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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX consumer # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violating my rights.

( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 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. Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, Equifax XXXX XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to equifax with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!
Product: Credit card or prepaid card

XX/XX/XXXX charge by XXXX XXXX of {$5000.00} for a booking XXXX charge by Chase Card for {$85.00} annual membership fee Statement of XX/XX/XXXX DUE on XXXX for {$5000.00} XXXX refunded on XX/XX/XXXX in full! Payment was due on XXXX, refund came on XXXX Chase charging {$58.00} in interest for the annual membership that was not paid yet. 

How is Chase allowed to charge an almost 100 % interest charge on their annual membership.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my Opt-Out Notice to NR/SMS/CAL, and I am filing a formal complaint against NR/SMS/CAL for blatant violations of my consumer rights. NR/SMS/CAL has flagrantly ignored federal ( Gramm-Leach-Bliley Act ) and New Jersey state ( NJ Identity Theft Prevention Act ) laws by failing to provide me the opportunity to opt-out before unlawfully sharing my personally identifiable financial information with third parties, including financial institutions and consumer reporting agencies. I explicitly notified NR/SMS/CAL that I did not consent to the sharing of my private information. Their responseasserting the right to share my financial information per their Privacy Policydirectly contradicts their own policy language and the GLBA. They acknowledge federal and New Jersey privacy protections, yet refuse to apply them to my case, demonstrating willful negligence and disregard for consumer rights. Moreover, I have never signed any contract or authorized the sharing of my nonpublic personal information. Despite my repeated demands for a full account accounting, including documentation signed by an authorized representative, NR/SMS/CAL has refused to comply, providing only a Promissory Note. This note exposes multiple violations of the Truth in Lending Act ( TILA ) and fails to clarify the funding source or the true amount owed. This practice constitutes deceptive conduct and an invasion of privacy under the NJ Identity Theft Prevention Act. Federal law ( 15 USC 1681a ( q ) ( 3 ) ) defines identity theft as fraud involving another 's identifying information. By sharing my financial information without consent, NR/SMS/CAL is committing identity theft under federal law, violating 18 USC 242 by depriving me of rights under the color of law and engaging in extortionate credit collection practices under 18 USC 894. New Jersey Civil Code voids contracts designed to exempt entities from accountability for fraud, willful injury, or unlawful actions. The Promissory Note serves as a tool for identity theft, rights deprivation, and extortion, rendering it void and unenforceable. The Promissory Note and associated practices also violate TILA, UCC, and XXXX. I demand that this unauthorized account be removed from my credit report immediately and reserve the right to seek damages for violations of the XXXX, NJ Identity Theft Prevention Act, FCRA, TILA, UCC, and XXXXXXXX NR/SMS/CALs actions are egregious, and I expect immediate resolution and accountability.
Product: Mortgage

In XXXX of this year, I made use of the XXXX XXXX XXXX offered by South State Bank to make use of the XXXX XXXX and XXXX XXXX deferment or forbearance while I was unable to work. After five years of never missing a mortgage payment I was told by the loan modification department that I did not qualify. From the start, I provided all tax, payroll and proof of hardship ( I had a XXXX XXXX at the end of XXXX, and XXXX weeks after I fell off a stool and XXXX XXXX XXXX around the XXXX XXXX XXXX XXXX XXXX XXXX ). I finally got a loan modification, but it took me until XXXX to finally attain it due to the loan modification department constantly providing me with false information, unnecessary and incorrect forms for me to return. From the very start it was like playing whack-a-mole with South State Banks mortgage department. I have made XXXX trial payments so far, and I returned to work during the first part of XXXX. While taking four months to resolve my medical hardship mortgage repayment, South State bank has been ruining my credit rating by posting late mortgage payment for four months. I requested that the incorrect information be taken out of my credit report, but to no avail. Why a mortgage company ruins their customers credit just to take advantage of South States Banks medical hardship program offered by them is beyond me. Not only did they jerk me around for four months applying for the hardship program, but they also decided to ruin my credit during the whole process. 
Just today, I received my South State Banks payment statement today with the wrong monthly payment amount of {$1000.00}. In addition to the wrong amount, the statement is asking me to pay a balance of {$5500.00}, which includes Fees Charge Since XXXX XXXX of {$94.00} ( whatever that is ). All this continues to happen while Im on the last Modification Trial Payment. This is the kind of inaccurate information Ive had to deal with since XXXX while this bank has been ruining my credit ratings. Im interested to see what kind of wrong information and paperwork Ill receive next. You would think that a mortgage department of a bank would be able to keep and provide accurate records for their customers and not give them the run around and wrong information for applying for a medical hardship program. 
How do I find out if State Bank has been ripping me off with all the misleading and fraudulent business practices during this whole process of applying for their medical hardship program.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX Ive had a support ticket open with Coinbase support to unlock my funds in one of their accounts. They have promised timely support and have asked for my patience but the weeks are turning into months and I still dont have access to my funds.
Product: Mortgage

