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

According to 15 USC 6802-6805, 15 USC 1681, and the Privacy Act of 1974 : The disclosed actions by Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX appear to contravene several fundamental consumer financial privacy laws. These laws mandate strict controls over the handling and disclosure of consumer financial information Specifically, 15 USC 6802-6805 establishes the framework for safeguarding the privacy of consumer financial information. Financial institutions, such as banks, are required to provide customers with clear notice of their privacy parties and practices, as well as afford customers the opportunity to opt out of certain information-sharing arrangements. Additionally, these laws require stringent security measures to safeguard against unauthorized access or disclosure of customer information. 

Similarly, 15 USC 1681, under the Fair Credit Reporting Act ( FCRA ), governs the permissible uses and disclosures of consumer credit information. The FCRA imposes stringent requirements on consumer reporting agencies and entities that furnish information to these agencies, ensuring the accuracy, fairness, and privacy of consumer credit information. Disclosing consumer credit information to third parties without explicit consumer consent or a permissible purpose violate the FCRAs provisions. 

Furthermore, the Privacy Act of 1974 establishes controls over the collection, maintenance, use and dissemination of personal information by federal agencies. Although primarily applicable to federal agencies, financial institutions may be subject to its provisions if they maintain records containing personally identifiable information obtained from federal agencies. 

The terms and conditions outlined in the privacy notices of Wells Fargo XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX emphasize consumer rights to privacy and prohibit the unauthorized disclosure of personal information. By disclosing personal financial information to third parties without proper consent from the consumer, these banks may be in violation of their own terms and conditions as stated in their privacy notices. 

Despite attempts to rectify this issue through direct communication with the customer service departments of Wells Fargo XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, their responses have been unsatisfactory, lacking adequate explanation or remedy for the breach of privacy. 

Enclosed with this complaint are copies of relevant documentation and any other pertinent evidence to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Product: Debt collection

Portfolio Recovery Associates, LLC is claiming that I owe on XXXX seperate debts : Account # XXXX in the amount of {$650.00} as of XX/XX/XXXX Account # XXXX in the amount of {$1900.00} as of XX/XX/XXXX When asked on XX/XX/XXXX and XX/XX/XXXX via certified mail, they failed to fill in the date portion to when they actually received my letters denying my right to time stamp them. I asked if they could verify that I in fact owe on these debts and they failed to provide a copy of any alleged contract or other instrument bearing my signature stating that I signed for such accounts. They responded by sending a printout of a bill. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX states that a printout of a bill or itemized document does not constitute verification ( FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX ). 

When asked that they dispute these account with the credit bureaus they failed to do so which violated my protection under the FDCPA section 807 ( 8 ) I believe this is a corrupt company trying to deceive me.
Product: Credit reporting or other personal consumer reports

I am filing this affidavit to report five fraudulent accounts on my TransUnion credit report that I do not recognize and that are the result of identity theft. The details are as follows : Fraudulent Accounts : Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the removal of these fraudulent items from my TransUnion credit report and that all collection activities related to them cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This complaint is also submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the information resulting from identity theft within four business days of receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, XXXX I was notified that my personal information to include my social security number, address, DL number etc. has been compromised and is now public information by the incident with equifax. 

I believe this is improper use of my report and was without my consent. Equifax used my private information improperly and put my identity at risk to be stolen.
Product: Credit reporting or other personal consumer reports

I looked at my Transuion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I have a significant amount of cryptocurrency with Coinbase. They have wallets and a " vault '' which was recommended to me by Coinbase to put my funds in so that they were safer. I have been trying to pull the funds from my vault into my Bitcoin wallet for 5 months. I have an exhaustive compilation of emails and phone records involving over 20 emails and over a dozenlong phone calls. Their system does not work, and when you call support they claim the phone support people can not resolve it and it needs to be given to a " specialist '' who does not have a phone. Convenient. I have been told more times than is fathomable on the phone and via email since XX/XX/XXXX that my case was being " escalated to a specialist, and they would rectify the problem and release my funds ''. Nothing. Not a single email or resolving my problem. This is criminal negligence. 

My name is XXXX XXXX and my Coinbase account can be provided upon request but I do not wish for it to be published.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX  XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Product: Checking or savings account

I bank with Navy Federal Credit Union and my family has for years. There has been multiple occasions where I will have enough money in my account then be charged an overdraft fee which causes my account to be in the negatives. I have also transferred money into my account using third party like XXXX  or XXXX to make sure i have enough and then still get hit with an over draft fee that puts me in the negatives. As of now I have no longer used Navy Federal ad my main bank due to this issue, I havent had this happen with any other bank. 

XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee {$230.00} worth of returned check fees as listed in statements
Product: Debt collection

I received a letter from attorney firm representing a collection agency trying to intimidate me into volunteering my personal financial information over to them as a means to collect on this debt, which also implied they would take action against my home if I did not reply. Followed by that letter was another letter stating the debt.
Product: Credit reporting or other personal consumer reports

This account was paid. This account is not a charge off account as stated on my credit account. The account was satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX  XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$58000.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX  XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX, that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX XXXX XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify these debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE 1 XXXX XXXX XXXX  ACC # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE 2 XXXX XXXX XXXX ACC # XXXX OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$170.00}, XXXX  XXXX/XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/23, someone fraudulently used my debit card, multiple transactions in the amount of {$3700.00}. The merchant was XXXX. The transactions posted on XX/XX/23. 
I received an email on XX/XX/23 that my account had over drafted and I immediately checked my account to see what happened. I saw the fraudulent charges and immediately notified the bank of the issue. I blocked my card through the online banking website and responded to the alert of suspicious transactions as soon as possible, same day. I went to the bank the very next morning to file a dispute. 
On XX/XX/23, the bank declined my dispute saying that we had used the merchant in the past. Yes, we have used the merchant in the past, but not in this manner or this amount. On the same day, XX/XX/23, I contacted the fraud department and asked them to reopen the case and I sent proof that the transactions were not mine. I attached screenshots of our XXXX account payment center, showing that we only had two XXXX transactions for advertising, which totaled approx. {$100.00}. We only approved these two transactions earlier this year. I also filed and attached a police report. We are asking assistance in getting this resolved as this is fraud and we should be protected against this.
Product: Mortgage

I'm writing you in regards to a Veterans interest rate reduction refinance ( IRRRL ) loan I received from Freedom Mortgage Corporation. My intent was to refinance my 2nd home that I do not use as my primary residence in which it was fully discussed with Veterans Loan Advisor XXXX XXXX NMLS # XXXX and that I have not lived in it since XXXX when I purchased what is now my primary residence. Since interest rates are low, I wanted to also refinance my conventional loan for my primary residence but was told by XXXX XXXX that he did not do conventional loans and that I should wait until my IRRRL closed. To me it made sense so there would be no confusion with loans. My IRRRL closed on approx. XXXX XX/XX/XXXX. I then attempted to contact Freedom Mortgage to start my refi for my primary home with no return phone calls or emails from customer service. I then contacted XXXX XXXX to refi my primary residence before interest rates go up. After reviewing my loan documents they discovered that Freedom Mortgage did NOT finance my VA loan as a 2nd property/investment property but as my Primary residence and that I could not refi my primary home until this was resolved. After reaching out to Freedom Mortgage they would not change my loan or issue a waiver. They understood that this wasn't going to be my primary residence and even advised me to wait to start the other refinance until theirs was finished and my assumption is because underwriters would find out about the other loan and question why both are showing as primary. 

I also received an email dated XXXX XX/XX/XXXX from XXXX XXXX requesting a letter or email indicating the month/year to month/year that I lived at the residence being refinanced.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. [ XXXX XXXX XXXX & XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX  XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] are not complete and accurate. 

[ XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Debt collection

This company, Midland Credit, has been calling repeatedly and sometimes twice a day regarding a collection account that is XXXX years old and can no longer be collected. 

Phone number is XXXX. They have also been calling my husband and he was not even involved in this collection. Dates XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice, XX/XX/XXXX twice and they also called my husband. 

I asked them to please stop calling and have also disputed collection on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to EQUIFAX that I want to dispute specific records in my credit file that do not belong to me, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Debt collection

Accessed my XXXX XXXX file and noticed that AMERICOLLECT who is a third party debt collector is reporting on the credit bureaus a medical bill from XXXX  XXXX XXXX XXXX XXXXA debt validation letter and cease and desist letters will be sent out to AMERICOLLECT, XXXX  XXXX and all credit reporting agencies disputing this inaccuracy on my and violations against me by the said companies.
Product: Credit reporting or other personal consumer reports

Delete inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The XXXX XXXX was paying for the XXXX  and they deleted the XXXX  before I could complete it. Now I am being charged for a course they no longer have. The pays for XXXX  % percent of my XXXX.
Product: Mortgage

Up to one week prior to closing, I was working with XXXX XXXX on my mortgage. On Tuesday, XXXX XXXX, I was notified that XXXX was no longer with Element, and I would be working with XXXX XXXX and XXXX XXXX. 
When I was introduced to XXXX by XXXX XXXX at XXXX ( our builder ), I already had a mortgage. I was enticed into switching to Element to take advantage of a builder $ XXXX credit toward closing costs, and a lender $ XXXX credit toward closing costs. 
On XXXX XXXX, I inquired with XXXX XXXX and XXXX XXXX about the HUD, as I did n't think it was correct ( email attached ). I continued to ask if everything was correct, and if we were good to close on Friday. I received an email from XXXX stating " yes ma'am, we were all set for Friday ''. At no point did XXXX or XXXX tell me that we were not getting the $ XXXX closing credit from Element. It was n't until XXXX hour past the scheduled closing time that we received a new HUD, which did not include the lender $ XXXX credit. 
Upon receipt of the incorrect HUD ( at our closing appointment ), we rang Element. Neither XXXX nor XXXX answered at first, and we were forced to sit at XXXX XXXX office waiting to hear back. I did end up hearing back from XXXX and XXXX, and they said no, you are not receiving a credit from us. 
I was extremely upset, and was told to speak with a Manager at Element, I believe his name was XXXX ( XXXX ) the number he called from is XXXX. The manager agreed to a $ XXXX credit, and in the same conversation said he had to fire the entire division that XXXX worked in- which leads me to believe that the issue is much larger than just my mortgage. 
This is mortgage scam/ fraud to lure customers in, not answer their questions, and spring changes on them when it 's too late for you to do anything about it. I was forced to continue with the closing or essentially become homeless.