23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, the company called my phone using a tele automated device. Leaving a phone number to contact I called the number back trying to find out who was calling. I did not give them any information but asked for their legal information. They refused to give me any information. My husband called a few minutes afterwards and the person asked him if he was calling about me. He had not revealed his name or verified any information to identify himself or me. They specifically used my name revealing personal identifiable information.
Product: Credit card

Had an issue where credits were were not posting to me account. Chatted with customer service for over XXXX days just trying to get them to fix the situation they refused. Was told XXXX XXXX at a approxmentally XXXXXXXX XXXX  eastern standard time someone from corporate would reach out with in XXXX hrs so I should here back from the by around XXXX on XXXX. Well the XXXX call was missed I chatted and was told by XXXX. That call was missed the. I was told by XXXX. That call was missed I was the. Told by XXXX XXXX  Thats XXXX missed calls and show zero respect for my time. Also lack of professionalism from corporate office which explains why all reps I dealt with refused customer service. Now they claimed to have the wrong number well how did the prank call me on XXXX if they had the wrong number. Screen shot of prank call provided.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint in violation of my privacy rights under 15 U.S.C. 1681 Section 602 A ; " a consumer reporting agency can not furnish a account without my written instructions. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : ( 1 ) the right to request their records, subject to Privacy Act exemptions ; ( 2 ) the right to request a change to their records that are not accurate, relevant, timely or complete ; ( 3 ) the right to protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use and disclosure of their personal information. 

I sought to have two accounts removed from my credit profile due to the fact they violated my to be protected against unwarranted invasion of privacy resulting in collection, maintenance, use and disclosure of my personal information, but whomever responded, focused on the accuracy of the account. I have never given XXXX XXXX XXXX or XXXX XXXX written permission for the reporting per Section 1681a. I was never notified in writing per 15 U.S.C. 1692ag prior to accounts being on my credit report within 5 days. In furtherance, a delinquent debt may not be reported under the Privacy Act unless notice issued pursuant to the Privacy Act 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure information about the debtor to a credit bureau. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exemptions apply to the disclosure. I did not consent to have my information be publicized. I request these accounts be removed from my credit profile immediately,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX I deposited a XXXX check into Regions Bank in the amount of {$40000.00}. Regions put a hold for 10 days due to suspicion of check being payable. On XX/XX/XXXX funds were made available however a second hold was put on the account for reasons not disclosed. I have called corporate, customer service and gone into several branches to withdraw funds but have been denied. XXXX XXXX put bank manager on notice that by holding funds past 5 business days he was in violation of Law in the Expedited Funds Availability Act of 1987 which he acknowledged he understood but advised the security of the bank was more important and superseded my rights and rights to funds. 

Regions and its agents conspired to unjustly withhold funds over 5 business days, committed deceptive banking practices and presented willful misinformation regarding my account by lying to me about check status from issuing bank. They have taken the stance and put me on notice that I am suspected of committing criminal activity and have ceased to deal with me as a customer. 
As of XX/XX/XXXX I have had no resolution.
Product: Credit reporting or other personal consumer reports

I filed a dispute on these Hard Inquiries that are still on my Experian credit report. Experian denied to follow up with the investigation. Since they have not attempted to remove or correct the information I am requesting these hard inquiries be removed or corrected immediately. I have no knowledge of these inquiries and they are affecting my credit score and chance of becoming a home owner.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Collections Account reporting from XXXX XXXX XXXX XXXX XXXX for {$1100.00} that has an inaccurate balance and open date. Late Payments Reporting from XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Late Payments Reporting from CLOSED ACCOUNT XXXX XXXX XXXXXXXX ) XXXX XXXX : XX/XX/XXXX XX/XX/XXXX. Late Payments reporting from XXXX XXXX. Experian stated that my personal information was found on the dark web website. Also I can not access my credit score or account for Equifax. According to 15 US CODE 1666B 15 US CODE 1681a ( 2 ) ( 1 ) 15 US CODE 6802 Law FCRA Section 605 B These late payments should not be on my credit report. Also it is illegal to report information on my credit report without my permission. Please remove these items from my credit report. XXXX violate my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit report act this Creditor has violated my rights under 15 U.S.C. 1681 sec 602 states I have the right to privacy,15 U.S.C . 1681 sec 604A sec 2 it also states A Consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B A creditor may not treat a payment on a credit report account under an open end consumer plan as late for any purpose.
Product: Credit card or prepaid card

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management Account XXXX : XXXX Midland Credit Management Account Number : XXXX has been sending me notices in the amount of {$420.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I had experienced identity theft, and had been communicating with XXXX XXXX and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Money transfer, virtual currency, or money service

I am willing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous at times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible, and that tracking these transaction was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers about has also allowed repeat offenders to exploit the system, leaving uses vulnerable to scams. This lack of accountability and transparency is unacceptable and a serious concerns about customer safety.
Product: Debt collection

This company has no information on how a {$650.00} credit card is now in collections for {$1100.00}. I offered a {$700.00} settlement, which the company responded with an almost {$1000.00} counter settlement.
Product: Debt collection

I have no knowledge of this account it popped up on my credit history, please send any verification & sign documents of this credit i owe because in my knowledge it would be considered fraud
Product: Debt collection

