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

I am writing to file a formal complaint regarding the unauthorized disclosure of my personal information, which violates the Family Educational Rights and Privacy Act ( FERPA ) and 20 USC 1232g ( b ). Despite the legal protection afforded to my personal information under these regulations, my information has been disclosed without my written consent. 

I wish to emphasize that I have never provided written consent to the XXXX XXXX XXXX or any credit agencies to furnish my personal information. This breach of privacy has caused me significant distress and concern for the security of my personal data. 

I am hereby requesting that you conduct a thorough investigation into the matter and provide documentation demonstrating that you have obtained my explicit written consent as required by FERPA and 20 USC 1232g ( b ). If you are unable to provide such documentation, I demand the immediate removal of the disputed information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Experian, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the FCRA, this is against my rights. This Account was paid and closed on XX/XX/2023 but all 3 credit bureau keeps reporting monthly on my credit report. Its showing last update on XX/XX/2023 but it was closed and paid in full in XX/XX/2023. This is inaccurate and it needs to be changed and corrected. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I believe that I was enrolled without consent or knowledge in Citi Identity Monitor. 

Customer Reference XXXX
Product: Debt collection

XXXX ( dba XXXX ) gave my personal phone number without first trying to contact me or our business. When I heard from the first debt collector, I emailed her and XXXX documentation that I had paid the final bill. I never heard anything back from either of them. About 2 months later, I started getting calls from XXXX XXXX, XXXX XXXX, and several other people at Leviton Law Firm demanding immediate payment and asking for checking account information. 

I asked them for details, and they would say things like " you know what you owe '' or would just not provide anything. It did n't sound like they had much information other than my name, personal phone number, and an amount they had been told that I owe. 

I asked them for an email address or office location so that I could forward them the documentation ; they said they could not provide that. They also said " you would n't be able to do that because it does not exist ; you know you have n't paid it. '' To date, I 've received over 20 calls from them, many of them before and after work hours. I asked if I could record the call at one point and they instantly hung up. I still have not been given any opportunity to show documentation that we have paid this ( which I have readily available ). 

Furthermore, XXXX ( dba XXXX ) has also not emailed or called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes via mail and online over last 6 month regarding the below inquires on my credit report. I have in no way authorized these companies to pull my credit and demand they be removed. There is also pending litigation regarding these inquires with Experian, XXXX and XXXX. In the mean time, please have all hard inquires listed below removed asap per the law! Its holding me back. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to XXXX and Equifax ... XXXX  and Equifax still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Product: Credit card

I discovered a recurring charge on my Barclays ' VISA card, issued by LLBean. It was a service I was not using, and I spoke to a Barclays rep who told me I needed to change my account number. After following this advice, the charge still appeared on my next statement. I called Barclays and was told that when a person orders something online, checks the box agreeing to " terms and conditions '', and charges it to their VISA card, the business is connected to that specific account, NOT the account number! So changing my account number did not matter ; I was still being charged. She kindly offered to stay on the " line '' with me while I cancelled that subscription, which I did. On reflection, however, I was concerned about the ability of Barclays to have that kind of control over my account, i.e., my " money ''. Why should any company be tied to my account, especially since I XXXX told that every time I changed my account number, then I need to give that new number to all the accounts that I have automatically charge my card each month, such as XXXX. It did not make sense that online companies should have that kind of " special '' treatment over my local companies with which I do business all the time. In the meantime, I had " googled '' the recurring address of the initial subscription I had ordered as it appeared on my credit card statement. I was shocked to see the words " Fraud '' and " Scam '' in the addresses that came up from " googling '' the company, which happened to be " XXXX XXXX ''. That is what prompted me to contact LLBean and let them know that ( in my opinion ) Barclays was " aiding and abetting '' that fraud by allowing companies to tie directly to my account, rather than just to my account number! For myself, I am done with that company since Barclays had helped me contact XXXX and cancel my subscription. However, I was concerned that others may not realize and be likewise charged each month, not aware that Barclays policy allowed a " tie-in '' to one 's account, as opposed to one 's credit card number. Plus, it could reflect badly on LLBean 's good name.
Product: Debt collection

I agree to settlement amount on a second mortgage and paid it. Now they telling me it take 90 days to send the lien release. I am requesting the Lien Release ASAP since I paid the settlement in full
Product: Debt collection

Account number : XXXX Account name : Rent Recovery Solutions Balance : {$11000.00} 15 usc 1692c ( c ) that law clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt collector must cease all communication
Product: Checking or savings account

In XXXX of this year my wife and I received a mailer from PNC Bank stating that if we were to open a Virtual Wallet, with direct deposit, that we would earn {$400.00} towards our account. On XX/XX/XXXX we also received an email with the same information. The promotion stated that the account had to be opened between XXXX and XXXX, we opened our account on XXXX  At the time of opening the account we provided the bank employee with the flyer for the promotion and were told that it would apply towards our account seeing as how we had met all of the criteria for the promotion. 

About XXXX weeks ago my wife was told that we would not be receiving the {$400.00} because there was no evidence that we had received a mailer for the promotion. My wife informed the bank that the mailer was provided to the bank employee who also wrote down the promotional code provided. It is now XXXX and the bank still will not honor their promotion. Additionally, we sent them a copy of the email sent to us with the same promotional information as was provided on the mailer.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax Mortgage solutions and they said the loan amounts are correct but when you look at the Equifax, XXXX and XXXX website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Bank of America regarding their handling of my chargeback claim for unauthorized transactions that occurred with XXXX XXXX. Despite my providing clear evidence of unauthorized activity, Bank of Americas decision has been unsatisfactory, and I believe the bank has not fairly reviewed my case. 

1. Unauthorized Transactions The disputed charges, totaling {$16000.00}, were made to XXXX XXXX, and I immediately suspected that my personal information had been compromised. I reported the issue to Bank of America on the same day the transactions occurred and made it clear that I believed my account had been accessed without my authorization. 

2. Merchant Information Mismatch Bank of Americas fraud department considered evidence from XXXX XXXX, but the information provided by the merchant did not match the details Bank of America has on file for me. Specifically, the address, phone number, and IP address associated with the disputed transactions did not align with my account. These discrepancies indicate that the charges were unauthorized.

3. Failure to Provide Evidence of Authorization XXXX XXXX has failed to provide compelling evidence that I authorized the charges. In fact, they made a false claim that I authorized the charges through my phone, but no proof has been provided to substantiate this statement. This unsupported claim should not have been considered in the banks review of my case.

4. Violation of XXXX Guidelines XXXX XXXX  did not meet Visas Compelling Evidence Guidelines, specifically under reason code XXXX. The evidence they provided was insufficient and did not demonstrate that I authorized the charges. Additionally, XXXX XXXX submitted their evidence beyond the XXXX deadline, which should have invalidated their submission in the claims process. 

5. Bank of Americas Reasoning Bank of America has stated that I authorized the charges because the pattern of activity did not reflect that of a complete stranger. However, this reasoning is flawed. There is a very high likelihood that someone I know has compromised my information and used it without my consent. The fact that the charges may not be from a stranger does not prove that I authorized them.

6. Delay in Filing the Claim I was advised by a Bank of America representative that I needed to wait until the transactions posted before I could file a claim. As a result, I followed the banks instructions and filed the claim after the charges posted. This delay in processing further complicated the situation. 

Request for Resolution Given these issues, I believe Bank of America has not properly handled my claim and has failed to take into account key pieces of evidence. I respectfully request that the CFPB investigate this matter and assist in ensuring that Bank of America reviews my claim fairly and makes a decision in my favor.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX  : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, Account XXXX XXXXXXXX XXXX : # XXXX, Account XXXX XXXXccount : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX XXXX : # XXXX, Account XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXX XXXX : # XXXX, AccounXXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My mom XXXX  at the end of XXXX and Ive been trying to rectify all the financial mess. I began getting multiple ( XXXX times per day ) calls from reps saying they were calling on behalf of Comenity and a Wayfair card account. It has been an absolute assault - calling from multiple numbers, multiple times per day, and having multiple representatives call multiple times per day to threaten me with legal action ( particularly from XXXX ) - it reached a fever pitch this month. Ive requested numerous times- XXXX numerous times and XXXX : XXXX, XXXX, the XXXX and the XXXX- for proof of debt and to stop being harassed. 
After requesting a proof of debt statement and requesting again to stop being harassed, I received a call on Tuesday XX/XX/XXXX and had a long conversation with an agent that called from the now blocked XXXX XXXX XXXX who identified herself as calling on behalf of Comenity and my wayfair  card and using threatening language. I first asked this agent if the call was being recorded and she said yes and i asked her to make sure it was available for review as I was filing a complaint. I then asked her again to identify who she was calling on behalf of and she said Comenity bank re : my wayfair  balance. I explained to her I had asked for a proof of debt statement and had told them multiple times I was being harassed by phone calls and threatening messages which I understood was a violation of fair debt practices. Additionally I told her I had requested a proof of debt statement about a Wayfair card and my understanding once that was requested debt collection calls were to discontinue. She argued with me saying she cant control what other agents do. I told her - well - I believe it is a law .. so, Id suggest to Comenity they follow the law if youre saying they dont. We hung up and I was called 4 more times that day from a variety of numbers stating it was Comenity on behalf of a past due Wayfair account and theyd be taking legal action and needed to get a lawyer if I didnt have one helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request to tell you 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : 15 USC Section 1692C -NO RESPONSEFROM : XXXX XXXX Equifax and XXXX or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX, Equifax XXXX and XXXX XXXX ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX XXXX Equifax and XXXX ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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.
Product: Debt collection

This debt was from medical bills that should have been covered by my insurance. I advised XXXX of this with each billing.
Product: Credit card

I have a Wells Fargo Visa Credit Card that says " Rewards '' in the upper left corner. Rewards were not posting to my account, so I sent an inquiry thru contact email when signed into my account. They gave me a phone number to call. I was transferred multiple times to different departments. Tried again 2 other times. Was told to go to the branch today and work thru a banker. I did, and the banker could not get a resolve. She herself was transferred 7 times, and told multiple stories but could n't get it resolved. They are saying there are is no reward program associated with the account, even though the card clearly says " rewards '' on it. We were told I could apply for a card with rewards, but that my past purchases would not be credited with rewards, and that likely the interest rate would go up. I made multiple purchases, thousands of dollars using this card expecting to generate rewards. I feel this is clearly consumer deception, and ca n't seem to get any resolution from the bank. I have to believe that if I am having this issue, other consumers are as well. Please help.