23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX - Account Name : XXXX XXXX XXXX Account # XXXXXX XXXX - Account name : XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account XXXX XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX - Account Name : XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account Name : XXXX XXXX XXXX  Account XXXX XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX Account # XXXX XXXX - Account Name : XXXX XXXX XXXX Account # XXXX I looked at my TransUnion 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS IN VIOLATION AGAIN ACCORDING TO 15 U.S. Code 1681b - Permissible purposes of consumer reports BY UNLAWFULLY FURNISHING CREDIT BUREAUS MY INFORMATION THATS NOT PERMISSIBLE BY LAW ACCORDING TO 15 USC 1681b WHICH NONE OF THESE LAWS BELOW GAVE XXXX XXXX THE RIGHT TO PROVIDE MY INFORMATION TO ANYONE OTHER THAN MYSELF a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

CREDIT BUREAUS COULDNT GET MY INFORMATION WITHOUT MY CONSENT UNLESS XXXX UNLAWFULLY PROVIDED IT TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with Discover Bank and paid an {$800.00} deposit, which became my opening balance. I used the card for minimal purchases and made timely payments. I used my card at a gas station, where I believe my credit card information was compromised after seeing a series of charges for purchase I did not make. I disputed the fraudulent charges when I learned of them. In the meantime, Discover Bank did not take any steps to ensure my information was not being disseminated and used. Discover Bank also made the unilateral decision to close the card because I was the victim of identity theft and fraudulent charges were occurring. This card was opened to help me XXXX XXXX and in the end it made it worse. They closed the card which resulted in a declined XXXX XXXX because the account was only months old. And they reported late payments when payments were never late. When I learned of the negative reporting history I contacted discover card. I was told that they no longer keep records after 2 years and they could not provide me with a copy of the records nor could they pull up any records related to this account in their internal system. However, I did have copies of all of my statements and attached them to each my dispute with XXXX. XXXX opened my dispute and submitted it to Discover Bank. The results were unchanged and Discover Bank reported that the negative history was accurate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Most recently a dispute was opened on XX/XX/XXXX at around XXXX, by the next morning the dispute was completed and against Discover Bank was reported to have responded to my dispute, verifying the negative history as accurate despite not having any records to provide or reference. When I called Discover bank on XX/XX/XXXX to ask about this and speak to someone who could provide information as to their process for responded to credit report disputes. I was told there is no one that I can speak to. Discover Bank should be ashamed that they continue to be adamant on ruining someones credit history without any proof. This is a violation of my rights under the fair credit reporting act. They are causing harm to me. If the CFPB is unable to assist in resolution, I will be commencing litigation against this deceitful bank.
Product: Checking or savings account

I was recently scammed out of {$12000.00}. I was looking for a remote job where I could work flexible hours. I was contacted by someone who said they worked for XXXX XXXX. I was given the job after a remote interview through the XXXX app. I was told I would be sent a check to purchase the laptop, software, and other items I needed for the job. The check was being mailed to me so I could prove my trustworthiness to the company. I was sent a check for {$3800.00}, which I cashed on XX/XX/XXXX, at one of the Truist branch locations. There was never a hold placed on the check that I deposited, despite hardly ever depositing checks and never depositing a check of that amount before. I then sent the money via XXXX to one of their supposed vendors. I was then sent a second {$8900.00} check, which was again cashed on XX/XX/XXXX, at a Truist branch. Again there was never a hold placed on the money despite me never cashing any checks. I then sent the released funds via XXXX, XXXX, XXXX, and money orders I obtained from Truist and mailed them via XXXX. Then the checks came back as returned. It took me several phone calls even to be able to file a fraud claim. 

I have the names and information of the individuals I sent money. I have all of the chats that told me how to send the money from the checks. I even have two additional checks that I was sent. 

I received a letter on XX/XX/XXXX, stating that my fraud claim had been denied because I authorized the transactions. Yes, I authorized the transactions at the directions of the fraudsters. 

I received a letter on XX/XX/XXXX, stating that Truist is closing my account and have seven ( 7 ) days to make my account XXXX. If I do not, the money charged off will be reported to my credit. Truist has already taken over {$3000.00} from me to pay back the {$12000.00}, which meant that I could not pay my rent or my credit card bills. Now I am being told that because I will not be able to pay the {$9800.00} to bring my account up to XXXX, that {$9800.00} will be charged off, and the charge off will be reported to my credit. 

So not only was I victimized by the fraudsters, but now Truist is telling me that there is no way to get my {$12000.00} back, but they are also going to victimize me by reporting the charged-off amount to my credit report. 

