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. 

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

. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I have email alerts with PNC to let me know if my account balance is below {$100.00} or if my account has become overdrawn. I logged into my account on XX/XX/20 after XXXX and saw that it was overdrawn - {$430.00}. I immediately transferred {$450.00} via XXXX to satisfy the overdrawn balance. I finally received an email notification from PNC advising of the overdrawn balance at XXXX, which is a full hour after I completed the transfer so I signed back into my account. The transfer had posted and I was still showing an available balance of {$18.00}. I continued to check my account multiple times during the day and that evening as well to make sure nothing else changed. There were no changes to my available balance in the Online Banking app and there were no additional email notifications received from PNC Bank. The next day, XX/XX/20, I signed into my account to complete another transfer when I was shocked to see that I was overdrawn - {$150.00}, {$100.00} of that being bank fees. I checked my email to see if PNC had made me aware of the overdraft on XX/XX/20, as I have until XXXX to make a deposit to avoid bank fees. The only email correspondence received was dated for XX/XX/20, and was sent at XXXX XXXX  advising that my account was overdrawn. A second email was received the same day at XXXX providing me with the exact amount of the overdraft but of course by that time I already knew but didn't understand why. So I waited until they're customer service department opened at XXXX and called. The IVR said that I did not have to wait and would receive a call back within 20 minutes. More than 2 hours passed with no call received so I called again and spoke with XXXX. I advised her of what happened and asked her if I did something wrong and that's why the fees were assessed. She said I had not and could not explain why PNC had not alerted me to the additional transactions prior to assessing the fees. I spoke with two representatives today who identified themselves as managers who both refuse to reimburse for the fees. They just blamed it on the merchant and the last manager told me I would be sent to collections if I didn't pay it within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, around XX/XX/, I got a notification from XXXX XXXX that there was a new collection reporting on my credit bureaus. So, when I went ahead to check XXXX XXXX it showed on both my XXXX  and XXXX  reports that there was one derogatory mark from a collection agency. After further research I discovered that XXXX XXXX XXXX, XXXX had put the collection amount for {$1000.00} onto my report and showed the original creditor 's name as XXXX XXXX XXXX XXXX. In addition, it also showed the first date of delinquency as XX/XX/2013. I have no recollection of ever obtaining a Payday loan in the year of XX/XX/2013 or earlier. This was a surprise to me and I knew that there was definitely a mistake. I reached out to the phone number that was provided for the collection agency. I was able to get in touch with a gentleman ; I don't recollect his name, who asked for my Social Security number but, I refused to give it, for security reasons. I provided my full name and Date of Birth and they were able to pull my information. I requested an explanation of what this debt was and where it was coming from. He simply stated that it was a Payday loan that I had taken in XX/XX/2013 and if I had a credit card and was ready to pay. I tried to obtain more information on who the original company was, which he refused and said that I could look it up on line and that this was the debt that I owed. I requested documents to be sent to me as proof that I owed this debt and to show my signature or information to support. He refused and got rude and demanded I pay right away. He hung up on me when I tried to get more information and explain that this was not my debt and I have no Idea of what it was ; what the Payday loan was.
Product: Debt collection

Since at least XX/XX/2024, Asset Recovery Solutions has called me XXXX times, sometimes multiple calls per day. I have told them that I am not the individual they are seeking and they assure me I will be removed from their call list. Then Ill get another call. I blocked their number and they continue to call and to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
Product: Credit reporting or other personal consumer reports

First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXX XXXX  XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt.

( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXX XXXX, A DIVISION OF XXXX XXXX XXXX, a notice to XXXX XXXX XXXX : XXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.
Product: Debt collection

I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it 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 protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX XXXX ) the financial institutions and the Consumer reporting agencies XXXX, XXXX, Experian do not have my consent to furnish this information and they surely do not have my written consent. Any consent to XXXX, Experian, XXXX, ( XXXX XXXX ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' Experian, XXXX, XXXX are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Product: Checking or savings account

On XX/XX/XXXX & XXXX, I called USAA about fraudulent activity on my account. I was trying to get a loan and had to provide certain information so that the company could verify my direct deposit. I have done this before on two other loans that I am currently paying on. With that said, the company was fraud, and they posted a apple check on my account and XXXX  themselves money. I have the emails and the fake application and loan information from the company. With that said, I immediate called USAA. They locked my account and proceeded to tell me that they were closing my account. I was fine with that however I am a XXXX XXXX XXXX XXXX  veteran and my only source of income in the amount of {$3200.00} was being set to that checking account on midnight XXXX XX/XX/2021 from the Department of Veteran Affairs. USAA told me that they would keep the money indefinitely and that i could not access the funds. They also stated that it will take 90 days for then to decide if I would receive the funds. In short, this is theft of assets by a bank without cause. The hardship this has caused me is irreversible. I have had to not pay my rent, car insurance, and other debts. My car insurance is through USAA and now that is being terminated. The bank insists they are a bank for service members and veterans. I have filed a civil lawsuit against USAA. The Department of Veteran Affairs has also filed a tracer claim against USAA. I have written my state representatives offices and the FBI. I have filed numerous complains against this Bank. Banks in the united states, can not just steal and hold money and the only source of income of an individual. They are not paying interest on this money and I do not have access to it. Please help. USAA have been doing this to veterans and service members for years. Please investigate their practices. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Checking account # : XXXX Attached is the company or fake company that caused this mess.
Product: Credit card

