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

XXXX, XXXX and TRANSUNION are violating my rights under the Fair Credit Reporting Act. XXXX, XXXX and TRANSUNION are reporting adverse items on my XXXX XXXX account without my permission which is a direct violation of 15 USC 1681 C ( a ) ( 5 ) which 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. is reporting late days on my credit report for this account. This reporting is clearly adverse and being reported without my permission, which is against the law. 15 U.S. Code 1681 ( e ) states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX, XXXX and TRANSUNION do not maintain reasonable procedures. 
Any and all consent to report adverse items by XXXX, XXXX and TRANSUNION and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked unless the reporting is paid as agreed or Current. 15 U.S.C. 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. XXXX XXXX never informed me of my right to exercise my nondisclosure option. 
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer, and XXXX, XXXX and TRANSUNION are the reporting agencies and I have the right to make sure that my private information isnt shared and is backed by 15 USC 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX 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. XXXX XXXX, the financial institution, and XXXX, XXXX and TRANSUNION, the consumer reporting agencies, DO NOT have my consent to furnish adverse information and they surely DO NOT have my written consent.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am the Power of Attorney for a family member who has a home equity line of credit at Wells Fargo Bank. It was started in XX/XX/XXXX under Wachovia Bank at the time. In XX/XX/XXXX, ( before I became POA ) family member made cash advance for {$5000.00} from HELOC to his Wells Fargo checking account which exceeded his maximum credit limit which was {$100000.00}. After the advance, his outstanding balance on his HELOC was {$100000.00}. Upon locating the loan agreement, I contacted Wells Fargo in XX/XX/XXXX. I sent them a letter since I had several questions upon becoming POA. I included the loan agreement, HELOC statements from XXXX XXXX and XXXX  copies of advance draft checks that I could locate ; XXXX  were initialed by bank personnel and XXXX  were not. I asked them to waive the advance and apply it to the balance of the loan, because it was in violation of the loan agreement and should not have been authorized. My request was denied. I received a letter stating that the bank can use its discretion to to authorize amounts over the credit limit. I asked for another review and was denied again. I ask that you review the loan particularly page XXXX " maximum credit limit '' and " obligation to lend ''
Product: Prepaid card

I've had this card since XX/XX/XXXX and every time I try to use it I am denied have tried to call customer service but there is never a live person
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as of XX/XX/XXXX which Equifax is fully aware of as i've MAILED in several documents proving this. I have filed several complaints on Equifax after speaking with them several times over the phone. Just today, I spoke with a representative in the Consumer/Fraud departments regarding a bankruptcy showing on my credit report that does not belong to me. I have disputed this charged well over 2 months ago and today ( XX/XX/XXXX ) the dispute is still open/pending. After speaking with the rep over the phone, he stated that they ARE allowed to keep a dispute going for as long as they prefer if they do not hear from the company. The rep confirmed they received no response back from this investigation and have failed to remove this from my credit reports. which has affected my ability to obtain credit and/or apply for mortgage. Equifax is not honoring the following statement and has this account under the wrong credit profile. 

" Under Section 612 ( a ) ( 3 ) of the FCRa, Equifax is given 45 days to complete an investigation on disputes made after a consumer receives their annual free credit file ''.
Product: Credit card or prepaid card

Hello There, I used to have a checking account and a secured credit card with Wells Fargo. I was not happy with the way Wells Fargo was handling my account and I decided to close all my accounts with Wells Fargo. 

I open the secured credit card as I was advised by Wells Fargo employee that will help me open my credit ; I have never had a credit card before and I open the secured credit card at their advised. I deposited XXXX and received a secured credit card. 

Sometime om 2017 when I close all my Wells Fargo Accounts at the bank the Banker that helped me closed the accounts even took my secured credit card and clipped she also said that I would not need the card since I was closing my accounts. 

Time went by and I applied for a mortgage and discovered that the card was showing on my report as open and reporting derogatory information on my credit report I hired an attorney to help me clear my credit and they made Wells Fargo return my security deposit however even though Wells Fargo acknowledge that they did not acted in a fair manner towards me. ; They still to this date have not clear the derogatory information on my credit. I called the executive office to put a complaint and the lady that took my call did not know anything about secured credit cards, she did not understand my concern and I have asked for a supervisor she said that she will escalate my concern. 
Weeks passed by and I received a letter from Wells Fargo telling me that after all this years they still need time to resolve my concern.
Product: Payday loan, title loan, personal loan, or advance loan

I have sent emails to the company because you can not get a hold of anyone over the phone. Email responses from the company only state that they provide an amortization schedule and they do not have online account access. They never address a monthly billing statement. 

I want to know how my money is being applied every month when it's debited from my checking account. An amortrization schedule is ok to begin a loan with, and says what is supposed to happen each month, but that does not physically show me how the transaction was applied. 

