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

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach. 

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. 
XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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.

15 U.S.C. 1681B ( 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: Bank account or service

My account was closed by Wells Fargo. Before informing me that they were closing my account, I deposited XXXX checks using at a Wells Fargo atm. The checks were NOT processed by Wells Fargo, and were immediately rejected because the account was in the process of being closed. This occurred on XXXX/XXXX/15. 
I would like the checks returned so I can deposit them into another account.
Product: Credit reporting or other personal consumer reports

FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern.

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at XXXX, Transunion, and XXXX. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me.

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at XXXX, Transunion and XXXX. 

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from Experian, Transunion and Equifax.

3. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at Experian that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by XXXX, Transunion and XXXX. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward XXXX, Transunion, and XXXX. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,
Product: Checking or savings account

On XX/XX/2022 in the early morning after checking my bank account I noticed multiple fraudulent transactions one after another from a merchant outside of the country. The total of the transactions was about {$5400.00}. I immediately called schools first to let them know that those transactions were fraudulent and that I had not been out of the country or authorized anything. Schools first assured me that this would be taken care of and immediately issued a credit. I assumed this was all done and taken care of but it wasnt. School first came back later and denied my claim later withdrawing the credit issued and pushing my account to - {$5300.00}. From what I have researched. It seems that my debit card information was phished and used to make fraudulent purchases. Schools first failed to protect me as a consumer and approved multiple huge ticket transactions. Schools first failed to abide by XXXX zero liability protection as well. I will not be held accountable for transactions that were not authorized by me and request that schools first abide by XXXX zero liability policy and reinstate my negative balance to a XXXX  balance.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report XXXX XXXX XXXX
Product: Bank account or service

My bank ( chase Bank ) contacted me to report there was fraudulent activity on my account. They froze my card ( and called me to tell me there was suspicious activity ). I contacted them and reported I did not recognize transactions done in XXXX. They credited my account, then 2 weeks later, reversed the credit and informed me that since it was a chip, they had to deny the claim. I do not understand how the fact that it was a card chip, means that it was not fraudulent. I am disputing this still.
Product: Credit reporting or other personal consumer reports

Inquiry and close accounts and collections are not mines theses companies needs to start let others ppls use there names to put things in peoples names because of they desperate for money so I needs all of this to be removed and disputed off my report immediately Under all 3 credit bureau from trans to 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as Equifax, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Product: Payday loan, title loan, or personal loan

This is a resubmission of a prior complaint. I obtained a loan from minute loan center all via online and over the phone. The loan was in the form of a line of credit that was for {$2500.00}. My first 2 payments were for {$200.00} and were bi-weekly in accordance with my pay schedule. I have not received any emails from minute loan center regarding statements since I obtained this loan. I had checked no earlier than XX/XX/21 to confirm the payment of {$200.00} was to be debited from my account and this is what it said. On XX/XX/21 I was surprised to find that my account had been debited {$630.00}. I did not see this anywhere in my loan agreement nor was it explained to me that my payments would increase this drastically. It is not clear in their loan documents. I have had other loans before where it is explicitly clear what the payment will be. On XX/XX/21, I spoke to XXXX and advised her that I wanted the ACH on this account removed. I am happy to pay the {$200.00} but I will not pay over {$600.00} on a {$2500.00} line of credit. I am asking to be refunded the difference of {$430.00} due to minute loan centers lack of communication on this. 

On XX/XX/21 I received a notification that the company had responded and that the response was sent directly to me. However, I have received no such response. Additionally, I was in text communication with the manager XXXX, who was quite rude in his correspondence. He also advised that a response was made and I told him that the CFPB said that the response was sent directly to me, however, I have not received it. I never received any follow up from him since then. I received another phone call today but no indication of when this response would be received. I am now forced to look into how this can be reported to the local jurisdiction including the attorney general 's office.
Product: Credit reporting or other personal consumer reports

The companies I was receiving pay day loans for Workd Finace XX/XX/year> the actions that were taking were me reaching out to the firm for my credit report
Product: Student loan

I have had no permanent employment since 2010 ; working contract is not helping me either. I can't pay the loan at all ; plus Navient only answer is to continue forebearance now a XXXX dollar loan over the course of 10 years and accumulated interest is now XXXX I will never be able to pay this unless I win the lottery ; I don't even play. 

I am trying to find an attorney to file for student forgiveness. I am now XXXX and am XXXX   with XXXX XXXX still. No attorney will hire me permanently I still hear I don't have experience after 13 years of graduating with XXXX 's grade point average. I have had to work contract with no secure permanent job in the future coming to me. I don't know the answers to these issues, maybe you do. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have called multiple times regarding unauthorized inquiry from XX/XX/2023. I have not applied for credit and did not authorize this inquiry.
Product: Debt collection

The company report me 4 times for a bills i never owned and the company don't have any of my correct information such as address, social security number ... that actually brings my credit score very down ... As a XXXX XXXX XXXX that reports mess up all my business. 
-ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1300.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$520.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file
Product: Credit card or prepaid card

My husband received an email and asked me if I had opened a credit card through Capital One Venture. I received a text message asking me to complete a verification process for a Capital One account. I ignored it and thought it was just a scam. I received a text message today stating that my Capital One Card has been approved and is being mailed to me. I called Capital One the actual credit card company and reviewed what happened and a credit card in my name has been opened on XX/XX/2023. XXXX from their IT Fraud department inactivated the card and flagged it as identity theft. The investigation number is : XXXX with Capital One.
Product: Checking or savings account

On XX/XX/2021 I attempted to purchase a pair of pants from a store while on vacation. The pants were never sent to me, thus I contacted my bank Citibank given that it was purchase via my debit card. 

