23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. XXXX is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which XXXX failed to do this. XXXX is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for XXXX to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. XXXX is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. XXXX is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.
Product: Credit card

I had a XXXX credit card issued by Comenity Bank. I charged {$49.00} in XXXX XXXX XXXX forgot I'd used the card instead of my Am Ex, but never received ONE bill or a reminder, or an email, or a phone call, and all of a sudden in XXXX XXXX I got a notice from a collection agency that Comenity had " sold my debt '' to them, and I had been charged {$31.00} a month, which brought my bill up to {$340.00}. Even though I had been totally unaware of this debt, having always paid bills immediately, I bargained them down to {$200.00}, which I paid. Oh, they also canceled my account without alerting me. 
Then I realized that it was perhaps fraudulent, definitely dishonest. I now want people to beware of Comenity Bank. They clearly are a bank without integrity. Where else should I write or protest?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Charge-Offs on Credit Report Dear CFPB, I am writing to formally dispute the charge-offs that are still being reported on my credit report. I have reviewed my credit report from TransUnion and found the following inaccuracies : Account Name/Number : [ XXXX XXXX XXXX XXXX ] Account Name/Number : [ XXXX XXXX XXXX ] Account Name/Number : XXXX / XXXX ] Account Name/Number : [ XXXX  XXXX XXXX XXXX ] Account Name/Number : [ U.S. DEPARTMENT OF EDUCATION XXXX ] Account Name/Number : [ XXXX  XXXX XXXX ] Account Name/Number : [ XXXX  XXXX XXXX XXXX Account Name/Number : [ XXXX XXXX XXXX ] XXXX. Dispute Reason : This charge-off is incorrect due to potential identity theft. My personal information was compromised in the XXXX XXXX XXXX breach in XXXX, which exposed sensitive data of approximately XXXX XXXX individuals, including Social Security numbers, addresses, and other personal details 2. Dispute Reason : This charge-off was sold to a collection agency, and it is inaccurately being reported by the original creditor. Under the FCRA, I request that this item be removed from my credit report. 

I have previously disputed these items with the credit reporting agencies and the creditors involved, but the charge-offs remain on my report. I am requesting that the CFPB investigate these matters and ensure that all disputed items are removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX, Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

My credit score had a collections attached which I was not aware of. I contacted the creditor on XX/XX/2023 to let them know that the debt is fradulent ( the amount I am billed for did not benefit my case ) and I dispute the debt. The creditor claims I received a notice for arbitration which I did not receive and that I have not disputed the debt in time and therefore insisting money is owed and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The other personal affairs concern a company named Google. Google has allowed game developers to advertise falsely. In two games played, I have accrued a payout of over XXXX to XXXX. I was never paid. I could not recover these amounts. These apps appear on the XXXX XXXX XXXX. As a consumer, I do not receive the care that many others receive, perhaps because I am a woman and XXXX. Every time I report unauthorized charges, as a penalty, Google blocks my account and only will reinstate it if I send in several pieces of information like photos of my ID, debit card, and other legal documents. How often will I provide my personal information before they can verify me? The only thing that has changed is my debit card. I fear Google employees are misusing customers ' private data for other matters, or it is sold to others globally. They seem to request this too often or whenever a complaint is launched against them. 

Google also allows these to take place within apps that are on their platform : 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 These issues are still current. Google retaliates against customers who complain about services and lack of treatment. I have requested an itemized bill of payments, which was promised but never delivered. Google lies to customers ' requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXXCharge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance XXXX XXXX XXXXCharge-Off, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.
Product: Debt collection

I received a collections notification ( I literally have no late payments on all of my accounts ) on my credit report. 
I contacted the company listed Harris & Harris.

Gave them my name and ssn- they had no record and could not tell me where the debt was from.

Have them my address again they could not even pull up my account.

I researched the credit report thoroughly and told them the debt was {$140.00} - said It could be medical or utilities. I am utterly confused on how they can be reporting a debt when they cant even give me the details to sort through the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX  is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?
Product: Credit reporting or other personal consumer reports

I have disputed two hard inquiries on my Equifax credit report : ( 1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX I have contacted Equifax a total of 3 times for the purpose of disputing these inquiries, as I have never had any contact with these two businesses or given them permission to make hard inquiries on my credit files. 

I first contacted Equifax on XX/XX/XXXX by filing an electronic dispute. Equifax completed this " investigation '' within 7 days with their determination being that the inquiries was valid and would remain on my credit report. I then wrote to Equifax on XX/XX/XXXX requesting that they provide documentation to support this, but never received any response or confirmation that my information was received. Finally, I filed a second electronic dispute of these two hard inquiries on XX/XX/XXXX. This time Equifax claimed to have finished their " investigation '' in less than 24 hours with the result being the same as the first dispute. 

As I have stated, I have never had any contact with these businesses and these hard inquiries should be deleted from my credit report immediately. I previously requested that Equifax provide me with proof that these companies were given the proper authorization to conduct these hard inquiries, by providing a signed contract or other supporting documentation. Equifax has failed to do so. 