Initial email was sent on XX/XX/year> BHG responded on XX/XX/year> Secondary email was sent on XX/XX/year> BHG responded on XX/XX/year> A third email was sent on XX/XX/year> to which BHG never responded when I asked to escalate the issue.
Product: Debt collection

I have carefully examined my recent credit report and found several accounts that seem to be fraudulent and were added without my authorization.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Procollect has a charge for {XXXX} reporting to my credit since XXXX, 2018 as well as XXXX XXXX XXXX XXXX in the amount of XXXX}. I've had this investigated by XXXX police department ( police report filed for identity theft ). The apartments had no information to give therefore this needs to be removed from my credit immediately seeing that it is hindering me from somewhere to live! Procollect is extremely unprofessional concerning this matter and I've sent them the police report, which they state they never received ( emailed directly to the email given by representative, sent certified mail as well ). I've also reached out to the credit bureaus and they also claim they never received the police report but that was certified as well. All these people are trying to do is stay afloat since the Pandemic by keeping people in hardship even though its not their debt. This is sad and extremely disgusting that these people are doing this. I have XXXX children and I'm expecting another by the end of this month with no where to properly live because these people have put false information on my credit report! I NEED THIS REMOVED IMMEDIATELY!
Product: Debt collection

on my credit report it says XX/XX/2017 Account Resolution Services I never signed with his company and have no knowledge of the company
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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 XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Payday loan, title loan, personal loan, or advance loan

GreenSky , LLC used false information in their response to the complaint I made against them. They did not, from my perspective, conduct a proper investigation and they used fabricated information that favors the installer. They are allowing an unscrupulous installer to operate and sell their financing product under the guise of consumer protection where I did place my faith would protect me. It has not and GreenSky continues to break their customer bill of rights without consequence. In GreenSkys response to my complaint they wrote that the installer advised them that my electrical system caused this issue and my electrician confirmed this. That is a lie.

I would like the complaint re opened and GreenSky to perform a further review. They have pressed me that I did not act quickly enough to make the complaint on the quality of the AC installation yet I am almost 3 months from the time I submitted my timeline with real evidence of issues and GreenSky has not admitted the wrongdoings of the installer, XXXX. They are protecting the interests of the installer, not their customer - failing to advocate for their customer which as stated above violates their customer bill of rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 2. XXXX XXXX Date XX/XX/XXXX. XXXX, XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested, also Experian and XXXX did not provide the original contract as I requested!
Product: Debt collection

ON XX/XX/2018 PORTFOLIO RECOVERY ASSOCIATES RESPONDED TO CONSUMER FINANCIAL PROTECTION BUREAU CLAIM # XXXX. 

ON THE COLLECTION OF XXXX/XXXX. THEY STATED TO YOUR DEPARTMENT, PER THEIR RESPONCE THAT THEY REQUESTED TO ALL CREDIT BUREAUS THAT THE COLLECTION BE DELETED. HOWEVER THEY HAVE NOW REPORTED THE SAME COLLECTION WITH A DIFFERENT ACCOUNT NUMBER TO XXXX. 

XXXX IS REPORTING THIS DERROGETORRY ACCOUNT UNDER THIS ACCOUNT NUMBER. ( XXXX/XXXX PARTIAL ACCT # XXXX. ) IT IS IMPERATIVE THAT PORTFOLIO RECOVERY ASSOCIATES DELETES THIS NEW ACCOUNT, AS IT IS THE SAME COLLECTION THAT REPORTED TO THE C.F.P.B THAT THE COLLECTION WAS TO BE DELETED. 


PORTFOLIO RECOVERY ASSOCIATED HAS DAMAGED MY CREDIT WORTHYNESS, AND THE C.F.P.B SHOULD PROSECUTE THESE PEOPLE FOR MISLEADING AND PROVIDING FALSE INFORMATION THE A FEDERAL AGENCY.
Product: Money transfer, virtual currency, or money service

I have had a Coinbase account for over 4 years and should have a balance in the account now of around {$7000.00}. For the last three months, I have not been able to log into the account. They have two part verification but do not send the SMS code so I can log into the account. I have tried all their " customers serivce '' options and only get computer generated tips. I need to get into the account so I can close it. They seem to have no human assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I contacted Equifax for the status of a dispute with XXXX XXXX XXXX indicating that the account is not mine. The representative, XXXX, informed me that the account has the same name and social security number as my file, therefore it has been verified. I asked her how did Equifax verify the information. XXXX 's reply to was, the account has the same name and social security number as your file, therefore it has been verified. I asked, " Did you receive any valid information from the creditor?. '' XXXX stated, " XXXX did not send in anything ; however, the account has the same name and social security number as your file so it has been verified. '' I asked XXXX that if XXXX never replied with any valid information or any information at all then how can you say that it has been verified? She replied, " The account has been verified. '' I explained to her per the law, a debt has to be validated in order for it to be truly verified, so what information do you have that says that this account has been verified? '' XXXX replied, " I do not have any information. ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, SXXXX XXXX XXXX XXXX XXXX XXXX  Account # 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 an account without my written instruction.
Product: Debt collection

I received my annual credit report from the bureaus. I found this collection agency, that have never spoken to me last week. They have a derogatory mark on my report. Saying I owe XXXX dollars. First of all, this is from XXXX XXXX. From XXXX XXXX. I had XXXX XXXX back in Texas when I lived there XXXX years ago, I returned my equipment back then and have never been contacted about anything with them. I now retrieved my credit report about a week ago and this appears on my record. This account does not belong to me. I have XXXX as my service provider for the last XXXX years.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the XXXX XXXX XXXX XXXX to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Vehicle loan or lease

I am submitting this complaint to you and your company for a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report AND IM NEVER LATE. I typically have my account on automatic but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment. My family and I have been through a lot since one of my family member got sick and we are finally getting back on our feet and this late payment is bringing us back down : JPMCB AUTO XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.