My name is XXXX XXXX I've been fighting id theft for years I do not own a credit card I filed a dispute but was told account is valid I do not live in XXXX XXXX I live in XXXX XXXX and XXXX before that
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a vigilant and concerned consumer, I demand immediate and detailed information regarding the exact steps your agency has taken to ensure the absolute accuracy of the items in question, as mandated by 15 U.S.C. 1681i ( 7 ). Per paragraph 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), you are required to provide a thorough description of the procedure used to verify the accuracy of the information on my credit report, including the name, address, and contact number of any information furnisher involved. Compliance with this demand is expected within XXXX  days of my initial inquiry. I previously informed your company that I am a victim of a data breach and identity theft, and I provided an FTC Report to support my claim. I demanded that all fraudulent information be blocked and removed from my credit report immediately, yet the following items remain unresolved. This negligence is unacceptable, and I expect you to address this with the seriousness it warrants. Under 15 U.S.C. 1681c-2 ( a ), you are legally obligated to block and remove any information that I, as the consumer, identify as resulting from identity theft within XXXX business days of receiving my complaint. The following item must be addressed without further delay : XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission XXXX XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Mortgage

XXXX LOANCARE services my mortgage. 
1. ). I have an escrow account with LOANCARE from which my insurance and real estate taxes are paid. 
2. ) Issue which I have repeatedly since XX/XX/2022 through XX/XX/XXXX have tried to remedy through phone calls, uploaded actual property tax bill and letters, have failed to CORRECT THE REAL ESTATE TAX AMOUNT FOR THE SECOND INSTALLMENT OF MY TAXES WHICH IS {$1400.00} and NOT the {$4800.00} which they have listed! 
3. ) LoanCares XXXX XXXX XXXX refuses to finish a requested updated escrow analysis that would refund me the several XXXX dollars extra in my escrow account. She also has stated inaccurate information about the XXXX XXXX XXXX XXXX who handles my property taxes and assured me that my actual tax bill was correct. XXXX XXXX insists are keeping the amount Im paying into escrow each month at the same amount. Although she did refund me {$3200.00} from my escrow the account has an overage that is beyond reason. 
In conclusion, LOANCARE should correct my online portal information regarding my actual amount of my second installment of taxes and if possible, do an updated escrow analysis
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about Western Shamrock has been diligently neglected by 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Account # 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 1681 1s-2 ( A ) ( 1 ) A person shall not furnish 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: Debt collection

I was a XXXX  customer XXXX XXXX XXXX had a promotion that would pay off the balance you owed on your phones if you switched to them. I switched and the balances of all cell phones on my account was paid off. I dont have a contract with Source Receivable MNG my contract was with XXXX . Source Receivable reported to my credit and I now have a collections on my credit report. They call my house 20 times a day they have called my job and threaten to have me arrested at work. I owe them nothing just like I owe XXXX nothing I have never signed a legal contract this collection company
Product: Debt collection

Case opened XX/XX/2015. 
Modern adjustment bereu. 
They are collecting for XXXX XXXX. 
For {$2200.00}. 
I have called XXXX and asked about this collection. 
They told me that i have lived at their apartment as a sub leaser. 
XXXX girl was the leaser and i sub leased from her. First of all i never lived there and why am i getting charged if im not the leaser. I really dont get it. This is not me and they should put that XXXX girl on collection. Please dispute this case asap. Thanks
Product: Checking or savings account

I moved. Were I moved there was no Wells Fargo bank. I tried to close account they refused unless I was in person. I said I could not as I was states away. They kept charging me fees on money I could not access. Refused to send me a new card also as mine was lost while moving. So they kept all my money with no way to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I asked that incorrect information be removed from my credit report. Under USC 1681 they are required to investigate and conduct it in a manner that isn't just speaking to the supposed creditor. They failed to do the investigation per the law and haven't removed any incorrect information. Now is not the time for another investigation or to verify. That time has come and gone. I request all incorrect and negative info be removed for my report in the next 10days or be forced to pay {$1000.00} for every incorrect negative error on the report If you want proof of dispute look no further than the complaint filed XXXX with the cfpb. I've waited the allotted time now I will take action
Product: Vehicle loan or lease

I believe at XXXX XXXX in XXXX, Texas. I was unfairly denied credit. When I have enough money to pay the loan. My only outstanding debt is XXXX XXXX XXXX at $ XXXX. I do not have any other debt that adds to more than {$800.00}. There's no reason, I work XXXX jobs at XXXX $ - {$4000.00} a month. I don't qualify for a vehicle loan. And, I have an out of state license. It might be discrimination.
Product: Credit reporting or other personal consumer reports

I have mailed multiple disputes to XXXX, XXXX, and Transunion. All of my disputes have been left unanswered. I have attached copy of my three bureau credit report for each of the companies to review. They have not fixed the errors in my credit report. Please ensure these companies fix the erroneous information in my report.