Furthermore I believe that Equifax has failed to conduct reasonable investigations into this matter in violation of the FCRA and US Code 1681i.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block ), inc due to inadequate customer service and unfair practices which violate 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 n protected 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 regulation e these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered some from XXXX they never sent me my item and I was charged {$44.00} they never took it off of my charge account and want me to pay a bill on that Im not paying anything on that card until they take that and fix that also was charged three times for the same item and they have not taken that off either thats {$20.00} they need to take that off of there also so I have a discrepancy of over 100 and something dollars and they need to fix it on a {$250.00} credit card Im not paying on the credit card until they fix it thank you XXXX XXXX and whos not taking it off the cart would be PayPal
Product: Debt collection

for several months I have a problem of fraud and identity theft, and had to make several police reports and ftc also reported fraud alerts in my credit reports, this anima credit account is not mine, it is a fraudulent account that this company with an amount of $ {$1200.00}
Product: Debt collection

On XX/XX/2021, my father sent me a voicemail from a creditor. A woman called him- he & I do not share a cellular phone number & we do not live together - left a voicemail advising that she was calling to speak to me about an account that was in collection efforts. 
I have advised this company, not to call anyone but myself & they have the correct contact number for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my information was leaked in the XXXX data breach I've been a constent victom of fraud. Listed below is my FTC report listing all the fraudulent inquiries that were not authorized by me.please delete all inquiries, they're not authorized and are fraudulent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX,
Product: Checking or savings account

XX/XX/ I used my ATM/debit card at a stand alone ATM at the cruise port in XXXX XXXX XXXX This is the ATM to the left of the duty free shop. I went back to the cruise ship and decided to log into my bank app to see if my tax return had been deposited into my account. ( about 20-30mins after the ATM transaction. ) I noticed 2 problems : 1. The ATM says it was a {$10.00} fee for using the ATM and it charged me {$20.00}.

2. There was a charge on my card for {$2300.00} for XXXX XXXX I have no idea what XXXX XXXX is. I immediately called the bank to see if they could stop it, they said I had t wait for the transaction to completely post which would take a couple days. 

I also immediately shut my card off to prevent further issues. I went back to that ATM to look around and noticed every time someone approaches the ATM a lady with a board creeps over and stands next to it. Also I noticed on the WIFI of my phone there was a network called " guest. owned device '' side note : yes I had my card in my possession at all times I told the bank this info and they denied my dispute twice. Also they should be able to see that I have rarely if not ever used my debit card in that way ( ie to charge as a credit card type transaction ). I also can prove that I was using another credit card for everything else on that particular day. PNC bank is saying I can not prove it wasn't me more or less.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was taken over twice. They emptied an escrow account that should never have existed and refused to apply it to the balance of the loan. I made a re payment arrangement to pay additional money and it is now showing as a monthly payment. They REFUSE to do a forensic and give me the amount that I have paid over the course of the loan because they know it will implicate them. Im a XXXX who struggled to make sure XXXX XXXX had a home. Im a XXXX XXXX XXXX XXXX  and would like to be able to demonstrate to my students that we live in a country that gives you recourse if you have been wronged by a predatory lender. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an ion end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But XXXX   and Experian refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they XXXX  and Experian told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. XXXX  and Experian still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.
Product: Debt collection

Unknown and there was never a medical bill I owe d in 2014. Thi s is inaccurate and false information against me
Product: Checking or savings account

TD bank manger is sending me handwritten envelopes with letter threatening to close my account, harassing me by telling me not to write checks or use my debit card. I called the customer service number 2 times and was told there was no record of my complaints. I was also told the mangers manger would call and this was also a lie.
Product: Mortgage

I got a call this morning from a Nationstar representative calling in regards to a letter I sent two weeks ago requesting : 1 ) payments to be applied, 2 ) my dedicated loan specialist to contact me, and 3 ) info I have been requesting but have not received. The representative told me my account was proceeding with foreclosure. I asked her : 1 ) why my dedicated representative has not contacted me, 2 ) or sent me info, and 3 ) refused to provide me with an email. She said it was their preference not to provide it. I have not been able to reach her by telephone and my voicemail requests have not been answered. I should be able to request info by email and they can send it to me securely. 

I let the representative know that on multiple occasions funds I had submitted were misapplied or not applied since last XXXX and to current. I have proven that multiple times. This is another example of Nationstar calling me with no account detail and history. My account discrepancies should have easily been resolved. It should not be in foreclosure status.
Product: Debt collection

XXXX from XXXX XXXX keeps calling me at work after I told her numerous times to stop, including an email. She tells my employer that I need to pay my payday loan off. This is embarrassing and causing problems at work.
Product: Mortgage

I seem to now have to issue 's, so I 'll begin with the first ( this will lead up to the second ) ... Around XX/XX/XXXX or XX/XX/XXXX if this year I notice my mortgage was not reporting to XXXX, but was reporting correctly to XXXX and XXXX. I contacted Ocwen Loan Servicing and ask if they would report my account to XXXX. The representative replied to me that they report to all four major credit reporting agencies. I was instructed to fax to them proof they were not reporting my account. I faxed over to them all the required information to prove my case. Now I do n't want to make this real long so please understand that for months I 've gone back and forth with XXXX and Ocwen to get this resolve. As of today, it still not showing with XXXX. On XX/XX/2016, I spoke with XXXX and transducers me to inform Ocwen to get the person that works for XXXX and handles their account to get involved. I fax a written request to Ocwen asking them to speak with the liaison the have that works for XXXX to correct this. I still have not heard anything back from them as of today. Now this brings me to my second issue .... I went online to bring up my account with Ocwen to get their phone number and call them to get an update. I notice my name was different on the most updated statement and on there website page. My name has always been correct and written on all documents as : ( I 'll write it later ) the missing part on my current statement is XXXX And on their website, rather XXXX on it, it has an!, not sure why these changes are and if this is legal. I 've received no notice to legal change my name, by them, on any document 's nor have I ever given any approval for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating from over 5 years back I have been continually providing and disputing the same issue with not only XXXX but with Equifax as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because XXXX  and Equifax both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough