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

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX account # XXXX, Account name : XXXX XXXX XXXX account # XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallllf, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigston : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer.

and according to the 15 USC 1681 s-2 they are supposed to 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: Debt collection

I have ben receiving calls from Portfolio Recovery saying they were representing XXXX XXXX Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX/ XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction. 

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 items of information other than records of convictions or crimes wich 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 card or prepaid card

I applied for the XXXX. When I filled out the information it asked for my current address so I entered my XXXX address - where I have lived since XX/XX/XXXX. It also asked for my former address- i sold the house in XXXX in XX/XX/XXXX - The card has been sent to the XXXX address. I immediately contacted someone at Aspire, and was told I had to wait 30 days and they could not change my address. I have called numerous time and had several online chats to get this fixed. They send me a link that would not work, so I could submit a utility bill and a copy of my drivers license. I was finally given an email address to send the information. I submit XXXX utility bills and a copy of my DL to show my address, on XX/XX/XXXX.. I have been told soo many things, it will take 30 days, then it was 5 days and this weekend it was XXXX days. XX/XX/XXXX I have contacted again via chat and was told it was just sent to have the address changed. When I called today. It was told they could not change my address because the documentation I provided was invalid. Even though I provided a copy of my spectrum address and a copy of credit card bill address. AND my drivers license. I have attempted on numerous occasions to have my address corrected and it's falling on deaf ears. I have repeatedly let them know it felt fraudulent that something felt off.. I asked to speak to someone state side, and was denied. 

I was even told by a rep to drive to my house in XXXX to get the card, I let the rep know that's not legal, or how we do things in the states. I don't know what to do. I do not this to negatively effect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my credit report that I do not recognize. I called In regards to these and was told I would have to contact the the company where the inquiry came from. Contacted the companies and was told it was nothing they could do and to contact the credit bureaus. I am tired of being given the runaround. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried reaching out to all XXXX  major credit barrels. XXXX XXXX XXXX XXXX. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX its about XXXX accounts and I dont know over XXXX or XXXX inquiries, I have listed them, I also enroll my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX XXXX and also the XXXX XXXX XXXX. My information is on the XXXX web and its continuously being used and my credit is being ran several inquiries XXXX to XXXX accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
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 right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
Product: Checking or savings account

On XX/XX/21 we filed a claim for {$60000.00}. It involved an XXXX XXXX XXXX man who obviously had very limited banking knowledge and he did not know how to complete the forms to withdraw that large sum of money. He was assisted by two Bank of Americas 16 miles apart to withdrawal {$30000.00} from each bank. One of the transactions included a {$20000.00} cashier check. Those withdraws were done on the same day and they were extremely irregular activities. We received a reply to a claim with someone else 's account number and claim date on it and it denied the claim because it stated someone reported a false forgery. Forgery was never reported in our claim. We believe Bank of America sent us information about someone else 's claim and never did an investigation on our claim. They are unwilling to give us an explanation or any information on why we never received an answer to our claim or why we received a letter with incorrect information on it. We spent months trying to find out how we would get the money back from the cashier check, but everyone we talked to did not seem to know a cashier check was involved in the claim. We suspect things were not handled correctly the day the incident was reported and our claim was never investigated. ( I ATTACHED A DOCUMENT FOR CFPB TO READ- PLEASE READ )
Product: Money transfer, virtual currency, or money service

I wend to PNC Bank In XXXX KY on XX/XX/2022 to deposit checks in the total amount of {$5000.00} including {$4000.00} check from XXXX XXXX  and two money orders of {$500.00} from XXXX XXXX. They did take the money orders as deposit that day with receipt in hand and it shows on my banking app few days later the full deposit of {$5000.00} the a day later only showing {$4000.00} reducing the amount of deposit by {$1000.00} of the two money orders. the bank never informed me about the incident by phone, mail or email. I went back to the bank a week later to understand what happened for the teller to inform me the money orders were not valid and they are gone without return. I informed the teller and the bank manager these were money orders with cash values not something they can just discard. they truly did not care sending me out with out a solution telling my they have the right not to give me any checks or money order back if they were rejected by there system. I contacted the head office for PNC to open an investigation, I was told to contact the bank manager to escalate the issue for investigation to my surprise the bank manager was not welling to meet, help or investigate then I contacted a Law office to push the bank for action then I started getting empty calls of any resolution from escalations teat members of PNC bank. I need your help to investigate this issue further to understand how can I get my money back by PNC bank or by getting my money order back to return to XXXX XXXX and get a replacement. As you all know these money orders are my money frozen in those checks tell i get them replaced.
Product: Mortgage

