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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$7100.00}
Product: Debt collection

My original debtor sold my Account to Caine Weiner with out a written consent to me. I Have never signed a contract having a debt or authorizing Caine Weiner to have my personal information/DEBT. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that Caine Weiner cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. Caine Weiner actions are infringing on my rights and must stop immediately.
Product: Mortgage

XX/XX/XXXX I went into the local PNC Bank in XXXX XXXX, PA XXXX to request a copy of my Mortgage Satisfaction Letter. I was asked to wait in the lobby. After approximately 30 minutes I was called back to an office to present my credentials to prove I am XXXX XXXX. I provided them with my PA Driver 's License as well as my debit card. The representative said to still authenticate me she wanted to send me a code to my cell phone. I told her I did not have my cell phone. She told me I was lying to her and that she saw a pink phone being placed in my back pocket. It was terribly disturbing. Then another teller later informed me that she saw me on my phone in the lobby. There was no phone calls made or a phone even utilized while at PNC Bank!!!!!!!! ( XXXX blatant lies about personal property that is none of their concern ). They tried then to authenticate me through the latest purchases. I gave them the last 2 HELOC loan payments made but they wanted purchase instead. The latest purchases made I wouldn't know because I made online purchases through Shopmyexchange.com and they bill the account once shipped and I don't know when they ship so, instead, I asked to use their phone to be able to contact the PNC Bank phone line to enable me to check the latest items that were submitted to my account and they refused. I left after they told me I needed to go to XXXX XXXX XXXX House to acquire my title. I told them that I was already at the XXXX XXXX XXXX House and they provided me with my house DEED, in my name, XXXX XXXX, purchased on XX/XX/XXXX. This is the only home I ever purchased, the home I raised my XXXX children, and the loan I paid off after my divorce settlement on XX/XX/XXXX required I refinance the loan in my name and/or pay it off, of which I did and had it paid off in XX/XX/XXXX while I was XXXX overseas in XXXX ( My second XXXX in 5 years as a military reservist ). I would very much appreciate to know why PNC Bank can not provide me with a title to my house that I financed through them and paid off the loan. I would also like to know and possibly legally report PNC Bank employees who have outright lied about making a statement about me utilizing a cell phone or making a cell phone call using a personal cell phone in their bank lobby on XXXX XX/XX/XXXX. I created quite a disturbance in the bank
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my previous correspondence regarding the unauthorized inquiries on my credit report. Despite my multiple attempts to resolve this matter, these unauthorized inquiries continue to remain on my report. I am writing again to request the immediate removal of these inquiries, which were made without my permission or authorization. 

As I have previously stated, I did not authorize these inquiries, and they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, unauthorized inquiries must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Unauthorized Credit Reporting Adherence to FCRA and Texas Identity Theft Laws Dear WELLS FARGO, I am reaching out to address a concerning issue regarding unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Texas Finance Code Sections 392.301 and 392.305, alongside pertinent identity theft laws, particularly Texas Penal Code Section 32.51 . 

It has recently come to my attention that WELLS FARGO has been engaging in unauthorized reporting to my credit report without obtaining my explicit consent. According to federal law, as stipulated in the FCRA, consumer consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Texas state law, specifically Section 392.301 of the Texas Finance Code, underscores the importance of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code provides clear directives for the fair reporting of consu
mer credit information. Concurrently, identity theft laws, such as Texas Penal Code Section 32.51, emphasize the gravity of unauthorized access and misuse of personal information.

I wish to unequivocally assert that I have not granted consent for WELLS FARGO to report any information to my credit report. This glaring absence of explicit permission constitutes a flagrant violation of my rights, potentially resulting in harm to my creditworthiness and demonstrating a complete disregard for federal and state laws.

I demand, with absolute certainty, that WELLS FARGO promptly ceases any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to adhere within the designated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under relevant laws, including those pertaining to identity theft.

It is imperative to recognize that obtaining consent is not discretionary but rather a legal obligation under the aforementioned sections of the FCRA, Texas state law, and identity theft statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations aimed at safeguarding consumers like myself from unwarranted and detrimental credit reporting practices.

I anticipate your immediate attention to this matter and trust that WELLS FARGO will expeditiously rectify these egregious violations, thereby upholding my rights under federal and state laws.
Product: Credit card or prepaid card

