23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was monitoring my credit report the past week when a collection report showed up on my credit report of an unknown company I've never heard of, to look into that I reached out to the credit companies to find out it was a utility company based in Texas called XXXX. They tried to collect a bill by my name on their account which I believe my identity is stolen because I live in Oregon and have never live in the state of Texas and do not know anyone living in that state. Therefore my credit is currently damaged by this collection. I've reached out to XXXX and a customer service has insist I file a police report and also report on XXXX which I am doing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXXt Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address serious violations committed by US Departament of Education XXXX, XXXX and XXXX regarding the illegal reporting of my student loan information. 
Violation of Family Educational Rights and Privacy Act ( FERPA ) Under FERPA, schools are required to have written consent from a parent or eligible student before releasing any information from a student 's educational record. I have never provided any written permission or contract authorizing [ Creditor Name ] or XXXX, XXXX and XXXX to disclose or report my educational records. 

FERPA only permits disclosure without consent in limited circumstances ( 34 CFR 99.31 ), such as : * To school officials with legitimate educational interest.

* To comply with judicial orders or lawfully issued subpoenas.

No such circumstances apply here. If [ Creditor Name ] believes I provided written permission, I formally request that documentation pursuant to Rule 1002.

Violation of 15 U.S. Code 6801 - Protection of Nonpublic Personal InformationXXXX XXXX XXXX XXXX have violated federal law by failing to safeguard my nonpublic personal information, as required under 15 U.S. Code 6801. This statute imposes an affirmative obligation on financial institutions to protect the privacy, security, and confidentiality of customers records. Specifically : 1. You failed to secure my records and protect them from unauthorized disclosure.

2. You unlawfully furnished my private educational records to credit bureaus like XXXX, XXXX, and XXXX, which have experienced multiple data breaches. 

Identity Theft Under 18 U.S. Code 1028A Your unauthorized use of my private educational records amounts to identity theft. Under 18 U.S. Code 1028A, it is illegal to knowingly use a means of identification without lawful authority. By reporting my student loan information without permission, you have violated my rights and caused significant harm to my creditworthiness and personal reputation.

Impact on My Life Your unlawful actions have caused severe inconvenience and harm to my life, including : * Denial of credit applications. 
* Adverse actions that have affected my financial stability, reputation, and overall quality of life.
Product: Checking or savings account

I have provided all necessary documents at least 3-4 times this year and 1 last year. I have had to make 3 different accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they have blocked all access to all 3 accounts after I sent in the required information all 3 times. In this case it is a form of retaliation and I ask that this matter be looked into.
Product: Debt collection

I have contacted XXXX XXXX XXXX XXXX about a debt from Comenity Capital Bank about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$400.00} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a XXXX part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.
Product: Credit reporting or other personal consumer reports

The company has not given me the requested information, they are no longer responding to me to provide debt validation and purchase agreement for alledged debt.
Product: Checking or savings account

On Monday XX/XX/2024 I received a phone call from " Wells Fargo '' per the caller ID. 
I was concerned there was an issue with my account so I took the call. The gentleman on the line to me there was attempted fraud of {$17000.00} on my account. He would work with me to reverse the issue. The caller for one called with Wells Fargo on the caller ID and knew that I had a Wells Fargo bank account. He walked me through various steps on the mobile app that I was not aware even existed. All of a sudden the call dropped. I called back Wells Fargo at the same number that called me. They advise that there was {$3900.00} wired out of my account. They opened a fraud case as I was flipping out at that time. They told me not to worry, they would open a fraud case. That amount taken would wipe out my bank account while I had already sent my payment for my car and mortgage. 
My boss gave me a check from his account for {$4000.00} to cover my account while the bank worked on getting my funds back. The next day, I see the check had not cleared and I was advised that they were holding the check due to the signature for one full week. I called the bank on that day and the next. I filed a complaint with the bank and was advised I would hear back within 2 business days. A week later I still never heard anything from my bank regarding the complaint. I called again to have the fraud case expedited and was then told they closed the fraud case two days later. They are not refunding anything. They have no fraud protection for their customers. I will be changing banks as soon as I receive my taxes as they are going to that account. I truly feel the fraud was inside job as stated they called from Wells Fargo and knew about my account with them. I would appreciate any assistance as I work paycheck to paycheck and Wells Fargo could care less about their customers. I can not afford to just throw away {$3900.00}. I have not heard anything back from the bank and they can care less. I was advised the same thing happened to someone else in my community and they did get their money back. This is not the first time that Wells Fargo has not assisted with fraud and or XXXX XXXXssues. Again, if they are not going to stand behind these issues, they should not offer those services. I would really appreciate any assistance.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/year> my card information was stolen and fraudulent charges were made. Those charges resulted in my account over drafting so money was removed from my savings account to cover the charges from my checking account. The amount used to cover totaled {$650.00}. On XX/XX/year>, the individual responsible for stealing my information was arrested and charged on 6 felonies. It is now almost XXXX and Bank of America still has yet to refund me this money. They have all of the information needed including the final police report stating the individual was arrested. I have called on multiple occasions and spoke to many different representatives who only say I will get the refund once the investigation is closed. What investigating is left to do and where is my money??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
Product: Debt collection

The date of XX/XX/year> I purchase XXXX product from bestbuy online there is 0 % interest for 24months I never know the promotion ended by XXXXThey don't give me any notification before the promotion ended by text call email or mailing when im checking to my credit status and they are simply added to charged the interests on my credit account {$1200.00} I don't have the money to pay for that kind of unauthorized billing.Thank you
Product: Credit card

I am formally disputing a fraudulent account that appears on my credit report. Upon reviewing my credit file, I noticed an account with the following details : Creditor/Account Name : CCBXXXX Account XXXX : XXXX Date Opened : XX/XX/year> I did not authorize the opening of this account, nor do I know about this credit card. I believe this account was opened fraudulently using my personal information without my consent. 

I am requesting an immediate investigation into this fraudulent account. 
Remove this account from my credit report. Written confirmation that this account has been removed and the dispute has been resolved. 

Under 15 USC 1681, the information is inaccurate
Product: Debt collection

After review my credit profile on XX/XX/XXXX Identified a discrepancy with account listed under Williams Rush & Associates LLC and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect in my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and second validation letter is send out this day. After reviewing credit report again on XX/XX/XXXX ( This account is involved in litigation ), there have been no updates and account is still reflecting in the report. I do not believe the account belongs to me nor do I believe that creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credits bureaus until adequate validation has been received proving this account belongs to me and all information is correct.
Product: Credit card

The company has reported the amount of {$90.00} was written off but I did not receive a form 1099-c from the company. It is still a negative remark on my report.
Product: Credit card

I placed a Capital Credit Card application at the beginning of XX/XX/year> thinking it would be a simple process with a great credit score, I would receive the credit card in no time.

Capital One disregarded the information I placed on the application form even though that is how they checked the information whether to approve or not approve the application and used old/inactive account information instead. The old checking account was opened 10-12 years ago with Capital One. It was not active nor did have the current address or current last name. But for some reason, the credit card was issued to that checking account information and was sent to that old address with the wrong last name.

I contacted Capital One and talked to 10 people for 2 weeks to get them to update the information for the new credit card. As you can imagine, I was providing my full name but they were not seeing it because all they had was the old information. I had to provide my driver 's license, get text messages to get them to see who I was, etc. 

How can you approve a credit card application if you are not looking at what is on the application form? How can you tie a credit card application to an old account thinking that would be fine? and yet going through the hassle and explaining the situation Capital One employees had been the worse! Every call needed to repeat the situation over and over again, every call needed to provide who I was etc. 

I have never experienced such a pain in my life during a credit card application as I have over XXXX XXXX XXXX and no issue getting approval. 

If you are not using the information that is being placed on the application form, how are you approving a credit card? with what information is based on?
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXXXXXX  SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX TO ALL CREDIT BUREAUS. This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Equifax AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 years I have been sending letters to XXXX, Experian and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.
Product: Credit card

I opened a business checking/savings account in 2011 with Wells Fargo and they were using a credit card for advances without telling me. I could n't even see the card or the card account information on line. After a couple years I went in and told them they had charged me {$160.00} for {$150.00} in advances and I told them it was n't fair and asked to get the {$160.00} returned but they said they would n't so at that point I closed my account and moved to another bank.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. 

That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

In XXXX I was on holiday in XXXX. I opened a bank account in USBank. 
opened a checking account and savings account, because I wanted to have a credit card to do online shopping from XXXX, as XXXX 's credit card would charged way too big taxes on purchases in foreign currency. 
Opened a checking account and deposit XXXX and XXXX  XXXX on a savings account. 
A month later, go them closed with no reason. 
Received a check for the savings account and cash it. but the Savings account check arrived late and never cashed. when back home try to contact the bank several times and waiting on the phone was super expensive from XXXX. 
I visited a branch XX/XX/XXXX when travelling to XXXX, the one nearest to XXXX. 
spoke to the manager, she was almost an hour talking to someone from some department in USBank. She took copies of my passport, I showed her the photo of the check and she confirmed the check has not been cashed and was still good to use. But I did not have it as it was deliver to the address on file at the bank, my friends place in XXXX. He misplaced the check. I have been waiting for that check since. The manager from that branch never answered my emails and when i called the bank they say they can't pull up my account because its closed! i gave them the savings accounts and can give them photo of the check but no-one takes responsibility. last week I contacted one more time to the person who opened my account cause she remembers me and she is trying to get any info but she is leaving on maternity today XX/XX/XXXX. She said she copied her branch manager. 
this is getting really complicate and I just read about this agency that could help me. 
Would like if possible to to get that check mailed to me in XXXX, or be waiting for me if I decide to go via XXXX to XXXX. Or even send it to my friends place, same address I gave the bank when I opened the account. 
Thanks
Product: Credit reporting or other personal consumer reports

Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am the creditor of this consumer transaction in which this debt is arising and I understand that I need to be compensated for these damages listed below. 

To whom it may concern XXXX XXXX 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows Trans Union, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX  and was not using the card. The bank was still charging me yearly fee 's although they told me they would waive those fee 's. Upon seeing that I was late, in XX/XX/XXXX I called the bank and kindly explained that i was under the impression that I did not have any charges on that card. I paid the overdue balance and asked them to remove the late reporting. I requsted to cancel the card at that time and they sent me to an account speclist that asked me not to cancel, and further promised that they would remove the late reporting and will continue to waive my yearly fee 's. 
In XXXX XXXX XXXX XXXXXXXX i saw that i was late again and went through the same issues, however they told me they would remove the late reporting. I saw that the may reporting was not removed either and had requested it be removed again due to the circumstances and promise that was made before. 

In XXXX of XXXX, i applied for a mortgage and i saw that it was still reporting late on my credit. I called again and the lady on the phone said that in 7-8 business days they will report correctly to the bureaus that I have no lates on those dates. 
I called back again in XX/XX/XXXX to confirm if they removed the lates and if they can send me a credit letter confirming i no longer have lates in XXXX or XXXX XXXX. They told me that they did not receive the request and that they are unable to remove those lates without investigation. 

I have reference numbers for the recorded calls. As a consumer, i have been promised by this company several times that they would remove the late reportings, and they have prevented my from closing my account until i really pushed. This late reporting is negatively affecting my credit and my cost to borrower money
Product: Credit reporting, credit repair services, or other personal consumer reports

there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in XXXX  for 2 years during this time and they refuse to remove it