23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 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: 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. 

I told the XXXX, Transunion, and XXXX to remove these fraud accounts listed in the FTC complaint and police report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

Yes I recently noticed missing money from a cash app card. Their was no record of the missing money and nothing showed on transactions. The amount available was just missing the funds. I went back and started adding up transactions and found more money missing. I contacted cash app support and through E-mail only was able to find out after several E-Mails on their end they said account showed a business account and had been converted. On my app it showed personal. They stated a additional 3 % per transaction was taken for a business account. I ask for any information on how or when this took place and no information was or could be provided. They simply said it was converted back to personal. I explained I didnt convert it and ask for mire information again on how or when this could have happened and a record of how much was taken. They stated no information could be provided. I ask to speak with someone and was ignored. Their is nothing on app or online showing anything about any of 3 % taken from the account. It was just missing from available funds. They wont answer any questions and will not refund any missing funds .. To me not showing money taken or not being able to get any information on when a account was converted or even a record of deductions is a very fraudulent thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to violate the Fair Credit Reporting Act by reporting RE-AGED XXXX  XXXX account XXXX. This account has been RE-AGED from XXXX to XXXX. RE-AGING account is a violation of the FCRA. I have provided additional proof documentation directly from the credit report showing the account has been re-aged. I have circled and highlighted the violations of reporting re-aged account by Equifax. This account has multiple FCRA violation by Equifax. I have documented the other Fair Credit Reporting Act violations by Equifax with this dispute. Please see attached credit report showing all FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was supposed to close on a hard money loan with XXXX XXXX XXXX on XX/XX/XXXX. He told me they don't do loans on commercial properties but still pulled my credit without my authorization on XX/XX/XXXX. A XXXX search of the company quickly reveals they have scammed several people
Product: Money transfer, virtual currency, or money service

I applied and received a Citi bank card where I could do balance transfers with no interest for 24 months. 
I transferred a XXXX balance .and an XXXX that is XXXXXXXX XXXX XXXX I was unaware at the time XXXX did not allow balance transfers. 
Upon looking at the Citi account there was a transfer, but it was not my account. I spoke with customer service several times and also wrote a letter of demand in XXXX to remove the XXXX transfer and reimburse me transfer fees. 
Each inquiry was given a 30 days to investigate. 
Each month XXXX, XXXX & XXXX customer service said it would open a 30 day investigation. I have not had the transfer removed and no communication from Citi. 
The last communication I was told to report my Citi card lost or stolen and this would freeze the account. I did not do this. I want that transfer removed and reinbursed the fees charged.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Wells Fargo keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding Wells Fargo dealer services. The account and car was charged off over 3 years ago. And we have already been through this process with Wells Fargo and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. XXXX call center is in the a different country and we ca n't get anywhere with them. This Wells Fargo needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I am working XXXX jobs right now to pay off my balance and I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My property was stolen my cards were used fraudulently i reported it to the companies they refused to remove the fraudulent charges
Product: Debt collection

I am a first-time home buyer and purchased a mortgage with XXXX XXXX  in XXXX of 2020. My first payment was due and made on XXXX XXXX, 2020 for its full amount of {$940.00}. Soon thereafter, my loan was sold to Specialized Loan Servicing ( SLS ). When I received my second bill in the mail, it was from SLS in the amount f {$1800.00} ( exactly double my loan amount ). I called SLS Customer Service department and was advised that my first payment probably had not been sent over from my prior servicer yet. I was instructed to make my normal payment amount and that once the payment was received from XXXX, it would be applied to my account. So my second payment that was due on XX/XX/2020, was made in full for the amount of {$940.00} on XX/XX/2020. I found that the issue was still not resolved and called XXXX XXXX ( my prior servicer ) and was given a wire reference number # XXXX that was made from XXXX XXXX  to SLS on XXXX, XXXX 2020. I gave this information to SLS and they opened a claim to try and find the missing wire. I continued to make my payments on time as if the issue didn't exist ( XX/XX/XXXX and XX/XX/XXXX ), in order to stay on top of my payments but unfortunately, since the initial payment is what is " missing, '' my payments are being applied a month in arrears. This claim has been open for two months now and the wire still can not be located and it doesn't even seem like anyone is trying to locate it. I've been told that a manager will call me back six times now and have not received one phone call. I have called SLS a total of eighteen times in the past two and a half months hoping to get this resolved, and have even had my prior servicer reach out and none of it has gotten me anywhere. I am now being charged late fees and will be taking a hit to my credit if this is not resolved soon, even though I have made my payments early each month and SLS can not /will not locate the wire made to them from XXXX XXXX  on XX/XX/2020.
Product: Debt collection

