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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}
Product: Bank account or service

i had a laptop for sale on XXXX, this dude sends me a email regards to the laptop. He tells me that hes out of town and needs is as soon as possible. He tells me hey ill send u a check and cash it ill send u some extra cash so you can send it to me and pay the cost to have it here the next day. i was like okay? thinking i never have done anything like this so i go to my bank deposit the check a couple of days later my account was closed and ever since ive been tring to get this fix as soon as possible and i have no leads on anything.
Product: Credit reporting or other personal consumer reports

I don't want to have these accounts in my report, they are not mine, they are affecting me a lot. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello there my name is XXXX XXXX. I spoke with an agent over the phone and they provided this email to correct information which was appearing in my credit report. I used to have a mortgage with Flagstar but it is currently inactive and paid off. 

The address I don't recognize and not sure why it's on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I would like to remove this address as I've never been associated or lived at that address. My address for mortgage was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 

My date of birth is XX/XX/1988. Current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please correct this, I tried to email the email customer service agent provided : XXXX. But it does not exist. I appreciate the help, thank you.
Product: Checking or savings account

On XX/XX/2021 my Chase Bank XXXX Account was used in an act of fraud whereby XXXX unauthorized transactions took place on my account, debiting {$1800.00} from my checking account. These transactions all took place at a XXXX XXXX in XXXX, which is approximately XXXX miles from my home. When I called XXXX, they initially helped and told me I was not responsible. We cancelled my debit card and within a few days the money was returned. Shortly after, they sent me a notice ( via message in my online banking profile ) stating that they reviewed my claim and determined the transactions were authorized and then they debited the money back out of my account. When I called them to ask why, they said that the transactions could have only happened if the person had my pin #. Because of that, they said it was authorized. I again told them that I NEVER authorized anyone to use my debit card, that my Debit Card was in XXXX with me ( at home ) and that those were not my charges. They refused to talk to me any further and denied the claim. I asked them why the Chase XXXX Dept. didn't pick up and give me an alert for XXXX transactions being done on my card within a few minutes over XXXX miles from my house. Isn't their fraud protection supposed to help their clients get alerted to such things? They again, said it was an authorized transaction and not considered fraud to them. However, if I use my debit card a mile from my house at a gas station, they send me a text asking if it's me. But they did not even pick up on XXXX transactions within a matter of minutes at a convenient store in the amount of {$1800.00}. To me, Chase was deficient in their responsibility to protect their customer. I did not authorize any transactions, I did not make these transactions and they failed to protect me. Further, it is my understanding that they are to provide me with information on how to appeal that process. They did not. They just sent me a denial with no clear reason on why it was denied ( other than saying it was an authorized transaction ) and no information on appealing the decision. I have spoken to several XXXX and they all continued to deny the claim. One person even accused me of trying to fraudulently make a claim. I just want my money back. Again, these transactions took place at a XXXX in XXXX, while I was at home in XXXX ( with my debit card in my purse ). Chase Bank/JP Morgan Chase did not protect me in accordance with the expectations presented to me when I chose to bank with them. Further, when whomever was committing this crime was trying to set up a digital wallet using my account, I got a text from Chase Bank with an activation code. I replied to the text that is wasn't me and that I did not add my card to a digital wallet. Chase did nothing! Whoever did this was able to set up a digital wallet using my account without Chase catching them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received a text message from Wells Fargo informing that someone was trying to access my account in the amount of {$3500.00} at XXXX XXXX and whether I recognized this transaction and I replied " NO ''. I immediately received a phone call from XXXX XXXX ( XXXX ) XXXX who explained that the protocol to block this transaction was to send money thru XXXX. She attempted to have all XXXX sent at XXXX time and was unsuccessful. She then got her boss on the phone XXXX XXXX ( XXXX ) who then instructed me to perform XXXX transactions. XXXX for XXXX and another for XXXX which was completed confirmation XXXX and XXXX. I then received a text that stated that the XXXX transfers were cancelled. I received a phone call on XX/XX/XXXX from XXXX XXXX ( employee # XXXX ) stating that I shouldn't use mobile app for XXXX days. On XX/XX/XXXX XXXX XXXX ( Fraud Manager ) attempted to have XXXX wired to him however Wells Fargo was able to put a stop on this transaction. I immediately informed Wells Fargo of the above fraud. I was informed they were unable to refund me for the funds sent thru XXXX because they were not insured. They stated that they were responsible for the app " working '' properly and they closed my claim.
Product: Credit reporting or other personal consumer reports

REMOVE / DELETE all XXXX / XXXX XXXX ( XX/XX/XXXX / XX/XX/year> ) XXXX XXXX US BANK ( XX/XX/year> ) Remove all of the LISTED INQUIRIES below. 

