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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 of 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

Despite multiple written requests, the unverified account in question. listed below continue to report on my credit report in violation of federal law. This account in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.
Product: Credit reporting or other personal consumer reports

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Equifax Information Services LLC I am writing to request a detailed description of the investigation process followed by your agency in regards too the disputed accounts on my credit report. Pursuant too the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) ( 7 ) Description of the reinvestigation procedure.

Under Section 15 USC 15 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
I received a letter from your Credit Bureau saying that the accounts were verified but I would like to know what you verified. Can you send me a detailed description of you verified? 

Accounts XXXX XXXX XXXXXXXX XXXX  ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 
XXXX XXXX XXXX ( XXXX ) Provide the description of the procedure of the investigation used to verify this account if you can not remove this account at once. 



Sincerely, XXXX XXXX XXXX XXXX I also sent certified mail here is the tracking number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student credit card line with Wells Fargo sometime in XX/XX/XXXX, someone who I was dating at the time knew someone who works at Wells Fargo I did not know until later on my ex had connection through one of the employee 's to see the statuses of my account and changed my password to access my online banking, he also changed my banking paper statements to paperless. It wasn't until a year later I learned my credit card has been max out, I requested a transcript of the spendings and only two transactions were made by me. I paid off the card, once I paid it off I closed all accounts. I still am in fear that the my ex boyfriend is still having access to my personal information by his friend/family who works at a Wells Fargo Branch. I do not feel safe banking with Wells Fargo reason why I closed my account, I also learned while going through court for a restraining order against him for a Domestic XXXX case that he has a criminal record for Identity Theft and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I  received a letter from Wells Fargo not understanding why because I closed all accounts that a Deposit has been made recently on an account under my name. I do not know if this Deposit has been made on an account I had already closed or an account that has been opened under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VIRGINIA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX VXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX EQUIFAX NAME : EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX HL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ally Bank closed my credit card without notifying me first. I had no idea. I only found out because I got a notification from the Credit Bureau saying that Ally closed my card. I contacted Ally, and they said it was due to inactivity, which isn't true. I used my card in XX/XX/year>, and then I used it again in XX/XX/year>. They decided to close my account directly after I used it in XXXX. When I called them the representatives were mo help and said they couldn't re open my account. However, it shouldn't have been closed in the first place. I am also filing a complaint with the XXXX
Product: Credit card or prepaid card

have had a Chase Military Star Card now Chase Freedom card for about 8 years. When they discontinued their affiliation with the XXXX XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from XXXX to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 15.24 % in XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate
Product: Vehicle loan or lease

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Email : XXXX Respondents : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX Westlake Services , LLC d.b.a. Westlake Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Nature of Complaint This complaint arises from violations of the Truth in Lending Act ( TILA ), including failure to disclose costs, provide complete documentation, and improper itemization of charges in a vehicle financing agreement. Specific violations include : Failure to disclose insurance costs in the finance charge. 
Lack of right of rescission documentation. 
Improper cash and credit terms disclosure. 
Ambiguity in excluding the down payment from the finance charge. 
Missing required signatures. 
Relief Requested
Product: Debt collection

I am writing to formally file a complaint regarding the debt collection practices of XXXX XXXX, a debt collection agency. Over the past several days, I have been contacted by this agency via text message about an alleged debt. These communications did not provide proper validation of the debt and contained threatening language, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : Lack of Written Validation and Notice : On XX/XX/year>XXXX XXXX XXXX XXXX I received a text message from XXXX XXXX. A second text message was sent on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Both messages contained threats that the matter would be referred to a law firm in my state to initiate a lawsuit against me. However, at no point have I received any formal written communication or validation of the debt. According to the FDCPA, the collector is required to provide written validation of the debt within five days of initial contact. Neither of these text messages included the necessary details, such as the amount owed, the name of the creditor, or my rights to dispute the debt. 

Threatening Legal Action Without Proper Documentation : The text messages contained threatening language about the possibility of legal action, specifically mentioning that the matter would be referred to a law firm for potential legal action. This has caused me significant stress, as the debt has not been properly verified, and I am unsure whether this debt is valid. The threats were made without any documentation or explanation of the debt, which is both misleading and a violation of the FDCPA. 

Emotional Stress and Harm : The constant threats of legal action and the failure to provide any written verification of the debt have caused significant emotional distress. As a result, I have experienced considerable anxiety, sleepless nights, and a sense of being harassed. The stress from these unverified threats has negatively impacted my mental health and overall well-being. 

Potential Financial Harm : Beyond the emotional toll, I am concerned about the financial harm caused by these threats. If XXXX XXXX actions result in a lawsuit or legal fees for a debt that may not even be legitimate, I would face unnecessary financial strain. Furthermore, I fear that these actions could impact my credit, causing long-term damage to my financial standing. 

Given the clear violations of the FDCPA, including the failure to provide a written validation notice and the unlawful threats of legal action without proper documentation, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against XXXX XXXX. I also request that any associated fees, damages, or harm caused by their actions be addressed. 

Thank you for your attention to this matter. If you require any additional information or documentation, please feel free to contact me at
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach my information breached sold and traded illegally without my consent. This is innacurate information and needs to be removed from reporting. This is violation of the FCRA rights and are all reporting different things on my reports. I have attached screen shots of the innacuracies on all XXXX credit reporting beaurus a long with proof my data was sold illegally
Product: Debt collection

During XX/XX/XXXX I was involved in auto accident and admitted to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ from roughly XXXX XXXX. I only spent that morning in the hospital before being released later on that afternoon. I had came to the ER department as instructed by the physician for 3 more checkups following that day. As I reported the incident to my auto insurance company XXXX XXXX during that Thursday, my PIP coverage was fully able to cover my hospital expenses. Within the timeframe of the year, XXXX Billing Department sent this so called outstanding bill to debt collectors. Even while they got paid as stated by a billing specialist. This fabricated unpaid debt has affected my credit score with delinquencies reported monthly during the year of XXXX til now.
Product: Debt collection

The Complaint that I have is with BULL CITY FINANCIAL SOLUTIONS. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with BULL CITY FINANCIAL SOLUTIONS. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report during the month of XXXX i identify several inquiries that i had never authorized. they are : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. 
I have called XXXX, and Experian, i have also sent a letter to XXXX. till now no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act, 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institutions are suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Mortgage

I have an ongoing issue with PNC Bank not applying my principle only payments to the principle. Even after a complaint here, which they have not answered, and a complaint to HUD, they continue to misapply my principle only payments and use these payment to pay my mortgage in advance. I bring their errors on my account, to their attention each and every month and they continue to process corrections on the date they make the corrections and not on the date the payments where originally made, which causes the misapplication of accumulating interest. I know full well and PNC Bank knows that they are doing this to me and other consumers, which costs the consumers money and PNC puts that interest in their pockets. This practice warrants a class action law suit which would force PNC to correct their processes and pay back all of the consumers who are being taken advantage of, without their knowledge.
Product: Money transfer, virtual currency, or money service

This situation happened 1 month ago and still can't be solved. 
Here is what happened. 

I had my money on Robinhood ( {$4900.00} ) and for unknown reasons I got my account suspended.A representative of Robinhood asked me to provide my State ID and XXXX bank statements in PDF FORMAT related to the debit cards I usually use to add funds to my Account. 

I kindly provided all the requested information except one Bank Statement. I ended up a relationship withone of the banks and wasn't able to provide a monthly statement in PDF Format I was able to get onlya paper variant of this document at the bank branch, because I am no longer a customerof this bank and it's prohibited for them to send this type of file through Internet. After several declines and about XXXX attempts to explain to Robinhood Support that I couldn't provide it, I finally got lucky whenmet the Manager of the Bank and talked to him and he kindly provided me with this PDF Statement. 

With happiness and full of confidence I provided this document to Robinhood expecting that the problem gon na be solved. But, unfortunatelyin 4-6 days, I got anotice that my account was closed permanently. 

I reached out to Support to know if I could get my money back and they told me NO, they told me that I couldn't prove the legitimacy of my funds ( they said after I provided everything they asked me for ). 

In final, I have about {$5000.00} frozen in my account and I can't do anything with it. They literally took my money away and don't want to cooperate further. 

Please help me I will attach below Bank Statement after I got my account closed and their final letter when I asked them to explain to me why my account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX  XXXX
Product: Credit reporting

Well over a month ago I requested a free credit report. After at least three weeks I received notification that Experian required additional information to process my request. I mailed the information back with a copy of the letter they sent me. I just received notice that Experian will not be producing my credit report because they " are not affiliated with the annual free credit report program. '' I am not able to contact Experian directly regarding this issue. Please sue the fecal matter out of Experian. Please fine Experian to the point of bankruptcy. Then ensure all Experian board members are placed in prison, for at least 10 years each. 
Thank You, XXXX XXXX
Product: Credit card or prepaid card

I had a credit card for a few years that had a {$75.00} annual fee. This year upon renewal, I called Bank of America to close the account to avoid paying the fee. The Customer Rep that took my call, told me that I can convert the card to a different B of A card in order to avoid paying the {$75.00} renewal fee. I agreed to change the card over and the fee never came off. I called again about one week ago as it has been about 4 weeks and the fee is still showing up on my account. The 2nd rep told me she filed an incident report or something and that my {$75.00} fee was approved to be refunded within 24 hours. It has now been about a week and the fee is still showing up on my account. I called again today XX/XX/XXXX and the supervisor XXXX ID # XXXX told me that the fee will not be refunded unless I close the account.
Product: Credit reporting or other personal consumer reports

Experian has filed to fulfull it legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumer of dispute. These failure align with my experience, where Experian has neither corrected nor remove disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian'a inaction violates federal law and my right as a consumer.