I have been a customer of SunTrust for over a decade and have never felt like I did not matter. SunTrust was always there to help me through everything. After this merger with BB & T to Truist, the bank has gone downhill, and I will not be referring Truist to anyone.
Product: Checking or savings account

Several transaction posted to my account which were not authorized or duplicates. I contacted the bank to dispute these which was done without issue. I was informed by the bankers loss prevention department on this day XXXX XXXX that the bak placed a freeze on the account to keep it from going more negative and I asked if the account was being closed. They said no it was not and to call back once the disputes had gone through and any remaining negative balances were resolved and that the accounts would be unfrozen, no issues. Cash was deposited today to cover any remaining amounts overdrawn and to cover an outstanding check that was written. The bank gave me to run around for several hours and refused to release to hold on the account, even to give me back the cash that was deposited just hours before. One branch manager at the XXXX XXXX XXXX XXXX XXXX named XXXX refused to help me and told me I needed to leave when told that I would be contacted the CFPB if this was n't resolved. The bank is still refusing to release to hold or release my funds and the banker I worked with before the mananager told me he did n't know when, if the funds would ever be unfrozen.
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX for Fraudulent and Inaccurate Reporting I am filing this complaint against XXXX for reporting an inaccurate and fraudulent account from ConServe ( Continental Service Group , Inc. ) on my credit report. This account contains numerous errors, violates multiple federal consumer protection laws, and has not been properly validated despite my efforts to dispute it.

First, the account was fraudulently opened using my personal information without my knowledge or consent. I have no contractual agreement with ConServe, yet XXXX continues to report this account. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to ensure the accuracy of all information they report, and ConServe has failed to meet this obligation. Furthermore, they have not provided an original signed contract or sufficient evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

Second, XXXX has violated its obligation under FCRA 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy of consumer credit information. The account contains multiple inconsistencies, including discrepancies in the date of last activity, date opened, and account status. Additionally, XXXX has marked the account as disputed but continues to report derogatory remarks without conducting a proper investigation, as required by FCRA 1681i ( a ). This ongoing failure to investigate and correct inaccurate information is a clear violation of federal law. 

XXXX is also in violation of FCRA 1681c ( a ) ( 3 ), which prohibits the inclusion of disputed or unverifiable information in a consumers report. Despite being notified that this account is fraudulent and unverifiable, XXXX continues to report it, further compounding the harm caused to my credit profile. By facilitating ConServes actions, XXXX is enabling a violation of FDCPA 1692e, which prohibits false, deceptive, or misleading representations regarding a debt. 

I demand the immediate deletion of this fraudulent account from my credit report. XXXX must cease reporting any information related to this account unless it can be fully validated with an original signed consumer agreement. If XXXX fails to resolve this matter promptly, I reserve my right to seek legal action for damages under the FCRA and FDCPA. This includes pursuing statutory and punitive damages for XXXX continued noncompliance with federal laws designed to protect consumers from fraudulent and inaccurate reporting. 

Equifaxs handling of this account has caused significant harm to my creditworthiness and financial well-being. I expect immediate corrective action to address and resolve this issue. 

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

Upon checking my credit report on Equifax and XXXX credit reporting agencies. I noticed some inaccurate accounts reporting adverse credit information thats not even actually true. Such as follows : on XX/XX/XXXX card ending in XXXX my account balance was {$7.00} but the credit bureaus changed my account information to {$460.00} which is a complete lie for XX/XX/XXXX and caused my score to go down by about XXXX points which is very strange this happened while Im in the process of possibly buying a new home. I contacted my credit company which is XXXX  XXXX and they advised me that they are not the ones updating this adverse information they stated please dispute with the credit bureaus for this is not reported by XXXX  XXXX card service department. Attached will be a copy of my XX/XX/XXXX XXXX  XXXX credit card statement please update and correct thank you for your understanding for this adverse information is hurting my chances from obtaining credit!
Product: Bank account or service

I have a checking and savings account with Chase Manhattan Bank. My brother is my Power of Attorney ( POA. ) I have a durable POA, Chase will not accept this form - they want their own form/individual form to be completed. I will do that - but they require it to be completed by us together, at a Chase branch. 

My brother and I live in different states. Chase said the only way it can be done is if we go to the branch together. If he lived in XXXX, is he supposed to travel here to go to a Chase branch with me? 

This is a ludicrous. Every other bank I do business with either has a form I can print at home and have notarized, or will send the form to me. I can have my signature notarized, mail the form to my brother, and he can get his signature notarized. We do not have to go to a branch together. 

I contacted the bank twice, and got the same useless response from them. 

I have gone to my local branch several times to get something notarized. They did not have a notary. IF my brother comes here and we go to the branch together, if they do n't have a notary, they ca n't process the form. There has got to be another way to get this completed.
Product: Debt collection

The first they called me they asked me for my 4 digit social security and i didnt give it to him. The guy cursed me out, got rude, and threatened that my credit was going to be reported if i dont pay. Then they called my mom and said the same. When she said this isnt his number they said they dont care and they was going to call me untill they got a hold of me. Before that call i caller then 4 times and told them to take me off a do not call list. They are still harassung me and i has to block them. I see they reporter in my credit card reporting but makes no sense. I paid XXXX XXXX everything owed and there telling me that i have to pay them no XXXX XXXX. That makes no sense. Please help me review this these guys are harassing me and my mon and threatenung ne after tellin  the to leave me alone. I told him i know my rights and they still dont care. One more thing they call from different numbers. My mom owne a busineee and they call her there.
Product: Credit card

I closed a credit card during a divorce proceeding that was a joint account with my XXXX in 2018 with Navy Federal Credit Union. As the card was her responsibility I have not looked into any of the charges after the card was closed. Recently, I was reviewing all of my accounts and noticed that this card was getting charged for an insurance protection plan, which they currently no longer offer due to all of the problems they had with it, according to one of their managers. When I read into the insurance protection term of service, it clearly states under the " General Provisions '' section that we would be terminated from the program immediately when the account was closed. I called the bank and informed them of the error and the manager I spoke to, who also read the terms of service, agreed and sent a note to have the charges removed dating back to the closure of the account. Now, a few weeks later, I call back to find out the status and they are saying that it doesn't automatically cancel until I point out in the terms of service. Once their employee actually reads the disclosure, they agree and say they will send a message to the " right department '' to see " IF '' they can process the refund according to their own policies. The employees refuse to have anyone from said department contact me, I am not allowed to contact them, and it will take an undetermined amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX XXXX # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX Debt XXXX XXXX XXXX XXXX XXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX
Product: Checking or savings account

I used my Paypal account balance to pay for an account transaction of {$100.00}. My paypal account balance is {$340.00}. Paypal deducted the money for this transaction out of my private linked bank account without my authorization instead of using the funds in Paypal.
Product: Credit card or prepaid card

I visited XXXX XXXX, XXXX XXXX on XX/XX/XXXX-XX/XX/2018. On XX/XX/2018 my account info was hacked/stolen. I wasn't aware until my return on XX/XX/XXXX that my PNC account was compromised. I contacted the bank, that day, filed a claim, and requested a new card. I contacted PNC again on XX/XX/2018, because 1. I have heard nothing else about my claim 2. I have not received my new card. 

It was then that I was advised by the claim specialist that my file was closed because it has been determined that I was responsible for the charges. When I asked the person how that determination was made, I was advised that because I purchased a plane ticket to XXXX XXXX prior to this incident, and the card was present, I was responsible. I advised the rep that I travel all of the time, this has never happened, and as they can see these transactions ( 2 separate ) are not normal for me, and that the 2 transactions, same day, same location for {$26.00} and then {$870.00} should have been a red flag. I offered to provide documentation from other card providers who sent a tex/email then declined charges once unable to verify. The end resolution was the rep advising me to open a new claim-and wait another 10 days.
Product: Mortgage

My mortgage was recently purchased by PHH. I was on a bi-weekly payment plan with my previous mortgage provider and was told in no uncertain terms by my broker that the terms of my mortgage can not change with its sale. PHH does not support a bi-weekly amortization schedule, and I 'm furious. In order to purchase my mortgage, they have to support this do they not?
Product: Debt collection

On XX/XX/2019 XXXX XXXX XXXX  assigned my mortgage note to LOANCARE , LLC without my consent to do so. Since XX/XX/2019, LOANCARE , LLC has continued to ask for payment for an alleged debt. I am a veteran buying my first home and the mortgage company took advantage of the fact that I was unaware of their constructive fraud giving to me in a contract. That is a violation of the FDCPA [ 15 USC 1692 ( e ) ]. I have disputed this debt for by the rules of the FDCPA, TILA, UCC, and the company still chooses to provide negative statements to my credit report. Willingly and knowingly providing false and misleading information is direct violation of congress. I did not sign a contract with LOANCARE , LLC. I made no agreement with LOANCARE , LLC. My note was given to the company by way of Identity theft for the securitization on my note. This is an unauthorized use of my SSN and personal identity upon the company. I have been harrassed by LOANCARE , LLC. They have left notes on my door, claiming that I am the borrower and I need to call them. The term borrower is not defined in the FDCPA, and that is because I am the creditor. I am the one who extended my credit through the note and these companies are playing with. At one point the company had an attorney contact me claiming that I owed an alleged debt to LOANCARE , LLC. There are no attorneys. Then the communication stopped. The actions taken by this company has caused me a great deal of stress, financial burdens, and hardships. I have taken the action to bring LOANCARE , LLC in suit for their direct violation of these laws of congress [ 15 USC 78ff ( a ) and 15 USC 1692 ( e ) ( 3 ) ].
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number XXXX