I received several 0 % promotional APR emails from XXXX XXXX Barclay Card ( screenshots attached ). On XX/XX/XXXX, I contacted Barclay to activate this offer and request a new card be mailed to me with expedited speed. When I did not receive the card within the expedited time frame, I contacted them again on XX/XX/XXXX and found at they had not annotated the requested expedited time frame in my notes and had to generate a new request. There was also a third call required before I finally received my card but I do not remember the dates and details of this call ( I do know it occurred prior to XX/XX/XXXX ). While trying to resolve this matter, I found out that they did not even have records of all conversations I had with representatives. Although I did receive my card, I furnish this explanation as an example that they inadequately annotated my calls. During my numerous calls to Barclay, I also confirmed that the 0 % promotional APR had been applied and was told it had been. Having confirmed that this promotional period was applied, I made a {$3100.00} charge on XX/XX/XXXX. There was also a " fast card fee '' - the fee for activating the promotional offer charged to my account on XX/XX/XXXX. When I logged into my account to begin prompt payments on this amount, I was only presented with the option to pay the minimum balance or the entire statement balance. I contacted Barclay about this on XX/XX/XXXX and was told that I am not currently being charged interest on {$3100.00} but they had no record of a promotional offer applied to my account. They were unable to give me a timeframe of how long I would not be charged interest on this amount or let me know the required date by which it would need to be paid in full. I asked to speak to a supervisor about this and was told it was not possible ( really? no supervisor on duty? ). A complaint was filed asking for a supervisor to call me and help me resolve the matter further. However, I am a doctor and not able to receive calls during most business hours. Furthermore, my phone screens calls from unknown numbers. I asked if I could be provided with a contact number ( or other contact info ) in case I missed the call and was denied. I am concerned regarding a number of outcomes : my interaction with Barclay has demonstrated that they do not adequately annotate their calls and I have concern that they may not have noted their verbal confirmation of my promotional offer. I am also concerned I will not be able to get in touch with a supervisor to resolve this issue. I am further concerned that I will be charged interest due to inaccurate application of the promotional offer on my account, inaccuracy in reporting information to me about the status of this offer, and/or their inability to tell me when the balance must be paid under my promotional terms.
Product: Credit reporting

I have sent XXXX letters to Trans Union and XXXX to have hard inquiries removed that was not initiated by me. I have asked for signed verification that I initiated and it has not been proven. Inquires that are not initiated by myself to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my online account for my Barclay 's Uber Rewards Card since midXXXX. i can not make payments or view an up-to-date balance. I have been told that others are having my issue and that I just need to wait since the beginning of XXXX. My understanding is that Barclays forwarded a report on XX/XX/XXXX designating me as a late payment after being told that 1 ) any late fee or interest would be waived by multiple parties ; 2 ) that I would be able to access my account in order to make sure I was paying for what I should be paying for. 

The company called me at work today before putting me on hold about a late payment. Nothing has allowed me to get online and pay my account, and I am told that late fees ( that they waived ) have been reported to XXXX. I have been told that it is automatically reported and that there is no one to speak to about correcting the result of an error on their end. Additionally, I am told that there are no supervisors to speak with after the person on the call speaks to a supervisor and that they are unable to do anything for me about my online access other than just wait. I am told that I can make payments over the phone but have no way of making sure my information is current and correct before making a payment, something which is impossible based on conflicting and confusing information given me over hours of speaking to various customer representatives.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Debt collection

In reviewing my credit report when applying for a mortgage, I noticed a debt from XXXX XXXX XXXX. Mailing address : XXXX XXXX, XXXX, Mississippi XXXX. On XX/XX/XXXX, I sent a debt validation letter to Franklin Collection Service requesting verification of the amount of the debt, the name of the creditor to whom the debt is owed, verification of the debt and proof that they are licensed to collect debts in the State of Georgia. The letter was sent via Certified Mail and I received confirmation that the correspondence was retrieved from the post office on XX/XX/XXXX. As of today 's date, I have received no response from this debt collector. This debt is listed as a {$31.00} charge which I would have certainly paid had I received notice and verification of the debt prior to it being reported to XXXX. A copy of the XX/XX/XXXX correspondence and confirmation of delivery is attached. As of today 's date, XX/XX/XXXX, I have yet to receive verification of the debt.
Product: Checking or savings account

I requested to open an online savings account with Cit Bank and after I was approved and the account was opened it asked me to fund it. So I requested to transfer {$25000.00} of funds from 3 of my accounts. This took them 3 days and then my source accounts were debited the funds. Immediately after they debited the funds they then locked me out of my account. I called to get my account unlocked and was told that they will not unlock it because they have decided to close my account and end our relationship. I asked why this is happening and why they didn't deny me before approving me and taking my funds but they would not answer and would only tell me that they have decided to end our relationship. Now the funds have not been returned to my source accounts and I do not have an account with Cit Bank to log into.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX solicitors signed me up for credit card protection aware that my application said that I receive XXXX benefits in order to approve the application. I paid for insurance incase I was not able to pay on the account that later didnt cover me as indicated when sold to me. Why would I carry the insurance and its not honored? I place the card and balance under bankruptcy due fraudulent advertising and no coverage that I paid for. Now XXXX wont stop reporting decreasing my credit score after they scammed me to pay for their extra account coverage I explained to folks that I am XXXX in a XXXX over and over I dont work and they knew that the application was filed under a social security income and approved so why would I pay for job loss insurance? They hussled me scammed me refusing to stop bringing my credit score down. I cant stop them from reporting on my credit report furious over a bankruptcy that I filed, but yet they caused it. I cant for insurance incase I cant pay my bills that did not cover me and I did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has violated my privacy by sharing my information with affiliates without my consent from all accounts I had/or have with them.

IAccording to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX 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 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. '' ( Furnisher of information to credit agencies ) 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 consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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 1681b of this title. XXXX and 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. '' I am opting out of your reporting services.
Product: Debt collection

I have provided XXXX pages of supporting documentation, including : Police report Disputed American Express payments ID and Social Security Card My credit report FTC Report FCRA I HAVE PROVIDED ALL THE NECESSARY DOCUMENTS TO REMOVE TWO FRAUDULENT AMERICAN EXPRESS ACCOUNTS. AMERICAN EXPRESS REFUSES TO REMOVE THESE IDENTITY THEFT ACCOUNTS. THEY HAVE VERIFIED ALL MY DOCUMENTS FOR THE REMOVAL FROM MY CREDIT REPORT. HOWEVER, IT KEEPS COMING BACK UPDATED AND VERIFIED FROM MAKING PAYMENTS. I HAVE PROVIDED PROOF OF DISPUTING THE PAYMENTS FROM MY BANK ACCOUNT THAT WERE MADE BY MY EX-BOYFRIEND. I BELIEVE THIS MIGHT HAVE TO DO WITH DISCRIMINATION AGAINST ME BEING XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$30000.00}
Product: Student loan

To Whom it may concern - I decided to refinance my private student loans that had previously been serviced by XXXX to a lower fixed rate loan underwritten by MEFA/ serviced by XXXX  . 

MEFA accepted my loan application and disbursed funds on XX/XX/XXXX, XXXX did not receive the payoff ( via Snail Mail ) until XX/XX/XXXX. Both XXXX and MEFA are charging me interest on the same principal balance from the dates of XX/XX/2019 through XX/XX/2019. I do NOT see how it is legal/ possible for both companies to claim ownership to the underwritten principal. XXXX confirmed that they owned the loans until the XXXX and charged me accrued interest from XX/XX/19 through and including XX/XX/19. 

I am filing this complaint towards MEFA - XXXX XXXX ( MEFA ) sent me a separate copy of the promissory note that I did NOT receive at the time of refinancing stipulating that MEFA will charge interest beginning on disbursement date. They did not own the asset from XX/XX/19 - XX/XX/19 and  began ownership on XX/XX/19. NOWHERE in the original loan refinancing agreement stipulated any of this. 

Additionally I notified MEFA that they were refinancing the incorrect amount prior to the loan disbursement/ final refinancing approval .... they insisted they could not lower the amount ( XXXX! )
Product: Credit reporting

Transunion credit Bureau is reporting unverified accounts to my credit profile. This is in violation of Section 609 of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Delete or remove these accounts off my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT GIVE INSTRUCTIONS OR CONSENT, I DO NOT WANT THESE ITEMS ON MY CONSUMER REPORT! NOT HAPPY! Please respect my privacy and the laws!
Product: Credit reporting or other personal consumer reports

I was involved in several national data breaches ( neglectful XXXX being XXXX. ) As a result my information has been stolen then sold on dark web to the highest bidder ; only then be used fraudulently without my knowledge to open many different accounts. I have been battling these fraudulent charges and accounts for many years and countless hours. XXXX, XXXX and XXXX has made this process extremely difficult and nearly a winless battle. I filed to have these charges removed and blocked using section 605B of the Fair Credit Reporting Act, which requires these above mentioned agencies to remove and block the fraudulent information on my credit report from or as a result of identity theft within four ( 4 ) business days. If these credit agencies are unable to promptly notifye furnisher ( s ) of the listed information see [ 15 U.S.C. 1681c-2 ] section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act, and i have also requested these listed agencies send the required notifications to all furnishers of this information on all accounts listed in original complaint ( s ). The above listed organizations have failed to comply in the timely manner set forth by the Fair Credit Reporting Act. I ask for the original reports to be blocked and removed. The time frame is not negotiable.
Product: Credit reporting or other personal consumer reports

I am being incorrectly charged a monthly membership fee by Experian, despite having a free membership account. Ive been trying to reach customer service to resolve this issue, but the system is not allowing me to speak with a representative. I would appreciate assistance in addressing this matter with Experian.
Product: Credit card or prepaid card

i have lost my card a few years ago. i was working so i felt i didn't need it so i threw it away. chopped it up and threw it away. the week ofXX/XX/XXXX i got a notice in the mail from unemployment saying they loaded my benefits on the card. i don't have that card and i have been trying to get a new one sent out and its been three weeks i haven't heard anything back yet or nothing