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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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

XXXX XXXX account # XXXX. High credit reported as a loss by credit grantor. XXXX is {$0.00}. Must abide by 15 usc 1681i I have no knowledge of this account, if this was charged off it can not still be reporting. Oridanry income can't be on a credit report. you must remove or submit a 1099C because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
Product: Consumer Loan

The interest rate on my loan is at 29 %! 
Outrageous. I will never pay this off
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. 

Account : ALLY FINANCIAL
Product: Checking or savings account

On XX/XX/year> I requested a domestic wire transfer from my own account at Digital Federal Credit Union to another account of mine located domestically within the US at my brokerage XXXX. They indicated they received the wire transfer and would be in contact with me for any additional information on XX/XX/XXXX via email. Later in the day on XX/XX/XXXX ( after the cutoff period ), they emailed me asking for more information. Once this information was requested, the information was promptly provided that was requested including a copy of my passport, and other identifying information. On XX/XX/XXXX I called before XXXX EST which is their cutoff period for completing the wire transfer on that day, and they indicated they received all required documentation via the phone call and their would be no reason why the wire wouldn't be completed that day. Another day later on the XXXX the wire transfer was still not completed, and they asked for a piece of paper signed with my address. Which I again provided as soon as possible. The Transfer was not completed on the following Monday on the XXXX and was only completed after I called again on the XXXX to question why and if I need to show up in person for cash. 

Finally on the XXXX after XXXX ( cutoff ) they indicated the wire was sent. It was not actually recieved by my Brokerage until the XXXX. XXXX Full days have passed for the requested domestic wire transfer. Due to EFAA regulations, bank-to-bank wire transfers between accounts in the US must be completed within 24 hours.

I emailed them the same question multiple times and never was given a proper answer. In addition, I requested the recordings for the phone calls multiple times via email and never received. I requested restitution due to the lengthy delay with the wire transfer multiple times via email as the delay caused significant financial damage and impacted my ability to move forward with a property purchase in XXXX. The restitution is due to the volatility in exchanging USD to XXXX and the significant drop in value for the exchange due to delay. 

In addition, on multiple occasions via phone and emails I requested my accounts be closed on XX/XX/year>. As of XXXX I have had to call again and they refuse to close the accounts without again requesting the same information that I have already given them via wire transfer. Due to the accounts not being closed they continued to send bill payments and accept transactions that were not authorized. 

XXXX is refusing to make me 'whole ' due to the significant damages that I have incurred for their failure to complete a wire transfer within a timely manner and failure to close all accounts and continue to allow further transactions on accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative debt or personal credit un-necessarily reporting late or insufficient negative or late debt data, No un-necessary legal reports have been alleged to have occurred to collect any late or negligent payments. 
Only one auto loan that is two months in posted ahead of payments scheduling.
Product: Credit reporting or other personal consumer reports

All derogatory remarks, hard inquiries, late payments and, unverified items listed in the invoice herewith remain on my credit report in violation of Federal Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. You are required under Federal Law and the FCRA to have the written consent and a copy of the original creditors documentation on file to verify that this information is mine and is correct. If anyone verified information on my credit report without my oral or written consent has violated my rights and has committed fraud. under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. By XXXX : XXXX the Original Creditor and consumer according to 15 U.S. Code 1692a Definitions The term consumer means any natural person obligated or allegedly obligated to pay any debt. ( XXXX ) The term creditor means any person who offers or extends credit creating a debt. 

Damages 15 U.S. Code 1681n - Civil liability for willful noncompliance The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I started a mortgage refinance with my current mortgage company - Freedom Mortgage in XX/XX/XXXX. I was told on several occasions that a credit inquiry was not required due to being a current customer. I never authorized a credit inquiry. On XX/XX/XXXX Freedom Mortgage pulled my credit report. I reached out to my loan advisor to find out why this was done XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. I received 1 response stating that he would escalate my complaint and get back to me and I've not received a response as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following personal information is incorrect. 
Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not open these accounts that are in collections, and bureaus are refusing to remove false information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to TRANSUNION. In my credit report dated XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions and my FTC report with the number XXXX.
Product: Checking or savings account

I received an cashier 's check from Capital one on are around the year of XXXX and had a very difficult time trying to cash it so I uploaded the check to my capital one mobile account with all correct documents and I reached out to them stating that my funds were never processed and they connected me to someone that stated that my account was no longer available due to the fact that I was being a victim of fraudulent
Product: Credit reporting or other personal consumer reports

I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.
Product: Mortgage

I was seller of home and XXXX XXXX # XXXX who was employed by Nations Lending at the time XXXX XX/XX/19 XXXX was lender for buyer. Pre-approval letter was basically blank as to details and offer had red flags all over it. Being a FSBO and I am also a SVP of mortgage lending I emailed XXXX about concerns and he replied that buyers were more than qualified. Two to three weeks into deal I had not heard from appraiser so contact XXXX again. This time stated was trying to get approval from underwriting after telling me originally he had all docs and good loan. Normally, good deals do not require appraisal order being held up for 2-3 weeks which was 2nd sign deal was bad. Was assured several times after by Realtor or XXXX everything good. Several days prior to closing date I reached out as no closing set nor settlement numbers. Told then an issue as buyer 's took out new loan but all good still. Granted 2 week extension. Exact same thing happened on 2nd missed closing date. Unbeknownst to XXXX buyer knew my wife and applied to me for loan after 1st missed closing date. Told me XXXX kept telling them conflicting statements and had changed terms to junk loan terms. Credit score XXXX, previous bankruptcy/foreclosure, debt ratios 47.2 %, 141 % housing payment shock and little to no assets, opened new unsecured loan prior to signing contract in amount of {$9100.00} for down payment. This is loan XXXX claimed opened just prior to close and reason for delay but " everything good '' and just had to run back thru underwriting. Told me on call discussing issues that he was " grooming them '' meaning he knew loan was never closing but somehow dreamed he could make loan good in 60 days. Told him been in business 30+ years and if grooming one waits till borrowers are good prior to saying they are XXXX  when 100 % certain loan was never going to close. Buyers attorney and previous Broker/Owner of last <2 month employer said XXXX overpromises and underdelivers and had missed 6 closings in last 30+ days. One closing had 6 home domino effect dependent on his one closing so all deals fell apart. He should not be licensed at all and I can supply 2-3 real estate attorney 's, previous broker and title companies to attest to that. Still considering suing XXXX and his employer for outright fraud. Loss compared to eventual sale over {$37000.00}.
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Product: Debt collection