Citibank first placed the funds back into my account, but sent me a letter requesting more information which I sent BOTH via fax and via USPS mail. They reverted the charges claiming that they did not obtain the letter, which they did obtain given that they responded to me via mail. 

Thus, I have been over {$250.00} for a materials that I have not received and they are not wanting to help me resolve the issue. As a bank they have failed to protect my money, and their customer service has failed their customer. 

I want this resolved as soon as possible! 

Sincerely, XXXX XXXX
Product: Credit reporting

Several inquiries deleted and reinserted, customer service would not help take care of the negative inquiries reporting to my Trans Union credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed some hard inquiries on my TransUnion credit report that i did not authorized. XXXX ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 
XXXX ) the second company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.
Product: Debt collection

Santander Consumer USA they call every day leaving voicemail. They called XX/XX/2022 to contact the servicing center.
Product: Debt collection

This is a part of a XXXX medical bill that was covered by the XXXX XXXX   insurance that I carry with policy number XXXX. Based on the charges I have received from them they include XXXX  and other charges that I haven't gotten either. 

So they are charging me for processes that they have not perform and the charges covered by my insurance company.
Product: Mortgage

I sent a partial mortgage payment of {$800.00} electronically through my XXXX XXXX   account, that was accepted by Franklin American Mortgage Company on XX/XX/19. They still have not credited the money to my account or returned the money to me. They say that they can not locate my money because it was a partial payment. I have gotten a Proof of Payment from my bank and faxed, emailed, and sent by mail to them. They confirmed that they got the form but have stated that they need more information than that. I even spoke with XXXX XXXX and Franklin American Mortgage at the same time ( 3 way call ). Nothing was resolved. I have been given no answers. Now I am behind on my payments.
Product: Debt collection

This company keeps calling me from XXXX and XXXX and they have called several times within a 10 minute period. Robo calls and repeated calls are against the law and I have to pursue legal action for every auto dial and robo call that has been made. The action is {$500.00} to {$1500.00} per robo call. I am requesting that they stop calling me before I sue for {$500.00} per phone call. This company did not send any validation as requested by the law.
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan from Discover Bank. When I make my monthly payments there is always the option to print the confirmation of payment. When I do so, they used to have the PAYMENT CONFIRMATION NUMBER on that printed confirmation page. ( see attached pic confirmation 1 ) About XXXX of 2024 they stopped showing the confirmation number. You can still print a confirmation page, but all it shows is that you've scheduled a payment. ( see attached pic confirmation 2 ) I emailed the Executive Offices of Discover on XX/XX/XXXX to file a complaint. I finally spoke to them on Friday XX/XX/XXXX and they said that they no longer show it on their payment page. 

That is entirely unacceptable. Payments get misapplied all the time. And the ONLY recourse consumers have is a Payment Confirmation Number. Now, as it stands if they say I've missed a payment, the only thing I can show them is a printed receipt that only says that I scheduled my payment. I no longer have a Payment Confirmation number to submit that corroborates payment. 

What are they trying to hide? Why are they hiding it? It's not account numbers. It's information that we as consumers a legally entitled to. They can certainly display it. They do for their credit card payments, so why not personal loan payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost  my credit score to pl ummet substantially. They have as of today    XXXX   XXXX  ,2017 re moved my   XXXX   XXXX   XXXX   Discover Card,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all th e Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
Product: Credit reporting

I am victim of identity theft. An unknown person has been using my information to obtain credit. I notified Experian of this, as well as the furnisher of information, XXXX XXXX. I obtained an identity theft report from the XXXX XXXX Police Department as Experian instructed me to do. I sent a copy of this report to Experian as well as XXXX XXXX. The account was removed from my credit report in XXXX XXXX, then it was added back to my credit report in XXXX XXXX. I was never notified by the credit bureaus of the reinsertion as required under the FCRA. I have disputed this fraudulent account numerous times since then and Experian is claiming to verify the account. I am not liable for this account because I did n't apply for it and it is a result of identity theft. Experian is violating FCRA 605 B and I am considering court action.
Product: Credit card or prepaid card

I had 2 fraudulent charges on my credit card account on XX/XX/XXXX in the amounts of XXXX & XXXX form XXXX XXXX card. During the dispute the charges remained on my account as this was odd they wouldn't temporary remove the charges until investigation was closed. I already felt there was bias. After 3 weeks I received a letter stating I was responsible for the charges as the chip card was used. This was impossible as I had the card in possession and used it that day on other transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  XXXX XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.