In XX/XX/XXXX, I purchased my home and obtained a loan serviced by Newrez ( Shellpoint Mtg ). At closing, I paid for my property insurance in full for a year ( XXXX XXXX. XXXX with XXXX ). Attached is the settlement statement and policy information. 

My XX/XX/XXXX mortgage statement ( attached ) showed that Newrez advanced {$7200.00} on XX/XX/XXXX for Hazard Disbursement. 

On XX/XX/XXXX at XXXX PM, I called Newrez 's Insurance Department. I spoke to XXXX who asked a few clarifying questions about my policy. During the conversation, it became clear that Newrez paid an insurance policy that did not belong to me. They paid a policy that belonged to XXXX XXXX, who was the previous owner of the home I purchased. XXXX updated my policy information and ordered a Refund Retrieval. She asked that I call back on XX/XX/XXXX to check the status. 

On XX/XX/XXXX at XXXX AM, I called Newrez 's Insurance Department and spoke to XXXX. He stated the matter was resolved and funds had been credited to my escrow. He asked me to wait till XX/XX/XXXX to see it reflected in the account. 

On XX/XX/XXXX at XXXX XXXX  I called Newrez 's Insurance Department and spoke to XXXX. She said the funds had been refunded and this was an escrow department issue, not insurance. She transferred me to Customer Service and did not explain what had happened on the account. 

The customer service agent XXXX, explain that the refund is from the insurance company and I needed to do the follow up. I explained that the insurance policy that Newrez paid out of my escrow, was not mine, and had a different name. I stated that I could not call to the insurance company to inquire or request a refund on someone else 's policy. He put a request for an escrow analysis be done and assigned case no. XXXX. 

I followed up through Newrez 's " Chat With Us '' online features. At different times agent advised me that the analysis was ongoing and due to be completed XX/XX/XXXX. I reached out on XX/XX/XXXX and online agent told me to give it XXXX more days. 

On XX/XX/XXXX at XXXX XXXX, I called Customer Service to follow up on case # XXXX. I spoke to XXXX who informed me that my case was not really an escrow department issue. He transferred me to the insurance department. 

XXXX from the insurance department apologized for the inconvenience and said that he would " put a ticket '' for a Fund Retrieval to obtain the funds back. He advised me to wait XXXX days. I asked for the " ticket number '' and he said they did not have XXXX. I expressed concerned that every time I called I had to explained and even the insurance department.
Product: Credit reporting or other personal consumer reports

Pertaining to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and i am the Consumer. I have the right to make sure that my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information. '' 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 which it relates. '' XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, whether it to be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which as against the law. 15 USC 1681 s-2 ( a ) ( 1 ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this Title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this Title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX XXXX and they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute inaccuracies related to the account listed below on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), I am requesting an immediate investigation and removal of these account if it can not be verified as 100 % accurate. 
The accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of all information on my credit report. If this information can not be verified or corrected to reflect complete accuracy across all three credit reporting agencies, I demand that it be removed from my credit report immediately. Additionally, I am requesting that you complete this investigation and provide a written response within 30-45 days of receiving this letter. Failure to address this matter appropriately will result in my pursuing legal action to collect {$1000.00} in damages for each inaccuracy, as provided for under the FCRA. I expect prompt action to resolve this matter. Please send a written response to the address listed above or contact me at the provided phone number or email address. Thank you for your attention to this matter.
Product: Debt collection