REMOVE NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX THIS ADDRESS IN PARTICULAR WAS NEVER AUTHORIZED/ NO AFFILIATION / NEVER USED OR SUBMITTED BY ME Remove non mailable address XXXX XXXX XXXX XXXX, GA XXXX XXXX MAILABLE ADDRESS are not permitted. 

I DID NOT AUTHORIZE OR CONSENT. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act 15 USC 1681 Sextion 602 states There is a need to insure that consumer reporting agencies utilize their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and XXXX XXXX the Consumer. I have the right to make sure my private information isn't shared which is stated in 15 USC 6801 claiming " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I XXXX XXXX am opting out of your reporting services. ''
Product: Debt collection

XXXX XXXX XXXX is mis-representing the age of a date and are trying to Illegally re-age a debt by incorrectly reflecting the date of the original debt. A dispute was done with XXXX, XXXX and XXXX. XXXX saw the dispute as accurate and removed it from my report. XXXX XXXX XXXX is stating that the debt was opened in XXXX XXXX 2016 and the debt is older then that. Due to their shady and illegal business practices, I feel this claim of debt by them is unsubstantiated, unfair and is inaccurately reported. I am supported by the fact that XXXX agreed and removed the collection from my report. Furthermore, XXXX XXXX XXXX XXXX has made several harassing and inappropriate calls at all times of the day and night and all days of the week, outside of what is legally acceptable. XXXX XXXX XXXX has not provided proof of the original debt from the original creditor.
Product: Mortgage

1. in XXXX I applied for a forbearance during XXXX 2. Made 2 payments of {$1200.00} in XXXX to end forbearance was told not to make any more payments by Shell Point 3. called later in XXXX to make a payment and was told not to make a payment 4. found out by mail that I was going int0 foreclosure 5. contacted a lawyer and he took my case 6. agreed on a loan modification in XXXX 7. XX/XX/XXXX started a trial period of 3 months to ensure I could keep my house 8. XXXX finally found out where to make the payments through our lawyer 9. called Shell point and made 2 payments of {$1200.00} ( would not accept full amount of XXXX ) 10. attorney received email saying I was 2 months behind on payments and then received a letter stating the same thing the email said 11. called shell point to find out what the issue was with the payments ( XX/XX/XXXX ) Shell point admitted to making the mistake of transferring money from XXXX 's payment to the principle without my knowledge. I talked to XXXX XXXX ( sounded fake ) would not give me a their number or email and said I will call you back Saturday when the money was returned. 

I am trying to make the 3 payments in a timely manner, but I can not due to the poor mishandling of my account by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been attempting to access my report online at Transunion website and it tells me its unable to complete my request online. I should be able to get my report online.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ) .Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations E. These actions caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

they took money from XXXX differnt bank accountThen they called the bank again without my authorization and tookmore money after the Settlement amount was satisfied. 

They are dishonest, rude, and been harassing me on the phone for weeks
Product: Debt collection

Obtain loan from XXXX XXXX in XXXX. Loan was not paid off. XXXX XXXX XXXX XXXX aquired loan written off by Balance. I made several payments to XXXX XXXX XXXX XXXX but then they told me different stories on what would be acceptable to repay. Landmark Strategy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX acquired written off debt from XXXX XXXX XXXX XXXX. I received a phone call on XX/XX/XXXX from a representative at XXXX XXXX XXXX. They were seeking the full balance of over {$4000.00} I owed XXXX that has been written off by XXXX I informed the representative I would pay XXXX the amount they paid when the bought the debt plus 10 percent for a profit. They would not accept that. I then asked the representative if I paid the full balance, who would receive that money. The representative told me XXXX would receive the funds. That is an absolute and total lie. Its deceptive and not allowed under Federal Law. They have now are susceptible to being fined for providing false and misleading information. If the Federal Trade Commission has jurisdiction over this matter then it should be turned over to them for corrective action.
Product: Mortgage

My previous complaint XXXX has not been resolved. 
I have also received further information from the previous mortgage lender that they have proof that phh mortgage company has received my first mortgage check from XXXX XXXX XXXX  and that they have withdrawn half of the money from that payment. 
The lender also informed me that this is definitely not the first time they have had problems with phh mortgage lying about not receiving money. 
Phh mortgage should not be able to operate with their predatory actions, and buggy online presence. Please investigate this company. Even if my issue gets resolved no one else should have to get stuck with this company.
Product: Debt collection

First Point Collection has placed a {$130.00} collection on my credit bureau report with XXXX, XXXX and XXXX on XX/XX/XXXX. I have never received any verification or information on the alleged {$130.00} debt for utilities. The credit report list that the collection was opened on XX/XX/XXXX and is subject to my XXXX  XXXX Order of Discharge which is fully incorporated herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED

MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO ST
ATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

Arvest is the present mortgage company prior that was XXXX. When began forbearance XXXX in XXXX promised to waive accumlated ate charges if I got caught up with payments which I did.. But then they regnigted and suddenly sold the loan around XXXX giving me a two dsy notice. Similarly having same problems with new mortgage company. The noted late charges accumulated {$1800.00} XXXX promise to forgive / wave back in XXXX in keeping with forebearance if I get caught up in monthly payments which I did. Both XXXX and now Arvest leave been giving me the run around ever since.
Product: Vehicle loan or lease

Starting XX/XX/2014 I accepted and signed a loan contract to purchase a new XXXX XXXX XX/XX/2014 from a local dealership with Fifth Third Bank. I had 60 days until the first payment was due. The loan states I owed 73 payments of {$480.00} monthly. The Bank later then sent a new payment arrangement with new and lower payments of $ XXXX/month we qualified for due to our ( co-signer ) credit score, however the extended more than 73 payments, This did not make sense to me. I still decided to follow and pay the first payments amount of {$480.00}, Bank sent a letter informing me that they charged extra fees for late payments and that they were charging me for insurance, when I already had my own insurance. I kept sending my monthly payments with money orders. Bank was persistent in charging insurance fees and late fees even when I contacted and showed proof of the vehicle being insured and asked why are my payments being received late when I sent payments weeks before due date. Bank would make multiple calls through out the day asking to bring my account current, so In good faith I sent {$620.00} on top of my monthly payment. Thinking that would resolve the issue. According to the bank payments were still being received late so late fees kept piling up which at this point I was just exhausted and hopeless, regardless I still stuck with sending Same amount monthly and ignoring their constant persistent calling and threats of repossession or delinquent account even though Im still paying? I received a notification last year that the Bank insured the body of car, I always had full coverage insurance on my car so why would the Bank on there own decision even insure the car? At this point I know the Bank just uses unfair business tactics against thier costumers for their greedy purposes. I researched reviews and noticed similar not far fetched experiences that I am going through as well. Finally one more last thing the Bank repossessed the car since my account has never been current, I contacted the Bank to see what solutions we can find to either just let the car go or bring my account current I was not paying one single dime more that I was certain of. The reps found out that all my payments were being received and could not explain to me why it was repossessed that shows how unorganized the company is. Long story short the bank returned the car back and stated that the account is actually current. I did not have to pay all the extra fees and past due amount they were charging all along. Its been almost a year since then. I continue to make payments but here again late fees and past due amounts come to hunt me again ... Im tired I want justice.
Product: Debt collection

I called Jefferson Capital to get this taken care. This was the number I called. ( XXXX ) When I called and gave them the last 4 digits of my SS. They tried twice. They said they cant speak to me because social is not correct. I tried to explain that this bill doesnt come up on my credit report. It comes up {$0.00}. They refused to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Product: Debt collection

I have no knowlegde of this debt and it is shown each of my credit reports.
Product: Debt collection

On XX/XX/2022, I submitted a CFBP complaint about World Finance Corporation reporting inaccurate information on my consumer report. I, the consumer demanding World finance to removed this account they are reporting to my consumer report. They did not removed. On XX/XX/2022, World Finance sent a loan application, terms, and condition of the loan, a financial transaction history of the account, and a copy of the bill of sale agreement between. Worl Finance used to call me almost every day and after I sent them the debt verification, the phone calls stop but that does not mean that stop the stress, the mental breakdown, the humiliations, the embarrassment they had cause me.

This inaccurate collection NOT MINE. I never provided any written consent or premissible purpose for this allege creditor to report on my credit report. I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted. 

I attach a copy of the identity theft report.
Product: Credit card or prepaid card

Bank of America recently notified me of a breech of security at some unnamed merchant and they were issueing a new credit card and cancelling the old one.

This is a recurring problem with BOA.

When I called to find out which merchant i was refused the information.

I had to change pay accounts for 12 companies I had on auto pay and this was not the first time. 
Why are the consumers affected not entitled to know which company mishandled their information or had poor security?