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

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. According to 15 USC 6801, " It is the policy of 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 personal information. '' The Synchrony Bank qualifies as a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states that " Any consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. '' Neither the financial institution Synchrony Bank nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to share this information, as I have not provided any written consent. All prior consent to XXXX, XXXX, and XXXXwhether verbal, non-verbal, written, implied, or otherwiseis revoked.

15 USC 6802 ( b ) ( c ) specifies 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. '' I was never informed of my right to exercise this nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of cr
imes, which antedates the report by more than seven years. '' The adverse item reported by the consumer reporting agencies without my permission is against the law.

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e requires that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. '' XXXX, XXXX, and XXXX are failing to maintain reasonable procedures. 

Finally, under 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services regarding the referenced account Synchrony Bank / Rooms To Go Account # XXXX which was opened in XX/XX/2022. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

In XX/XX/XXXX, fraudulent charges were made to my account, which were disputed. Navy Federal Credit Union has made me responsible for these charges despite my efforts filing a police report and fighting the charges with the creditor. Navy Federal opened a new checking and savings account afterwards to which I have been using for over almost 2 years. I deposited a payroll check on XX/XX/XXXX, which was a temporary check from my employer until he received more business checks. The check was marked as fraudulent but I discovered that it cleared after receiving a statement in XX/XX/XXXX. After many calls to NFCU, I was not allowed to speak to security, my account access has been barred, my account was placed into deposit only status, and I now am responsible for paying off the former account before I can access any accounts. Nevermind the fact that I have to transfer funds to my XXXX child in XXXX  across the country, ca n't use my account for normal reasons, paying bills, getting gas, ect., having disconnect notices for utilities on the table and the only branch is a 2 hour round trip for me. NFCU has made my life a total living XXXX WRONGFULLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX OF XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax carelessly mishandled my information, opening themselves up to a breach that has placed myself and millions of others at risk of having our identities stolen. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notice and only became aware of this from articles shared on social media.
Product: Credit card or prepaid card

I applied for a secured card with XXXX XXXX. They charged me {$300.00}, and I never received the card. Now my bank says someone is trying to access my account and I need a new bank debit card. I called XXXX XXXX at XXXX in the afternoon and the voicemail says the service center is closed. I cant log on online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 disputes on XX/XX/22 then again in XX/XX/22 via certified mail which were both received and within that dispute packet I included my identity verification docs, a police report from XXXX XXXX Police department because there were some accounts on my credit that I had no knowledge of, as well as errors that needs to be removed IMMEDIATELY! 

All the accounts that were listed on my police report remained the same with XXXX. The other 2 bureaus found there were fraudulent and also fixed the errors. 

This is my third attempt to get XXXX to thoroughly review my credit report and remedy the issues, or I'm going to have to pursue legal actions because they are not abiding the FCRA laws. 

I will continue to document my efforts until these fraudulent charges and errors are removed.
Product: Credit reporting or other personal consumer reports

Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. XXXX XXXX has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called XXXX XXXX and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. XXXX  XXXX is now saying I'm not the account holder. I will next file a complaint for fraud against XXXX XXXX.
Product: Debt collection

XX/XX/year>. Messerli & Kramer PA acting on behalf of XXXX XXXX XXXX XXXX placed a garnishment on bank accounts without proper notification. Furthermore, 1 of the 3 accounts is a business account under its own XXXX and another of the accounts is a joint account. Joint account is used solely to pay the mortgage of my family home. A claim of exemption was filed both with XXXXXXXX XXXX  XXXX and with my financial institution ( XXXX XXXX XXXX  ). XXXX XXXX Bank claims that a release is needed from XXXX XXXX XXXX, and XXXX XXXX XXXX stated it will take, and I quote, " at least XXXX hours to review ''. I find this to be unacceptable both on the part of XXXX XXXX XXXX and on XXXX XXXX XXXX.
Product: Checking or savings account

Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies. 

This was the previous complaint that I made to Robinhood who evaded answering all of the questions that I demanded. These included questions regarding XXXX XXXXXXXX XXXX me while I was struggling to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a false deceptive and misleading representation in the contract that NFCU is claiming that they loan me credit which has now lead to a billing error for statement of XXXX XXXX, 2022. The deceptive language has violated my consumer rights under the truth in lending act. They are also reporting late payments which is also a violation of my consumer rights pursuant to 15 U.S.C 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was devastated to see a late payment show up. Surely this must be a mistake
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Checking or savings account

A lot of Overdraft charges were piled on and my accounts were closed.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Bank of America, I hope this message finds you well. Upon reviewing my credit report, I was alarmed to discover an account listed under my name as an " Authorized User '' that I never consented to or had any involvement with. According to the report, this account was opened on XX/XX/year> and is currently marked as Account relationship terminated. This account, which includes charge-offs and late payments, is not mine, and I have never authorized being added as an authorized user on any such account.
Product: Debt collection

Someone keeps calling me and leaving voice mail messages IN XXXX. I DO NOT SPEAK XXXX. I SPEAK ENGLISH ONLY. However, the messages included the words, UNITED COLLECTION BUREAU , INC My current credit score is XXXX points. I HAVE NO DELINQUENT ACCOUNTS, nor have I EVER had a delinquent account. I'm a RESPONSIBLE PERSON. I PAY MY BILLS ON TIME!!!

UNITED COLLECTION BEREAU IS CONTACTING ME WITH THE INTENTION OF FORCING ME TO PAY A DEBT THAT IS NOT MINE, AND THAT I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I am very concerned. I recently updated some information on my credit file with TransUnion and XXXX during the months of XXXX and XX/XX/XXXX. 

Now 2 weeks later, there are HARD INQUIRIES on my file for both credit reporting agencies : 1. TransUnion a. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed an Identify Theft Report # XXXX on XX/XX/XXXX, which is attached. I also called both CRAs to have this information removed and they have not removed it yet. 

I DO NOT have a State ID or License, my passport is attached.
Product: Credit card or prepaid card

My chime account was hacked and they closed my account chime will not replyback..I did not close my account
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MAS Financial claims I owe them for lapse of insurance. I have provided them with my policy from last year and this year ( renewal ) and it shows no lapse in coverage. Their machine calls me at least 4-6 times a day. When I do speak to a representative they confirmed they have received my documentation and is under review. Their machine still calls me and when I asked them about it they said it was a machine and they will take care of it. Needless to say calls are still coming is and is very annoying.
Product: Mortgage

Lender failed to discharge the mortgage after it was paid off more than a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX Balance : {$64.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00}
Product: Credit card or prepaid card

After I reported an unauthorized charges on my credit card, company decided to close my account without my knowledge. I reported several times that there is no any possible way fro me to access the card online to make a payments and there was no any response.
Product: Checking or savings account

There's a problem with authorizations not being credited back to the account. Also, multiple charges from XXXX & XXXX for subscriptions that are unauthorized and duplicative.
Product: Debt collection

I have been dealing with identity theft since XX/XX/year>. This morning, while attempting to print a photo for one of my twins ' presentations that went to the spam folder, I saw about 5 emails from XXXX XXXX XXXX. XXXX email stated, " Final Warning. '' My computer indicated I should not open the file, so I did not click any links. However, I glanced over it to get the gist. It indicated I owed $ XXXX in funds from a loan from Speedy Loans and listed a myriad of violations. I have never heard of such a company, nor have I opened any accounts with them. Almost daily, I receive texts from companies indicating I am approved for loans I have to send a message that I have not applied for any loans. Do not accept any applications. I am a victim of identity theft it is fraudulent. 

I need help cracking down on this. My credit score has plummeted since all of this has occurred. I need local and federal authorities to assist in finding this group ( it is definitely a secret coup ) who is stealing my identity and wreaking havoc on my credit.
Product: Checking or savings account

I went to the Wells Fargo branch located XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX There is branch manager Name : XXXX XXXX NMLS ID : XXXX XXXX Mangers stop cashing my check with bed behaviour even I have money in my account I deposited {$10000.00} check over the bank app my check cleared and there is no hold in my app showing I have available balance more then {$9000.00} dollars and I am trying to cash withdrawal {$9000.00} but she stop cashing my check telling me your check is hold but I telling here look my bank app there is no hold on check I have available balance but she said bank give you as courtesy you can only use atm shopping you cant withdraw I said what? Why I cant withdraw if bank trust me but said go offline and go back online she fix my account on her computer to bring my courtesy balance drop she is over smart and races manager and all in branch not help full I drove the car more then 1 hours where I live I dont Wells Fargo branch near me I will get my money anyway but I need it today I request please take action against here if bank rules and regulations let you withdraw money Who the XXXX is XXXX XXXX IF YOU NOT TAKE ANY ACTION AGAINST HER I WILL TRY TO FILE CASE AGAINST HER I HAVE SCREENSHOTS AND ALL PROOF THANKS
Product: Student loan

I have multiple loans with Navient. The problem due to having multiple account open, as well as being enrolled in IBR, the online system makes it difficult for me to pay the allotted monthly payments. It continues to show that I owe more then what I quality for using IBR. When I made contact, most of the providers don't know how to solve the problem, and there responses have been more confusing. They have said I should consolidate my loan through, however failed to mention that if I do that I will not be able to carry over my years of successfully making payment under IBR, for loans forgiveness after 20 years. I have also accrued late fees and payments that are confusing to me, given that I have been on IBR repayment, and there is not clarification how to stop these from accruing. I also have no support in learning how to renew for IBR, and are not provided with yearly updates. I am currently in Forbearance and do not know why, given that I am under IBR.
Product: Debt collection

I bought a phone through XXXX XXXX XXXX XXXX and set up payments with XXXX XXXX the phone company in charge of the loan. This account never got paid and no one reached out to me to alert me of the delinquent payments. No attempts were made by XXXX XXXX  to contact me and no attempts from security credit services ( the debt collector ) have been made to contact me. By the fair credit reporting act this is unlawful and should be removed. I should also be given a fair chance/ ability to contact my debt collector to remove this from my reporting. This action is the most deceitful I have ever seen considering they also state the account was made XX/XX/XXXX yet I made this account last year in XXXX XXXX.
Product: Credit card or prepaid card

We have had a long list of Fraudulent charges on our Barclays MC that ends in XXXX and the card is not taking any phone calls regarding suspected fraud. We can not resolve charges with a merchant who is Fraudulently charging our Master Card unless Barclays ' will help. 

We gave permission of {$6.00} only to XXXX but they have other companies that are running Fraudulent charges on our card. Here is the whole list : BARCLAYs CARD DISPUTE for XXXX XXXX. Card Ends in XXXX XX/XX/2020 XXXX {$89.00} FRAUD XX/XX/2020 XXXX {$89.00} FRAUD XX/XX/2020 XXXX  XXXX {$89.00} FRAUD XX/XX/2020 XXXX XXXX {$89.00} FRAUD XX/XX/2020 XXXX XXXX {$6.00} FRAUD XX/XX/2020 XXXX XXXX XXXX  XXXX OK
Product: Debt collection

I paid a debt back to XXXX XXXX through Hunt and Henriques over a period of 5 years. I just received a letter stating they are filing a lawsuit against me. The original debt was XXXX according to my records, and I have paid that back, plus. On several occasions I asked for information on the original debt along with payment history. In 2016 I was given a very basic printout. I continued to make several payments until the the balance was paid. I never received mail, or telephone calls from Hunt and Henriques until I just received a legal threat. I have phone records to prove they have not contacted me by phone, and I have lived at the same address for 16 years and this is the 1st mail I received from them since the basic printout in 2016. They never contacted me regarding any balance on the debt or otherwise. I believe this collection agency is being unethical and pursing questionable tactics in regard to my account.
Product: Debt collection

I asked for verification of this debt by certified mail. I also asked them to send me a signed contract between LVNV/Funding/ Resurgent, but they have not supplied me with this information. They do not have a legal right to ask me to pay any bill that was not initiated by contract between this company and XXXX XXXX. It has been more than thirty days since my request.