Commonwealth Finance solutions claims that they are following HIPAA Laws but they have not. Under HIPPA laws, the information that can be shared with a collection agency is limited. The information that may be disclosed to a collection agency includes the debtor 's name, address, Social Security number, date of birth, account number, payment history and the name and address of the health-care facility or provider. However, HIPPA laws do not allow the medical records to be submitted to a collection agency. The services a patient received are private, and those records may not be disclosed to a collection agency. This company sent me a copy of the health records directly from them. THIS IS A HIPAA VIOLATION AND I HAVE THE DOCUMENTATION TO PROVE IT. I also have credit reports dating back to 2014 where this debt was never placed on my credit nor have I ever received anything about this supposed debt. Companies are required to notify you before placing any acct in collections and I was never notified of this debt. Both HIPAA and FCRA violations have occured on this almost 7 year old debt.
Product: Credit card or prepaid card

In XXXX, I discovered about a dozen fraudulent charges on my XXXX that's linked to my Paypal account. I worked with XXXX to remove the charges, many of which were billed to " Paypal XXXX AL. '' In XXXX, I got a notice from Paypal that they'd suspended my account until I reimbursed them {$150.00}. When I spoke with them, they said someone had used my Paypal account as a " guest '' to make the purchases and that XXXX had refunded XXXX {$150.00} too much for one of the fraudulent charges. I verified with XXXX that they'd been refunded the exact amount of the fraudulent charges - no more and no less. But Paypal insisted on me sending them a check for {$150.00} which I did because it was the only way to close out my account with them ( and I wanted to avoid this negatively affecting my credit score ). But I don't feel it was right for them to make me pay because they have bad security on their site that allows criminals to make fraudulent purchases using my account. I was the victim yet I had to pay.
Product: Credit reporting or other personal consumer reports

There is a XXXX  reporting on my credit report, These XXXX  is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XX/XX/XXXX XXXX - 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 Account name : CHILD SUPPORT Account Number 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 The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date is incorrect and the reported date is inaccurate. This is grounds for removal. My rights were violated under 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 : Its also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

This company has been harassing myself and my family members repeatedly and saying I owe a medical bill of {$800.00} from 2010. This is not on my credit report. They have threatened saying they 're going to bring me to court if I do n't pay them right away. I 've told them to take numbers of my account and they have continued to contact my family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.SC. 5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure Transunion complies with the federal law and provides consumers with the necessary proof of investigation. Accounts =XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I had just gotten out of the hospital and recieved a phone call from sunbelt credit who go through security finance and when I explained to them that I was able to make a payment because I had just gotten out of the hospital the woman on the phone XXXX who goes by XXXX started to cuss and yell at me.
Product: Money transfer, virtual currency, or money service

An individual impersonating an individual on a dating app got access to my virtual wallet ID and authorized the wire transfer of more than {$17000.00} dollars to an online virtual wallet that was cloaked and portrayed to be a DeFi wallet but was not. Coinbase has said they can not do anything about it. I would think any account that is reported to have done this should be able to be frozen at the very least. This guy tried to extract {$1000.00} from my coinbase after I wired the funds to my bank and Coinbase responded by telling me I owed the money back!!! I know banks have the ability to recall funds and this has to be an oversight on their part.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances initially available funds. I believe theses practices are unfair and request an investigation into my account transactions.
Product: Debt collection

There have been periodic calls and communications from this company regarding a debt that is not owned by me and is instead apparently owned by my father instead, whom I have not had communications or associations with for many years ( estranged due to family dynamics ). The most recent of which was via text message on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. Giving someone access and opportunity for identity theft. Per the FRCA 606b 15 USC 1681c2 the following accounts need to be blocked and deleted. This is fraudulent, inaccurate and false information listed on my Experian profile consist of the following accounts. 
XXXX {$6300.00} ; XXXX XXXX {$5500.00} ; XXXX XXXX {$1400.00} XXXX XXXX {$780.00} As well as inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recognize the aforementioned accounts, collections or inquiries and were not opened by me. These are a result of identity theft from a data breach.
Product: Credit reporting or other personal consumer reports

Equifax is reporting four inquiries which have been reported as Identity theft filed along with a police report from the XXXX Police department. The XXXX inquiries are the following : Hard Inquiries- XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( On XX/XX/XXXX this Inquiry was reporting on Equifax as " XXXX XXXX XXXX '' with the same date of - XXXX ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX In response to my written request for information about the Hard inquiry, to include a copy of the application, XXXX XXXX sent correspondence indicating they would require full account numbers and other information before they would respond to my request. 

On XX/XX/XXXX, XXXX XXXX sent written correspondence informing me that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a request was sent to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

The State of California passed legislation that requires every bank who does business in the State to submit every customer 's social security number into an Automated Data Matching System, see sections 17450 - 17456 of the State of California Family Code. The XXXXXXXX XXXX and the Navy Federal Credit Union have submitted my social security numbers into the State of California 's Automatic Data Matching System without first notifying me to opt out, or to dispute, or to challenge these actions in Court. These actions by Navy Federal Credit Union and XXXXXXXX XXXX violate the Gramm-Leach-Bliley Act, Dodd-Frank Act and the Right to Financial Privacy Act. I am entitled by law to be notified first before my non-public information is submitted to any third party. Since late 2013 over {$3000.00} was frozen then taken out of my joint savings account with my son and joint checking account with my wife and in both instances, this was not my money they took. Please enforce the laws that we had Congress pass to protect us from the very activities these banks are doing.
Product: Credit card or prepaid card

A email was received that stated the account balance credit limit was reduced to XXXX $ from XXXX $ Due to inactivity ( carrying high balances ). 

I request that balances be reinstated to what they were previously