Effective XX/XX/XXXX Nationstar dba Mr. Cooper transferred/ sold the servicing of my mortgage to XXXX. I previously had automatic payments configured with Mr. Cooper and had never missed a payment. Auto payments resumed with XXXX and my payment was drafted around XX/XX/XXXX ( where ordinarily it would have been XXXX with Mr. Cooper ). 

I never missed a payment, and my payment was only late by 11 days because of the transfer of servicing, Mr. Cooper blocked my ability to pay my XXXX mortgage the day before the transfer, and XXXX would not allow the payment until XX/XX/XXXX. 

Nationstar/Mr. Cooper reported my mortgage late to the credit bureaus sometime in the past week and now my credit score has dropped by XXXX points. I am currently seeking credit and this has adversely affected my ability to get credit at favorable terms. 

I have attempted to contact Nationstar and have not received a response.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some accounts listed have reporting inaccuracies, with incorrect amounts and dates.
Product: Credit card

I am writing to advise you that my Apple credit card issued by Goldman Sachs has been the subject of repeated fraudulent charges and unauthorized ACH transfers to Goldman from my checking account. To make matters worse, I have repeatedly received calls that appear to be using the Goldman Sachs Apple Card Helpline. Individuals claiming to be XXXX XXXX and XXXX XXXX have claimed to be XXXX Account Specialist and Account Supervisor, respectively, who then placed bogus charges on my account. Let me repeat these individuals based on the caller ID on my XXXX are calling from the Goldman Apple Help Center. 
The initial fraud occurred on XX/XX/2023, when over {$30000.00} was charged to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and they were able to transfer money from my linked XXXX account to pay Goldman for the fraudulent charges, so they could make additional fraudulent charges. It took over a month to resolve this and I was assured that the highest level of security would be put on my account so nothing like this could happen again. BUT IT DID HAPPEN AGAIN. On XXXX XXXX XXXX, another XXXX XXXXXXXX fraudulent charges were placed on my Apple Card for ( for multiple transactions ) to XXXX XXXX XXXX XXXX , and XXXX. And Again my linked XXXX Account was raided and emptied to pay via XXXX transfer Goldman Sachs Apple Card for the charges. I now have an overdrawn XXXX Account and my Goldman Sachs Apple Card improperly has {$25000.00} of my funds. I NEED THESE FUNDS BACK IMMEDIATELY. They refuse to return the funds while they " investigate '' even though they know these charges are completely fraudulent and any competent credit card company using standard fraud detection would not have allowed these charges to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

During  XXXX   XXXX ,    2016   XXXX   XXXX  placed an account for which i never applied for. I called and asked for it to be removed. However  XXXX   XXXX  has only removed the inquiry from my  XXXX  report. It is still in both my  XXXX  and Equifax credit reports.   The inquiry : Name :  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry  Date :  XXXX   XXXX ,  2016  Phone: XXXX
Product: Student loan

How are you doing during this chaotic time of covid19? hope you're safe and sound. Listen, there is no way that these companies investigated this student loan from NELNET. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date, different dates of last payment, questionable balances, etc Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't student loan companies sued by Cfpb before for not applying payments to consumers accounts correctly? I'm really confused right now and i was wondering if you can help me out.
Product: Credit card

I made the payment to City Bank for my Dillard 's card they cashed the payment but did not apply it to my account. so, after hours on the phone and opening a dispute. I still do not have it resolved. I have sent {$10.00} to fax them a copy of the check to two different fax numbers that they provided. Mailed it now to two different mailing addresses that they have provided. Now I am getting threatening notices in the mail and i have done everything I can to get this resolved. they keep passing me from department to department hung up on me multiple time. I am scared to have the bank cancel the check because I done want them to try and hit me the with almost 3 months of late fee that have been accruing on this account because they can not get the payment that they cash applied. please help me I am so exhausted and do not appreciate the harassment i am receiving form them.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 9 months since I have been going back and forth with Transunion over several accounts, reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Transunion but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX XXXX XXXX XXXX XXXX, 2. XXXX XXXX # XXXX also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Transunion has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Transunion and will provide if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist.
Product: Debt collection

I'm contacting these agencies in regards to credit misrepresentations, there's collections on my report inwhich even the orginal account has been removed due the investigated accounts not being mines. So the collections themselves must also be removed, in order to satisfy the language in the FCRA, the dates to reflect them accounts are as following ... XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

Money was transferred from my checkling account unauthorized to unkown party via XXXX  payments. 3 different transactions were made in which I had no knowledge of who these payments were sent to. I do not have a XXXX  account or access to one. I also do no live in the state where they state the money transfers came from. The bank has not provided any information regarding what device these paymments were made on. I also have tried to resove this with the bankning instituion as I have been a loyal customer with no issues for 15 plus years. I had no reason to overdraft my own account and jeopordize my funds being deposited and charging additional finacial burdens on me. I am very disapointed because I feel like they did not investigate to ensure that there was no way I could have made the tranfers. I live in Ohio and the tranfers were completed and done in a completely different state. The bank never called to ask me what devices I own. I really need the money that was taken from my account.
Product: Credit reporting or other personal consumer reports

i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX  Auto Loans XX/XX/2023 TransUnion XXXX XXXX  XXXX XXXX XXXX, New XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX XXXX Auto Dealers, New XX/XX/2023 TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXX  Auto Financing XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion is a financial institution by definition under that title.

please provide the consumer the accounts that these inquiries are connected to. With signed documentation and NO E-OSCAR VERICATION.

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

The financial institution and the consumer XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures.

According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion and XXXX are consumer reporting agencies and I am the consumer. 

see attachments for identification
Product: Debt collection

It all started with XXXX who kept saying I owed {$2900.00}. They would call Example XXXX then my cell phone number. I would call XXXX and they stated they had no Idea what i was talking about I was in good standing and also left to XXXX and was able to port my number XXXX XXXX XXXX. I transfered 3 numbers to XXXX XXXX. My wife stayed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She stayed because she still had a year left on her contract. One day some called no name given but this time they called me around XXXX XXXX   and I was told they have been trying to collect {$3000.00} debit. They even said they were going to have me arrested. When I said come to the station I am working ( i am XXXX XXXX ), they hung up. I called XXXX   they put me on hold and they called the number they said for that person to get rid of the debit they needed my Entire Name, My DOB, MySS #, My current address. When XXXX identified themselves they hung up. They added all the notes to account. Then she sent to XXXX Fraud Dept. They Investigated and did admit it was Fraud. they sent me a letter. Some how the it took three months and they sent me to collections. When I called and was on the Phone for 6 hrs that day the collection agency said that This Matter was already resolved XXXX XXXX. They even tho they knew it was fraud they left it on all three credit agencies and No one has taken it off. I went from an XXXX to XXXX on two of the three and XXXX has me at XXXX. I signed up with Identity Guard Family Plan ... .. I Am in the process of of getting a SBA loan and have a Lease that is going ending XX/XX/XXXX and am going to get another My world has been turned upside down and dont know what else to do I contacted all 3 Credit Agency 's and Some one tried to open another Cell this time with XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

hard inquiries got added to my credit report, which l am unaware of. I am filling this report to remove them from my credit report. The companies are : XXXX ) 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, credit repair services, or other personal consumer reports

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent
Product: Credit reporting or other personal consumer reports

i have recently discoverd that i am a victim of identity theft, someone has been using my identity to pose as me and using my information fraudulently