23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My 5th 3rd Bank account has been hacked and I have notified them about the breach. This continues to happen after I went into the branch to state I have no online account and nothing is to be transferred out besides my mortgage payment. You see the Bank forces me to keep an account there because I took out a mortgage with them. That said, I complained to the loan officer while doing my loan paperwork that she is sending my private information through unsecured emails. I asked if they have secure email and she said yes and I said I do n't need a password or anything like with other Banks? 
No not at all, my bank records, social security number birth date and address all out there with no protection. Since then I have had my XXXX acct hacked and 5th 3rd twice and closing the account tomorrow. I called 5th3rd corporate office in OH only to find out they do n't have any compliance department and I mentioned the CCO 's name and she replied " I have no way to contact him or his department. 
I understand there are rules in place within the Gramm-Leach-Bliley Act that are not being observed by the Bank. I really need some help dealing with the Bank. 
p.s. The documents I provided to the Bank were emailed through a secure encrypted email system much like other Banks use. Opening it would require a password.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the account listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681.

**Account Name : ** Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

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

To whom this may concern, It has come to my attention that someone has been fraudulently opening bank accounts in my name. I am submitting a FTC report in accordance to XXXX XXXX to have the attached accounts removed or blocked from listed credit reporting agencies as well as removed from any sister companies your reporting these fraudulent accounts too
Product: Money transfer, virtual currency, or money service

An unauthorized transfer from XXXX was made on my Wells Fargo account on the XX/XX/22 and Wells Fargo is not able to help me. The transaction about is in the amount of {$1000.00}.
Product: Vehicle loan or lease

There is belief that my auto loan on XX/XX/XXXX of a XXXX XXXXXXXX XXXX XXXX XXXXXXXX had miss applied charges and wrongful fees applied to my account of XXXX over the last two years. Ive received guidance on making a payment in a branch or over the phone but I truly believe with countless amount of representatives over many of states my account has been miss represented and falsely informed with my payments having the proper handler. The original finance agreement is {$32000.00} with a payment due date of the last day of the month and a maturity date of 19 days post due date. In which i have managed to pay month by month in which is nearing 2 years now and I believe in the saying I just work here but through this case in such institution as a Wells Fargo bank, that should not apply. With money handlers and tellers working with financial standing, life savings, investments that should not compare to a cashier asking for payment for a bag of chips or a tank of gas. I am grateful for the loan but I greatly regret seeking assistance through Wells Fargo customer services.
Product: Mortgage

In XXXX, I refinanced my mortgage with XXXX XXXX ( XXXX XXXX XXXX ). The first payment was due on XXXX/XXXX/2020, and the payment was received by XXXX XXXX and processed on XXXX/XXXX/2020. On XXXX/XXXX/2020, my loan servicing was transferred to BSI Financial ( https : //www.bsifinancial.com/ ), however BSI has still not recognized the payment I made to XXXX XXXX, and show my loan as delinquent. Despite repeatedly calling them, they have made no apparent effort to contact XXXX XXXX to locate my payment.
Product: Credit reporting or other personal consumer reports

This is my second endeavors 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. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Received a credit card with a statement of possible fraud from XXXX XXXX visa card from Synchrony Bank in XXXX florida. Spoke with fraud department on XXXX/XXXX/XXXX. The card was cancelled and an investigation was opened by the bank. I never opened this credit card and have concern that my private identity was used to open it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I discovered that Experian illegally re-inserted the XXXX XXXX XXXX as a new collection account to my credit file in the amount of {$1600.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2018 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA. 

This account was deleted off of my credit report years ago. And now it has been resold to another organization. This account needs to be removed off of my credit report. I sent a certified letter return receipt, I never received any response from the Credit Bureau. A screenshot is attached to this complaint.
Product: Consumer Loan

XXXX/XXXX/17 I ORDERED furniture from XXXX XXXX XXXX ( XXXX ) in XXXX XXXX UT. The furniture was to be paid for with an XXXX XXXX XXXX DBA XXXX Bank. I was required to pay for the 'Taxes ' up-front. This was done with my Well Fargo Credit Card in the amount of {$100.00}. Approximately a month later upon the estimated delivery date, I learned the furniture had not been ordered. In the interim I was first told the chairs were not available, then after research on my own this was not correct. A new sofa was to be ordered with the chairs. None of this happened. The 'floor model ' sofa was retained for my order. XXXX XXXX was unable to provide the services/furniture as expected and could not provide any additional information on the order. Phone calls sent me to warehouse were there was nothing for delivery. The manager refused to talk with me. My sales rep could not provide me with any solid answers for status. The order was NOT cancelled by me, it could not be delivered by XXXX XXXX. XXXX XXXX continued to bill Synchrony Bank. I disputed the charges. Synchrony Bank ruled in my favor and returned the charges. Wells Fargo as refused to refund the 'taxes ' based on the XXXX XXXX Cancellation Policy of cancellations subject to a XXXX % restocking fee. The order was never ordered to be considered for restocking fees and the same paragraph states 'floor models ' of what was retained for my order was 'SOLD AS IT WITH NO RETURNS '. I did not order the 'floor model ' and it was never delivered to be attempted to return. I submitted a dispute with Synchrony that was ruled in my favor. I submitted a dispute with Wells Fargo of the 'Tax ' charges and was denied for reason stated about. I reopened the dispute providing Synchrony Bank 's decision and to date have not received a reply. I do not have evidence of the Wells Fargo dispute documents. The Wells Fargo system removes documents after a small window of opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on my credit reports. I have tried to resolve this issue with no success. I'm asking the CFPB to please open an investigation as to why I have numerous addresses and names when there should be only what is on my Driver 's License! I have submitted a copy of my driver 's license which provides the only address and name that should be stated on my credit reports.
Product: Debt collection

I got a letter from Radius Global Solution offering me two options to make a payment of 3 payments of {$250.00} or {$150.00} in 6 payments. Apparently I dont know who the XXXX this company is. I never did any business with them. How the heck do they have my residence information. I dont even owe this amount. Whatever the old debtor was, I never did any business with them. I never gave my information to any company. This isnt right. They should be taken legal action because I dont even have their credit card or whatever the XXXX it is they are asking. They should not know my information. I dont recognize the old debtor either so something is wrong here. I never worked or didnt any business with Radius Global Solution and I have never signed any thing with Radius Global Solution. This is outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and things Ive never seen before on my credit report. Over 45 days late I have not received a response yet. I think that they are ignoring my disputes. Section 611 ( a ), It states that a failure to investigate these items within 30 days constitutes a removal of these items from my credit report. Its been well over 45 days and they should be deleted immediately. My credit was involved in the date breach and some of my information may have gotten been misused.
Product: Credit reporting or other personal consumer reports

The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via emailXXXX mail XXXX AND the FTC report XXXX if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting XXXX to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that IS mentioned. Once again, proves you didnt do adequte research. Shut case. XXXX be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote to Experian regarding identity theft noticed on my credit files. It was sent certified mail return receipt requested on XX/XX/2020 with tracking XXXX. They responded that the account remained and verified as accurate. 
On XX/XX/2020, I responded back to Experian Certified mail return receipt, with tracking XXXX requesting a validating contract under Section 609 of the Fair Credit Reporting Act. They responded with no verification and only advising again it remained and was verified as accurate. 

On XX/XX/2020, a letter was written to XXXX XXXX XXXX NJ XXXX that requested validation of the account. No response. 

On XX/XX/2020, a second request was sent to Experian certified mail return receipt tracking XXXX requesting the contract again and it to be properly verified or deleted immediately and again it was verified as accurate and remained. 

Before I send my final request to both XXXX  and Experian, with a law suit attached I am asking that Experian permanently delete XXXX XXXX  account from my credit file as it is fraudulent and add a promotional suppression to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started business with Grain ( trygrain.com ) on XX/XX/XXXX to try and build my credit where they deposit money into your checking account after paying a {$200.00} deposit. I was accepted for a {$400.00} credit line. However, issues started where I no longer have my XXXX Checking account and the company has no response on updating my checking account so that I can make payments on-time consistently. The issue started on XX/XX/XXXX and I have reached out to them on XXXX XXXX and email at XXXX with no response from email that helped. One instance they reset the ability to add my checking account through their XXXX app, but the connection to the XXXX XXXX continuously failed which keeps resulting in interest fees, late payments, and the possibility of negative marks that will happen around XX/XX/XXXX. 
I'm simply trying to pay off my account with Grain and receive my {$200.00} deposit back, but it seems that everyone, including on their XXXX page, is not having any response from this company to fix a simple issue and have the customer service capacity to resolve issues before they happen to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is reporting and continuously reporting and validating disputes stating that a collection on my credit report from all credit bureaus for XXXX is valid. I did not come across this until reviewing my credit report to move out of my current apartment and fix my finances to buy a house with my XXXX XXXX XXXX XXXX in XX/XX/2022. I filed 2 Identity theft reports, ive sent physical mail letters to all credit bureaus and the creditor. The only response I got from the creditor is that they validated the dispute because of an email address and thats it, which makes no sense to me. The lady i spoke to requested for me to submit a police report but i submitted multiple identity theft reports and Ive put freezes on all my credit reports, ive done all the right things with nothing fixed. Multiple times the report will get deleted and then put back on later, now i have difficulty getting scores, requesting reports, it makes me look bad and get flagged because i have to keep disputing the same reporting continuously. After disputing that it has been deleted and put back on, i dont get any real answers. Ive requested a block and no action has been taken. This affects my debt, my debt to income, mortgage applications, and i am not responsible for this. As a consumer under the fair credit act it should not be this difficult for a young single mother of XXXX XXXX XXXX trying to get her finances in order and work on raising her credit. It is incredibly discouraging and i have given up disputing it multiple times but it is just not fair.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per XXXX XXXX XXXX i am now OPTING OUT of ANY AND ALL Authorization i gave or may have given XXXX XXXX verbal, nonverbal, written and non written, the consumer may have given inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I 'v sent notice XXXX PRIVACY ACT OF 1974 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX