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

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Vehicle loan or lease

On XXXX XXXX at XXXX XXXX California time I made contact with Prestige Financial Services Administration Mr.XXXX XXXX, Mr.XXXX XXXX and XXXX XXXX in regards reducing my interest rate under 17 % and my Auto Loan under {$440.00} to {$330.00} a month. 
I can make affordable payments of {$330.00} only as my Financial Hardship has  arise and the cost of living in California doesn't make it easy. 
I tried selling my XXXX XXXX XXXX XXXX that I purchase in XXXX, Texas in XXXX for {$22000.00}, but the value has decreased and Prestige Financial Services wants the whole balance amount of {$18000.00} paid. 
Vehicle is in excellent as I put lots of money to repair mechanical issues, when I purchase on XX/XX/XXXX at XXXX XXXX XXXX in Texas. 
Nobody in the State of California and America will not buy this vehicle from me for {$18000.00}, it only has XXXX miles and well maintained by me as I do n't drive that much. 
I just turned XXXX years old. 
If Prestige Administration will not reduce my payments to {$300.00} to {$330.00} a month and lower my interest of 17 %. 
I will give the vehicle back to Prestige. 
I am XXXX XXXX and Retired. 
I can only make payments of {$300.00} to {$330.00} a month. My Financial Hardship is Permanently just like my XXXX XXXX. 
There is a payment due on auto loan on XXXX XXXX for {$440.00} in which I am not able to pay, but I can pay {$330.00}. 

This is a very Urgent Matters!
Product: Checking or savings account

I have had a savings account with TD Bank for many years. The account balance was {$1200.00}. This money was kept just as savings with very little activity. In XX/XX/2022, I received a paper statement from TD indicating Account Closed, Escheated. I received no advance or warning phone calls or emails or other forms of notification that my account would be closed because of inactivity. 

I had a similar problem with this account several years ago and went to a local TD branch. At that time TD officials committed to set up the account to have a XXXX deposit periodically made to ensure that the required account activity continued to avoid closure of the account and turning its dollars over to the state. Because of these assurances by TD officials I did not thereafter concern myself with account activity. Nor did TD officials ever contact me to alert me that the terms of its original commitment to me had been altered -- and that I must now assume the burden myself of maintaining regular account activity. My reliances on TD Bank 's assurances led to my account being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to fix this problem with them about the hard inquiries the I didnt do even with the other inquiries but I didnt get the results
Product: Credit reporting or other personal consumer reports

Please remove fraud accounts and inquiries Per ftc report attached. Police report on file XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/2023 2023
Product: Credit card

I have been trying to to make my credit card payments for 3 months payments to US BANK and they sending my payments back.I Always have the funds to pay it as I'm typing this i, mon the phone with US BANK again same old transfers from one dept to another. They ruined my credit and everytime I talk to them they say they can, t do anything
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$14000.00} *** KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES ASI DID NOT AUTHORIZE THEM ***
Product: Credit reporting or other personal consumer reports

This letter is in response to all letters, emails, phone calls, or any other mediums of communication From XXXX XXXX XXXX where Ive received notices from your organization. In accordance with the Fair Debt Collection Practice Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all this Cease Communication letter, and in accordance with the Federal Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place.

If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S.C. 1692g, please send me a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am will aware of my rights and know that further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( XXXX ) party that you use to coerce the collection of this debit shall also be in violation of federal law. 
If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureaus, I have submitted multiple FTC reports and police reports requesting the removal of some accounts that were fraudulently open under my Name. You have completely ignored my request after many attempts. You have taken over 30 days to resolve my issues and have also not provided me with an actual investigation other than just saying " we have verified with the data furnisher '' I have been demanding proof and have not received. You are committing a violation which I am protected by the Congress under the Fair credit reporting ACT FCRA. Below I will state my issue one more time! 


I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. XXXX  XXXX XXXX # XXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3.. XXXX XXXX # 517805 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 4.. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 5. XXXX # XXXX XXXX5 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 6.. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 7. 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Debt collection

While in the process of trying to get a home, I discovered that my score was lower than it should be, due to two new collections being reported by Commonwealth Financial as of XXXX 2017. I do n't understand why I would have new medical debts, since I am insured, but I am especially confused by how a company that is n't licensed to collect in my state ( Florida ) can be reporting and verifying debts to reputable bureaus. I have had this issue with the same company in the past ; Commonwealth was apparently trying to collect these same accounts from me about a year and a half ago. I was, luckily, able to have the accounts removed from my credit report after disputing them. But it is very stressful to see they can just continue to report new, erroneous debts whenever they 'd like.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute regarding the bankruptcy reported on my credit report. However, the credit bureau verified the account as accurate without properly reinvestigating the account. I was informed that the information was reported by XXXX, but this is not accurate. After obtaining a copy of my XXXX report, I can confirm that no bankruptcy is listed. I am attaching a copy of my XXXX report showing they are not reporting a bankruptcy. I have also contacted the XXXX XXXX  XXXX and they advised they do not report ANY information to ANY credit bureau! 