I XXXX XXXX filed a Fair Debt Collection Practices Act ( FDCPA ) protest against XXXX XXXX XXXX ( XXXX ) collection this past XX/XX/XXXX. The debt in dispute pertains to an old Capital One account that was satisfied several years ago through another collection agency in XX/XX/XXXX. Since that time, I have re-established credit and have procured another Capital One credit card. Capital One has already deleted the old account from all of my credit bureaus based upon the 7-year timeline of the Fair Credit Reporting Act. XXXX has acquired information on me through an illegal debt pooling agreement, whereas my information floats to various collection agencies. Just because XXXX sends out validation letters does not validate a collection. Based upon a court decision in XX/XX/XXXX against XXXX called Federal Trade Commission v. XXXX XXXX XXXX, XXXX must show proof of ownership of a debt or proof that Capital One has extended approval on the collection. The attached FDCPA collection letter was explicit on the actual process that is required legally. The FTC case also stipulated that the bebt must be within the legal timeline where it could be collected based upon the sate law guidelines of the consumer 's residency. In essence, XXXX is trying to collect on a debt that has already been eliminated from any legal collection process, and that the legal timeline where the item could be carried on credit from the original creditor has passed. XXXX is in violation of both FCRA and FDCPA regulatory guidelines passed by Congress. Accordingly, this item must be deleted permanently, and my file information must be voided by XXXX. THIS ITEM POSTED IS ILLEGAL!!! <P/>XXXX MUST DELETE ITEM AND PURGE MY INFORMATION!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed several items but specifically two inaccurate entries on my credit report with XXXX and TransUnion. Despite providing supporting evidence, both credit reporting agencies failed to conduct reasonable investigations or correct the inaccuracies. 

XXXX XXXX XXXX XXXX Credit Card Account : The account is inaccurately reported as " charged off '' with a balance of {$610.00}. However, I received a letter from XXXX XXXX Bank confirming that, as of the date of their letter, the account does not have a credit balance and no refund is due. This demonstrates that the account should reflect a {$0.00} balance with no charge-off status. Despite this, both XXXX and TransUnion continue to report the account inaccurately. 

XXXX XXXX Reporting by TransUnion : TransUnion is inaccurately reporting a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, Case No., XXXX on XX/XX/XXXX ) that has been removed by other credit reporting agencies specifically XXXX after proper investigations. I have repeatedly disputed this inaccurate bankruptcy entry, but TransUnion has failed to correct it or provide proper investigation results justifying their continued reporting. 

Both issues have caused significant harm to my creditworthiness. Despite multiple disputes, neither XXXX nor TransUnion has fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of the information or to investigate disputes thoroughly. Their continued reporting of this inaccurate information is damaging and unacceptable.
Product: Checking or savings account

I can not access bill pay on my computer using XXXXXXXX XXXX. I can access bill pay on my app however. Everytime I try to log onto online banking ( phone or computer ) it is asking for security verification. Typically you do this once if you are using the same device and from the same place etc. I had to do this about 6-7 times today and that is not normal. I need the XXXX XXXX  alert removed and all restrictions released. I called Regions and put in a ticket XXXX today XX/XX/XXXX. 

I previously experienced similar factsets and there was no fraud ; Regions was being overzealous in fraud protection and locked me out of online banking XX/XX/XXXX CFPB compliant XXXX. That ticket with regions was ticket XXXX.
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 605b 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 XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance : -, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit card or prepaid card

I receive my SSDI benefits on a ComericA Bank card. For three days I have been trying unsuccessfully log into my account but can not and the password recovery option is unavailable. I am trying to close account to stop fraudulent charges but when I call customer service at XXXX to cancel and get a new card the automated message says because of call volume they can not take my call. I now have NO way to contact this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX CT XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

At the end of XX/XX/XXXX or XXXX, 2021, I went out of town for a funeral and family gathering. There had been a big fight which ended in a shooting in our neighborhood which reached our family. One of the persons fighting was around. There fights had been going on and off. I explained to wells fargo that I did have a police report but it wasnt the one directly for this incident. While we were out of town conducting one of the funerals, a fight took place back home and things were detroyed and taken. My identity had already recently been stolen when my vehicle was broken into earlier this year. When I came from out of town, I checked my bacnking, as I was going to make a purchase but couldnt find my card. I'd been out of town for about XXXX days, from the end of XXXX, beginning of XXXX until the XXXX or XXXX of XXXX. I explained to wells fargo that we think we knew who did it but weren't sure becuase when we returned, th eplace was trashed. I just assumed it had something to do with the fights between a younger cousin and his classmate, which lead to the deaths that were at hand. I fioled a dispuite and was only told I authorized the transactions when the card wasn't even in my possession. I am at a major loss right now. I lost over XXXX dollars. The person went to places I've been, which are common plqces and some that Ihave no idea about. Either way, I lost money that I need to feed my family and kids. WHAT DO I DO> PLEASE HELP! MY ID, social and everything has been taken. I've had issues since! It's horrible!