Date of ambulance service with XXXX XXXX XXXX : XX/XX/21 Date of first and only bill from XXXX XXXX XXXX XX/XX/21 Insurance submitted XX/XX/21 via USPS from original bill No correspondence from XXXX XXXX XXXX or insurance Received telephone call XX/XX/21 from Wakefield and Associates notifying of debt ; asked representative XXXX to mail notification of debt to home address Received debt notification from Wakefield and Associates XX/XX/21 Interest already accrued as of the date of the letter, no information on how often interest accrues No notification from XXXX XXXX XXXX or Wakefield and Associates on how to dispute debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone attempted to open an XXXXXXXX XXXX XXXX  with my informal including SS number, dob, and prior address. It was declined but made my credit report.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX called my brother in XXXX, my sister in law in XXXX and my mother in law in XXXX XXXX. Stated that they are collections company and trying to collect a debt to my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

Reliacard/US Bank is not allowing me to withdraw funds that I need while out of state. I have attempted to speak with them multiple times by phone to resolve this. I was told they have placed a " travel exemption '' on my account. However, they still will not allow me to withdraw funds greater than {$240.00} per transaction, causing me to incur excessive out of network atm withdrawal fees. 

CFPB is also not allowing me to view the company 's response ( pdf attachments ) - so here 's more work for you XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} My information may have been impacted by the XXXX Data Breach and XXXX data breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I am the Commisioner of XXXX Ohio I have paid every loan and credit card I ever had without missing a payment I do not recognize these cards Nor do I recognize these inquiries on my account I decide to check my credit as I received info about a data breach realizing there were these collections I never saw also I see the collections are very old pass Ohios date of deletion so why are they on my credit
Product: Debt collection

Debt collector, MEDICAL DATA SYSTEMS, has violated my right to privacy and is also in violation of FDCPA 1006.30a and its rule by parking an unverified, alleged debt on my credit report ( s ) without taking the required actions. I have no prior knowledge of this unverified debt that the debt collector claims that I owes it, nor was I granted an opportunity for an initial dispute of this unverified, alleged debt. My consumer character has been defamed, and I have been subjected to higher interest rates. Please see the attachments.
Product: Credit card or prepaid card

To Whomever This May Concern : My name is XXXX XXXX. I have an account with Discover. I have had this account since XX/XX/2019. I just spoke with a XXXX and she gave me the run around on why I haven't gotten a credit limit increase, why my credit wasn't pulled when I requested in increase and the list goes on. I am not buying it. I am starting to feel that it is a discriminatory practice at this point. My score has sky rocketed. I pay the balance off completely each month. The utilization on my other cards are down under 30 % but yet by Increase continues to be denied. I have a XXXX XXXX XXXX that I received in XXXX. They raised my limit from XXXX to XXXX in XXXX. I have an XXXX card that started me off with a XXXX limit and it has since doubled. I also just got a XXXX card with XXXX and they quadrupled my limit. At this point I am like what is the problem. I have gotten to the point where I rarely use the card anymore because it isn't benefiting me at all. So, I would like someone to look at this issue and I would like for my credit to be pulled to see if I qualify for the limit increase. I look forward to hearing from someone soon.
Product: Debt collection

I lived at the address XXXX XXXX XXXX XXXX, Florida XXXX with my parents from XX/XX/XXXX until XXXX of XXXX. I was in high school from XX/XX/XXXX until XXXX XXXXf XXXX, During the time that they claimed I was living in XXXX XXXX. When I graduated high school I moved into my very own and first apartment in XXXX of XXXX at the address XXXX XXXX XXXX, XXXX, Fl XXXX. I have a lease agreement and a copy of my light bill for proof of residence at this address. I also have a copy of my high school diploma from XXXX XXXX XXXX. I never lived at the address XXXX XXXX XXXX, XXXX XXXX Florida. Please do a proper investigation and remove this inaccurate and fraudulent collection from my credit report effective immediately. 
There are also bank statements as proof that I never made any rental payments to this address, except to my Landlord XXXX XXXX at the address XXXX XXXX XXXX, XXXX, Fl XXXX. Please match the documents and do a thorough investigation. Provided below is also a police report.
Product: Checking or savings account

An unauthorized person used my debit card number to deposit money in my checking and savings card accounts and then withdraw far more than they deposited. They also purchased gift cards and forged checks. The forged checks spelled my name wrong. 
All of this happened XX/XX/year>. 
I have been arguing with the bank every XXXX to XXXX business days since then. 
They accuse me of using my debit card myself or letting someone else use it. This is absolutely false