If the credit bureau is unable to verify or validate the information as required by 611 ( a ) ( 5 ) ( A ), I request that this account be deleted immediately. The bureau is already exceeded the 30 to 45 day timeline they have to validate this account.
Product: Credit card or prepaid card

Date : XX/XX/2020 Amounts : XXXX It's the annual fee, I agree with that. But the main thing is, I never agreed with over credit limit spending. It caused my credit score to significantly dropped.
Product: Debt collection

Dear CFPB, I am writing to lodge a formal complaint against One Main Financial regarding their use of caller ID spoofing tactics in their debt collection practices. The calls I have been receiving are masked to appear as if they are coming from my boyfriend 's work cell number, a known contact in my phone. This has persisted even after blocking the number and deleting the contact. 

Such deceptive actions violate consumer protection laws and have caused significant harassment and distress. I believe this conduct is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and take appropriate measures to address this illegal activity. 

Thank you for your assistance. 

XXXX XXXX
Product: Checking or savings account

On Wednesday XX/XX/2024 I received my XXXX XXXX check in my checking account in the amount of {$2100.00}. Around XXXX I went to our local grocery store XXXX XXXX grab something. I spent {$21.00}. I also had XXXX take out {$24.00}. I met with my with wife at our local Chase bank XXXX XXXX XXXX, CA XXXX. We were going to see about opening a joint account. When we were called to the counter, we informed the banker what we wanted. She had me swipe my card to verify I already had an account. I DID NOT take any money or nor did I have her move any of my money. The time frame was XXXX. Not even XXXX my accout was negative- {$2000.00}. I called the fraud they couldn't do anything because it was still pending. I went back to our bank spoke to a different teller and she informed me it was a ATM withdrawl and got me in contact with fraud that same day. I spoke with fraud and they mentioned again they couldn't because it was pending. They said call back when it is posted. I did and fraud informed it was an over the counter transaction. I spoke with the branch manager and informed I wanted this taken care and my money back. All they did was give me a runaround. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a document from my bank, stated as followed : No action will be taken and this inquiry is now resolved. 

I am beyond frustrated because I never withdrew my money nor had my money moved into a different account! 

Please Help!
Product: Debt collection

I sent a debt verification letter via certified mail to XXXX. The company received and signed for receipt on XX/XX/2022. The company has not only failed to send me a debt verification letter with the requested information but has since tried to call me once and has sent 3 letters to my home. It has been over 30 days and this point and this company continues to harass me about which a debt they can not provide verification to me.
Product: Credit reporting or other personal consumer reports

Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX. 15 U.S.C 1681 Section 602 A States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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

WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Account number XXXX I am requesting assignment contract regarding account listed above
Product: Credit reporting or other personal consumer reports

I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$98.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

This letter was sent on XX/XX/XXXX. I reached out to the bank again to get a response but to no avail. 

Via FAX : ( XXXX ) XXXX XX/XX/XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Re : Interest Payment for Foreclosure Charge To Whom It May Concern : I am in receipt of Wells Fargos Cashiers Check in the amount of {$1000.00} representing the refund related to the foreclosure process that never took place on my property-. Please see attach. 
The letter states that the check includes {$940.00} for the expenses that I should not have been charged. It also states that the bank compensated me for the time when I did not have the funds of {$70.00}. I sold the house in XXXX. The foreclosure fee earned interest for 8 years ( 96 months ). I had an 8 % interest rate on my property. What was the rate of interest on {$940.00}? And when can I expect the check that represents the interest accumulated for over a 8-year ( 96 months ) period? 
Lastly, I appreciate the {$70.00} compensation, but I know that financial institutions do not compensate anyone for anything, therefore I look forward to receiving the cashiers check from you regarding the amount for the full 8 year ( 96 month ) period representing interest earned. 
Thank you for your time and consideration in this matter. 
Sincerely,
Product: Vehicle loan or lease

someone used my information to get a car without my knowledge or consent I dont or never had a used car from company. this violates my rights and acts according to USC 15 c
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you TransUnion, XXXX, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the results of Identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of credit cards and vehicle loans opened in XXXX, XXXX, and cards from XXXX XXXX. These accounts which I've attached below resulted in several fraudulent collection calls and collections appearing on my consumer FICO credit report. I do not recognize he mentioned accounts, collections as well as hard inquiries. I have also attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, are a result of the identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case.

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX
Product: Credit card or prepaid card

i just recieved my credit report and noticed unauthorized items that shouldnt be reporting my credit profile. this has been a terrible time during the pandemic covid 19 devastation