Received A robo call at XXXX today from a company called credit solutions ( XXXX and this lady come on ask my name and ss # and says I owe {$450.00} from some pay day love and I had committed check fraud and I ask her what bank and when did this happen she said in XXXX at a bank I stop using in XXXX and I ask her how did that money get in that bank in XXXXshe said she did n't so ask her not to call this number until she had her facts correct, then at XXXX robo call my job and someone came on and stated the same line and again I ask the not to call my job until they had their facts right and the she said I would be serve at my job or home and I told her that I would report this as soon as I get off the phone.
Product: Money transfer, virtual currency, or money service

XX/XX/13 I was called by a US Bank number ( us bank impersonator ) ( XXXX ) regarding a fraud charge to my bank account. I was told that they would help me sort out the fraud charge which was described as a wire transfer to XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, AL. I gave sensitive info as requested via us bank text messaging system ( XXXX ). I didnt have time to be on the phone so I said I will sort this out with my local bank. Fraudsters became quiet so I hung up and call my local bank asap. Later that day I found out that any phone calls to my number would be transferred to ( XXXX ). 

I feel as though US Bank has done nothing to try and fight this fraud case. My questions include : Why was this wire transfer not flagged? Wouldnt a wire fraud of that amount to another state seem suspicious? Why wasnt the receiving bank contact asap? What constitutes some fraud cases being refunded vs others being declined?
Product: Checking or savings account

My checking account was breached and an unauthorized {$5000.00} check was written against the account. For months I could not get an answer from the bank as to the status of their investigation until I filed a complaint with the CFPB. I immediately received a response and a credit of the {$5000.00} taken. I recently received a letter from the bank stating that an ex employee was responsible for the unauthorized activity and I am being offered a 2 year credit monitoring program. In the letter, the bank left a phone # to call, XXXX, for questions or concerns about the letter. I called the number. It appears to be the general credit card information line. It requests your credit card information. Since I do not have a credit card with the bank ( my issue is with a checking account ) I can not respond to the auto inquiries, so the line hangs up. This line should be a dedicated line that addresses questions related to the unauthorized activity detailed in the letter. I am also looking for lifetime credit monitoring as this unauthorized activity was conducted by a bank employee. My personal information will be at risk forever, not just 2 years. The bank should take responsibility to protect its customers from a situation it created for as long as that situation will put the customer at risk. I would also like a direct line to someone who will discuss my concerns with the letter. I am also asking the CFPB to investigate the issue of the identity theft by an employee and determine if the bank 's compliance process and remediation process is adequate for this issue. Thank you
Product: Debt collection

I filed a Chapter XXXX bankruptcy in XXXX. In XXXX XXXX I converted to a Chapter XXXX and Carrington Mortgage Account # XXXX was included in that Chapter XXXX and was successfully discharged in XXXX XXXX. I have been fighting with this company ever since. They continue to contact me and send statements saying I owe this debt and I DO NOT. They continue to report to the credit bureaus that it 's an open account with 180 days late with past due balance and I 've had to get this corrected 3 times and just when I get it corrected to report as included in bankruptcy they have reported it back again to the credit bureaus as open past due and this account is CLOSED discharged through Chapter XXXX bankruptcy as of XXXX XXXX. Also they have yet to take ownership over the mortgage and I still have the County sending me property tax statements and I explained to them that I DO NOT own this house anymore that it was included in my Chapter XXXX bankruptcy and they informed me that the mortgage company has not taken it out of my name yet. What they are doing is illegal and before I hire a lawyer to sue them, I would like for your company to step in and make this right.
Product: Payday loan, title loan, or personal loan

My ex an I bought a water system in XXXX from a company that went door to door in our neighborhood when we had our house built, which we didnt realize until later that there was no solicitation allowed. The company never even explained to us that it was at such a high interest rate. Just a couple years later in XXXX the XXXX XXXX water system broke down on us to only find out the company was no longer in service and we tried everything to track them down. We eventually went to castle credit to explain but they had no intention of helping us. After we realized how much we had already paid to castle credit and how much was owed due to interest we stopped paying them since they didnt care that the product they loaned broke down on us. The company castle credit is based in XXXX IL and have been harassing us ever since.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX