone follows up with me over a year later was today XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX 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 account without my written instruction.
Product: Vehicle loan or lease

I tried to log into my account to submit payment but your website won't let me. It says there are technical difficulties before even getting to a login page. When I call the customer service center, I get extremely rude people who refuse to transfer me to a supervisor, instead, they just hang up. Now im being subjected to negative credit reporting for this issue which I can't control.
Product: Credit reporting or other personal consumer reports

Months ago I discovered that I have been a victim of XXXX XXXX  again. I currently have and had in past fraud alerts on my credit but yet it is still being compromised. I have created police report, ftc report, affadavit letters along with all supporting documents. I sent documents to credit bureaus and issuers of the credit accounts that were fraudulently opened on my behalf. I reach out to here as the companies and credit bureaus do not want to abide by the fair credit act and remove these fraudulent items from my credit report as it is hindering my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX. 
Since XX/XX/XXXX the problem continues with XXXX XXXX  XXXX XXXX XXXX ( from Wells Fargo Bank ) that I paid in full does not appear on any of my credit reports with XXXX, XXXX, or XXXX for 5 years. Please read attached letter.
Product: Credit card or prepaid card

My  XXXX  2017 payment was due on   XXXX   XXXX   2017.   XXXX   XXXX   XXXX   is a Sunday. I mailed my payment from  XXXX  on   XXXX   XXXX   a Tuesday to   XXXX   XXXX   Mo. I understand the mail is erratic but it seems that 4 days should be sufficient US Bank says they received the payment on   XXXX   XXXX   2017 a Monday. I called customer service to remove the late charge of {$27.00} saying the due date was a Sunday and to please offer a courtesy considering it was received on Monday   XXXX   XXXX  . I was refused. I asked to speak to a supervisor but no one called me back. I feel US Bank is just trying to collect fees and that the  XXXX  is ex orbitant
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX  Account # XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Company Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account XXXX XXXX ; XXXX XXXXXXXX XXXX Account # XXXX ; has XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States that 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.
Product: Debt collection

They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?
Product: Checking or savings account

On XX/XX/XXXX. 2022 my check # XXXX of {$4700.00} was withdrawn from our business account from XXXX XXXX XXXX  XXXX XXXX. On XXXX XXXX the same amount with the same check # XXXX of {$4700.00} was withdrawn again. I called right away the Truist Bank to find out why they took twice the same amount with the same check # XXXX. Instead to fix the problem the bank wants me to file a Fraud Claim which I denied. After I spoke to XXXX from the Fraud Department, I called the XXXX XXXX XXXX XXXX XXXX. They told me that the company have a new electronic system to deposit their checks. I told them that's ok, but I need my money the {$4700.00} right away. On XX/XX/XXXX. 2022 I called XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and they told me there check from XXXX XXXX XXXX cleared on XX/XX/XXXX. 2022 so I called again Truist Bank and spoke to XXXX. She said the {$4700.00} arrived and she will take care of it. Nothing happened so I called on XX/XX/XXXX. 2022 again Truist Bank and spoke first to XXXX. She had no information about my issue so I ask for the XXXX and XXXX ( from XXXX ) told me also she will take care of this problem. On the XXXX of this month my wife and I spoke to the branch leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she told us also she will take care of it. A day later she called me and insist that I have to come into the Bank and sign a Fraud claim. I told her there is no fraud, but she still insisted that would be the only way to get my money, so I signed and, on the way out she said it can take a month until I see my money.
Product: Debt collection

On or about XX/XX/2021, I made a purchase at the Home Depot store in XXXX XXXX, Michigan, during the purchase the Cashier inquired as to whether I would like to open a new HD card and save a percentage of the bill. I agreed even though I've had a HD card for years Last four numbers ( XXXX ). Subsequently, I paid the remaining balance of {$21.00}. HD states the payment was misapplied to the old account wherein, according to HD the new account ending in ( XXXX ) should have received the payment of {$21.00}. 
Per the documents attached you'll find that once HD realized the mistake, they moved the {$21.00} payment to the New Account and proceeded to charge me Late Fees that now amount to {$140.00}. I've spoken with at least 4 different at HD whose Financial Credit Services are managed by Citi Bank to no avail. I owe HD nothing, my payment was made early, however, HD " misapplied '' the payment and charge costumers late fees?
Product: Checking or savings account

My savings account and two checking accounts were hacked and I have three fraud claims with the Bank of America. First savings account claim # XXXX. My original checking account that I had for 35 years claim # XXXX. Then I was given new checking account which was then hacked and I filed a third fraud claim # XXXX. The claims were denied and the said I gave someone my password/or ID. I did not give any one this info. I did not have access to any funds for 3 weeks because all accounts were closed including credit cards that requested them to replace. My home was broken in in XX/XX/XXXX and my phone and I were hacked. They have no right to this money as I did not do anything to compromise my accounts. Finally my late husband worked for the bank and I get a widows benefit pension check every month. I am such a good customer status that all the checks and/XX/XX/XXXX ones were paid and that is the money they denied me. I am a widow with limited monthly income.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccuracy Reporting of XXXX XXXX XXXX Account - Second Notice I am writing to address the ongoing inaccuracy in the reporting of the XXXX XXXX XXXX account on my credit report. Despite my previous attempts to rectify this matter, the account continues to be reported inaccurately. 

In response to my initial dispute, XXXX XXXX XXXX asserted that the account is reporting accurately. However, their response fails to address multiple violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802.

Firstly, according to 15 USC 6802, a financial institution must provide consumers with a notice before disclosing nonpublic personal information to a nonaffiliated third party. Additionally, the consumer must be given the opportunity to opt out of such disclosures, along with an explanation of how to exercise that option. XXXX XXXX XXXX has failed to demonstrate compliance with these requirements. 

Furthermore, XXXX XXXX XXXX has not provided evidence of how they verified the accuracy of the account, nor have they presented the required XXXX disclosure forms with my wet ink signature. As per FCRA regulations, failure to comply with these provisions warrants immediate removal of the disputed account from my credit report. 

Additionally, the account is erroneously reported as a charge-off. According to IRS Publication 4681, once an account has been charged off, it is no longer considered debt but rather gross income. Income should not be reported on a consumers credit report. Therefore, the reporting of this account as a charge-off is not only inaccurate but also misleading. 

I urge you to take swift action to investigate and rectify these violations of the FCRA. It is imperative that accurate and compliant reporting practices are upheld to ensure the integrity of consumers credit reports. I expect a prompt resolution to this matter and the immediate removal of the inaccurately reported XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter.
Product: Debt collection

Creditor agreed to remove my collection once paid. Attached is an email from collection agency that I am no longer liable. I have disputed several times with the credit reporting agency and the account still has not been removes.
Product: Credit card

I was the victim of credit card information theft. Someone opened an unauthorized XXXX XXXX with my credit card information and booked a hotel room in Florida through a travel website. I filled a dispute with Citi group. They denied the dispute and said they were legitimate charges even thought the name, location etc on the booking is clearly different Than me. I attempted to file an appeal with Citi group through their fraud prevention department. They repeatedly disconnected the call and hung up on me when I attempted to file the appeal.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to Transunion, XXXX and XXXX. 

XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX