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

An inquiry was made to pull my credit report. Quicken loans does not have my authorization in writing. They used deceptive practices to have me verbally agree to a credit pull. They did not explain that my credit would be pulled. Also, I did not qualify for a home equity loan since I have zero equity in the house. This is the question that should have been asked first before pulling credit. They called me as a telemarketer trying to get me to get a home equity loan, I was not interested in. Not once in the call did the person even state that this was for a home equity loan. I guessed that is what the call was for. I have never had a problem with companies pulling my credit score unauthorized before. Most companies explain that your score will be pulled and ask you if you agree. It that had taken place I would have said no. 

I spoke to the company and I was told that I agreed when the salesperson asked me to confirm my birthday so he could check to see if I qualified. That statement is not a clear authorization to pull credit. The company refuse to remove it from my score and honestly its unfair that I have to ask them to. Its not in their interest to help me or make my life easier.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX  XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 instructions
Product: Debt collection

My wife was in a car accident. She was injured and our car was totaled by a driver who was parked and crossed two lanes ( my wife was in the furthest lane from the other car ) to make an illegal u turn in the middle of the block on a four lane road. He drove into the side of our car. As it turns out,  the other driver was unlicensed and is being criminally prosecuted. The sheriffs office found the unlicensed driver to be 100 % at fault for the accident. 

The unlicensed driver had a second rate insurance company with low limits and despite the damage caused, would only be responsible for {$5000.00}. This second rate insurance company, XXXX XXXX XXXX ) also took the untenable and wrong headed position that my wife was 30 % at fault because she should have been able to predict that the unlicensed driver intended to make an illegal u turn ( despite the fact she had passed him already as he proceeded to come out of the parking spot, which is why he hit her in the sideshe did not hit his car ). However, because of the low limits on the policy their wrongful position was irrelevant as the maximum we could get was the {$5000.00}. However, in order to protect ourselves, we entered into a written agreement with XXXX XXXX that as a condition of accepting the {$5000.00}, they would not pursue us for any contribution to their insured or their loss. 

In blatant violation of this written agreement, and the facts giving rise to the accident, I ( who was not even the driver ) received a letter from Wilber and Associates stating that I needed to reimburse XXXX XXXX for the total of the amount they paid to their insured. When I called to explain their error, they unlawfully told me me they were going to have my drivers license suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per XXXX XXXX XXXX. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of XXXX XXXX XXXX  showing.
Product: Checking or savings account

Account was suppose to close at the end of XXXX I received a letter. Subsequently postive funds ntered that account in XXXX. I called the bank and they could not help. 
The information given was that the account had to close before I would receive funds this is a restricted account and no further information could be given. I inquired about when the account would official close and was told this information was not in the file and could not be given to me I asked if I could receive those postive funds which isn't a lot of money, {$300.00}, and was told no I could not get funds from bank branch, Other funds tried to enter that account and failed not sure why these funds were accepted Extremely not pleased with this situation as we are in a pandemic and not working.
Product: Debt collection

I am writing to file a complaint regarding the violation of my privacy rights by the third-party collection agency Diversified Adjustment Services . 

I previously opted out and revoked authorization for XXXX to share my personal information with third parties. Despite this, it appears Diversified Adjustment Services has obtained my protected personal information including Social Security Number, date of birth, name, and address from XXXX and used it without my consent to generate a consumer report. There is a collection account listed on my credit consumer credit report in the amount of {$870.00} listing XXXX XXXX as the original creditor.

I have never had any relationship or transactions with Diversified Adjustment Services. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, consumer reports may only be prepared for specific permissible purposes, none of which apply in my case.

By procuring my personal information without authorization and generating a consumer report without my written consent Diversified Adjustment Services appears to be in violation of : - FCRA Section 1681b - impermissible purpose - FCRA Section 1681e ( a ) - failure to maintain reasonable procedures - 15 U.S.C. 6802 ( a ) - disclosure of private information without consent 18 U.S.C. 1028 ( a ) - unlawful transfer of identification document 18 USC 894- conspired to extort money unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX XXXX XXXX in has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I still have no idea why, but in XX/XX/2021 I got an email from a print shop I used to use saying I had an outstanding balance of {$1500.00}. This is false, has always been false, and will forever be FALSE. 

XXXX XXXX from " VERICORE '' has emailed me and my partner DAILY, since then, despite my efforts to show the initial company very clear proof that I don't owe them any money, and my continued efforts to inform VERICORE that their client has absolutely gotten something wrong. 

VERICORE has ignored all of the material proof I have provided to them to support this fact, only sending nonsensical " threats '' day after day in order to attempt to collect a debt that doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I received a third-party communication from an Experian partner regarding their Credit Check monitoring program. I decided to try their services utilizing their {$1.00} trial. 

On XXXX XXXX at approximately XXXX, I called and cancelled this {$1.00} trial as the service was constantly interrupted, freezing or forcing me to change my password due to some internal error. The agent assured me I would NOT be charged {$21.00} moving forward. 

Since then, I have been charged in XXXX, XXXX, XXXX, XXXX, and XXXX for a product I did not want. That 's {$21.00} x 5 ( {$100.00} ) that I have been fraudulently charged. 

As I transact quite frequently each day, it appears these charges slipped through the cracks. 

I called their XXXX today, XXXX XXXX at XXXX. The representative was rather rude, stating they only give back 1 month. I never authorized 5 months, so why does Experian get to keep my money? That 's consumer theft. 

This type of behavior is why CFPB needs to regulate companies like credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my concerns regarding the improper investigation procedures conducted by ( XXXX, XXXX, Experian ) The methods employed have not been effective in helping me correct the ongoing issues on my credit record, which are significantly impacting my financial well-being. 

I have accounts from another state that are inaccurately reflected in my report, and despite my efforts to seek assistance, I have not received the help I need from the credit bureau. This lack of support and proper investigation is a clear violation of the Credit Reporting Act. 

I urge XXXX to reevaluate its investigation processes and provide the necessary assistance to rectify these inaccuracies promptly. The current situation is causing undue stress and hardship, and it is imperative that these issues are resolved without further delay.
Product: Mortgage

We received the Hamp modificatoin with Citimortgage but Citi never report the Hamp to the XXXX and I try hard to get this process done, so I can apply for the XXXX for my second loan which is XXXX XXXX, they have us in Default. Nevertheless XXXX transfer my loan to Seterus and they are not putting the XXXX mod. in the XXXX. This problem is going on for over 1 year and nothing is being done.
Product: Money transfer, virtual currency, or money service

Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform. Hackers are now able to hack into multiple platforms and steal passwords and phone numbers and Venmo has not taken reasonable action against these activities. 

On XX/XX/XXXX my Venmo account was comprised and hacked. 
I was notified that someone was trying to sign in on my Venmo Account by an email alert. 
I logged into my venmo account to find out that someone had added XXXX additional accounts to steal money from me from my bank account or to defraud others. 

I was able to delete all of the accounts, however when I attempted to close the account, Venmo made it very difficult. 

The account is now open and the password appears to have been changed along with the phone number for the XXXX. 

When I reported this to Venmo, I was sent useless information having nothing to do with the fraud attempt. 

Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fails to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfers

Within the last two years I have used Western Union to wired thousands to my sons living out of state and instantly paid the corresponding fees. On XXXX XXXX, 2016 I wired money plus processing fees through the WU online system. This money was not need by the receiver so I requested a refund on XXXX XXXX but each day WU 's customer service representatives and supervisors refuse to provide that refund. They 've even gone as claiming that XXXX Bank refused to process their refund. This statement is absolutely dishonest as verified by my bank, which confirmed no attempt to refund this money was ever made. Later, I was told a new MTCN number would be provided to me and I can pick-up the refund at a WU location. Each day I am told a new MTCN tracking number would be given and each day I receive the same talking-points stating the tracking number will be available tomorrow. 

Due to change in my financial status, I am now on XXXX and withholding these funds has added to existing financial hardship for me. The public trust Western Union and it 's a sad commentary to know a global organization has such little regard for its customers and business ethics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I sent more letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-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 inaccuracy.
Product: Debt collection

XXXX XXXX sold my medical information to XXXX XXXX, which I did not give my permission for them to give my information and a company can't not give another company my information because of HIPPA Laws and Breech of contract please remove from my repost immediately. I have already told them to stop reporting information on my CRA
Product: Credit reporting or other personal consumer reports

Dear Debt Collectors ... ( See List Below ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors XXXX XXXX XXXX Opened XXXX {$630.00} XXXX XXXX XXXX  Opened XXXX {$740.00} XXXX  XXXX XXXX Opened XXXX {$1500.00} XXXX XXXX XXXX  Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2600.00}
Product: Checking or savings account

CHASE bank took a 'fee ' that had not been approved by me - for {$12.00} because XXXX of my accts didn't have auto-deposit set up. This was arbitrary ; had not been done before and I was not told about. I protested and they refunded it only to do it again in XXXX. So I set up an auto-deposit to this acct at {$1000.00} and asked for my $ back - since # XXXX I was not told about this in all the years I've been there ; XXXX. It was arbitrary and causing financial distress to a XXXX XXXX XXXX ( financial abuse of an elder ; taking $ without approval, knowledge or permission is theft.

Repeated requests for this to be forwarded to their LEGAL dept rather than my going to the media ( surely others are being inappropriately charged = class action imminent ) ignored. Acknowledgement of auto-deps set up to satisfy them - ignored. Explanation as to why this fee popped up after years of NO fees? Never given. It's theft, abuse of an elder/senior citizen, limited income individual with XXXX accounts with XXXX for XXXX decade. Again - I was never asked ; was never informed as to options to avoid this ; I was XXXX XXXX XXXX XXXX escalated to felony 'financial abuse of an elder '
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps adding old information ( collection ) to my credit profile after removing it followed a dispute
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actiors have caused significant inconvenienct and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX all accounts on my report showing negative standings old and new have violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. SECTION 604 A. SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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: Credit reporting or other personal consumer reports

I sent multiple requests to verify unknown inquiries on my credit report during the months of XX/XX/year> and XX/XX/year>. The credit bureaus did not investigate my request properly nor verified that these inquiries were authorized by myself. These inquiries are unauthorized. Im asking the credit bureaus to verify my authorization based on section 609 of the fair credit report act. Verify each and every inquiry or delete from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Quick credit has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.
Product: Credit card or prepaid card

got a call from walmark on a XXXX XXXX didnt order amt XXXX call # XXXX XXXX XXXX on caller id threading w legal action and arrest warrant issue.