23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, a unauthorized account was created and used in my name and was observed on my credit report. My information was hacked and was compromised/ exposed on the Dark Web in XXXX and also in XXXX. I am currently in a court settle agreement with XXXX  for several data breach leaks. They have already corrected the unauthorized information and deleted inaccuracies on my credit report. I have filled a theft identity report and have reported this fraudulent account information to XXXX XXXX and I was advice to report it to the credit bureaus for deletion. When accessing Experians website to view my credit report. It clearly shows that on the XXXX XXXX my credit file was locked, inaccurate and unauthorized information was reported. It also shows on Experians website that my social security number and email address. An address that belonged to a relative that I did not reside at the time was used to obtain a credit card account with XXXX XXXX via mail/ via web which is risky. I reside at a different address ( See credit bureau report attached with dispute of address I reside at in XXXX and also credit file lock ) My phone number, work information and name was found In the ( Dark Web ) and used accross the web without my knowledge or consent. I have been harassed by XXXX XXXX, have received many after hour calls and was told that even if the account was not authorized, they will still collect moneys not owed to them. I have obtain a lawyer that is working this case. A collection agency on the behalf of XXXX XXXX has been calling/ threatening me and also informed me that this account was Sold to them and I need to pay them. Attached with this dispute are documents proving my address was a different address that was reported to the credit bureaus prior in XXXX, where I resided. Also documents that my credit file with Experian was locked in XXXX XXXX. I was not contacted by XXXX XXXX or sent any documents in reference to this account being opened by me or to confirmed. My information was compromised and this account was opened via web without my consent or knowledge. I was not aware at the time to contact law enforcement and was also told to do a identity theft report once I observed this fraudulent information on my credit report. This account is damaging my credit file and this needs to be removed immediately. XXXX XXXX has been theft in reference to overdraft fees and fraudulent opened accounts and trying to collect moneys from the victim to gain profit. Listed below are also several unauthorized hard inquiries that was not consented by me. 1 ) XXXX XXXX- on XXXX, 2 ) XXXX XXXX XXXX XXXX and 3 ) XXXX XXXX XXXX. My drivers license was loss and replaced on XX/XX/XXXX. A few months after this account was opened by a unknown person.
Product: Credit reporting or other personal consumer reports

Someone tried using my SSN to sign up for a credit card on XX/XX/2022. The credit card was never opened but there was a hard inquiry on my credit report at XXXX because of it. I've contacted Wells Fargo twice about this issue. They told me they would take care of this and contact the credit bureau both times but the inquiry remained on the credit report. I contacted XXXX and the representative told me they never received any request from Wells Fargo. I did not save the letter from Wells Fargo the first time but I did save the letter from them when I tried to resolve this issue the second time. I tried to contact them again today but I got transferred to 4 different departments until I ended up at the original department and told me I would have to file the dispute with them again. I have no idea what to do at this point but to report this to CFPD
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in accordance with the fair credit reporting act the list of accounts below have violated my federally safeguarded consumer right to privacy and confidentiality under USC 1681 Students loans XX/XX/XXXX, {$1800.00} XXXX, XXXX  {$190.00} XXXX XXXX XXXX {$380.00} XX/XX/XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Credit information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602- 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 an account without my written instructions 15 U.S.C 1681c ( a ) 5 sections state no consumer reporting agency may make any consumer report containing any of the following items of information or 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 section 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
Product: Vehicle loan or lease

The vehicle which is a XXXX ( XXXX ) XXXX was repossessed due to the difficulty to pay the note which included a 24 % interest rate. I was told that the rate was 22 %. I attempted to sell the vehicle but the value was low. The vehicle was taken in XX/XX/XXXX and sold in XX/XX/XXXX. I was not aware of the sale date as the lender -XXXX told me that the vehicle would be sold in XXXX. I could have gotten it out of repo status but I thought it was sold. 

Now the debt has been sold to WAYPOINT XXXX AND THEY WANT ME TO PAY {$12000.00} and will not accept anything less.
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 protect consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 conviction 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: Mortgage

Mr Cooper notified me that my information was involved in their latest data breach. 

1 ) Why did they have that information in the first place. Our loan was paid off in XXXX of XXXX  through XXXX XXXX XXXXXXXX. 

2 ) Why do they still have records on file that would contain sensitive date when I'm not an active borrower? Aren't their laws against that? 

3 ) I'm being told my information can't be scrubbed now due to that date leak. When can it? 

4 ) What are you doing to correct this type of security leak? 

5 ) What is Mr Cooper doing to prevent data leaks or hacks. 

I don't have an account number with this company it's been 8  years since the loan was paid off. I zero 'd out the account number. 

Thank you
Product: Vehicle loan or lease

I was sold a lemon car. The engine cracked right before we made a year on the car. I was told there were no issues with the car and it shut down on us on the middle of the freeway in XXXX of XXXX 

When I tried to read the dealer and the dealership about the situation. The car salesman that helped us moved off island and the dealership closed down. 

We were left with XXXX in loan debt because no one would help us. That was the first car we ever bought from the dealership too.
Product: Debt collection

I just pulled my credit report XX/XX/XXXX when I noticed a derogatory mark opened on XX/XX/XXXX. I was XXXX at this time and was just released from XXXX on XX/XX/XXXX. I have no knowledge of this collection.
Product: Credit reporting or other personal consumer reports

Absolutely, here 's the modified version with the additional details : In accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and Experian, being consumer reporting agencies, are bound by these standards. As a consumer, I affirm my right to safeguard my private information, as underscored by 15 USC 6801, which underscores financial institutions ' obligation to respect customer privacy. 

As stipulated by 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit, written consent from the affected consumer. Neither the financial institution nor XXXX and Experian have procured my consent to share this information, thereby nullifying any implicit or assumed consent. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a prerequisite not met in this instance.

Additionally, 15 USC 1681C ( a ) ( 5 ) unequivocally prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX XXXX XXXX is being reported without my consent, which constitutes a violation of the law. It's imperative to note that the debt associated with this account has already been discharged. 

Furthermore, in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and Experian are obliged to uphold accurate information and implement reasonable procedures to prevent violations, responsibilities they are currently neglecting. 

Considering the aforementioned violations and discrepancies, and in accordance with 12 CFR 1016.7, I hereby assert my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX & XXXX XX/XX/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
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 number : # XXXX, Account number : # XXXX, Account number : # XXXX, Account number : # XXXX, Account number # 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 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

On XX/XX/2021 my credit card was illegally used without my permission at Dior Events for {$6700.00}. The following day, XX/XX/2021 the same credit card was charged {$3300.00} at XXXX XXXX. Lastly, the same credit card was charged {$63.00} at XXXX on XX/XX/2021 also without my consent. I notified Chase Bank a few weeks after the transactions happened and let them know that I was out of the country when the transactions occurred and did not authorize them. Chase submitted a fraud claim and returned the funds to me, then proceeded to reverse the credit that was extended back to me from the fraudulent charge reversal and told me that i was responsible for the payments. I told the rep on the phone that I would need an explanation as to how they were able to justify that i was responsible for the charges but was told that they could not disclose anything to me.

Pursuant to 15 U.S. Code 1643.Liability of holder of credit card : ( 1 ) A cardholder shall be liable for the unauthorized use of a credit card only if ( A ) the card is an accepted credit card ; ( B ) the liability is not in excess of {$50.00} ; ( C ) the card issuer gives adequate notice to the cardholder of the potential liability ; ( D ) the card issuer has provided the cardholder with a description of a means by which the card issuer may be notified of loss or theft of the card, which description may be provid
ed on the face or reverse side of the statement required by section 1637 ( b ) of this title or on a separate notice accompanying such statement ; ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise ; and ( F ) the card issuer has provided a method whereby the user of such card can be identified as the person authorized to use it.

( 2 ) For purposes of this section, a card issuer has been notified when such steps as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information have been taken, whether or not any particular officer, employee, or agent of the card issuer does in fact receive such information. 
( b ) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection ( a ), have been met. 

( c ) Liability imposed by other laws or by agreement with issuer Nothing in this section imposes liability upon a cardholder for the unauthorized use of a credit card in excess of his liability for such use under other applicable law or under any agreement with the card issuer. 

( d ) Exclusiveness of liability Except as provided in this section, a cardholder incurs no liability from the unauthorized use of a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the administrator of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX  correspondence be electronic as I travel XXXX XXXX of the time for work ( XXXX  also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.
Product: Debt collection

The company has been calling my florida cell phone number multiple times per day, against state calling laws, despite me warning them previously. Just for example, I have received more th an one ca ll per day from  XXXX   XXXX  every day with the exception of the  XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report.
Product: Credit reporting or other personal consumer reports

This account opened on the following date. XXXX this is inaccurate payment history reporting I should have active payment XXXX to XXXX This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. TransUnion failed to investigate this account properly. After I repeatedly asked this account to be updated. There neglect once again violated my consumers rights. I am demanding a deletion of the following account Account name : XXXX XXXX XXXX
Product: Checking or savings account

Unable to access any customer service at Capital One 360. " Contact Us '' link provides no way to contact any customer service. Only offers help articles with false instructions and a phone number with only automated information. Getting a live representative on the phone who will hear and resolve a problem is near impossible. Getting a supervisor or someone with authority to resolve an issue is also near impossible. Nobody will explain anything. Always excuses and long holds making the customer hang up. Could never resolve issue. Capital One is unilaterally closing my account with no explanation or recourse. They acuse me of disrespect and abuse but it is Capital One which has been an abusive and disrespectful banking institution by mismanaging my funds and providing no customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 Law Requires information to be reported Accurate and Complete according to the FCRA.

The Accounts listed are all reporting inaccurate and unauthorized accounts which are a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in 2012. By law a chapter XXXX bankruptcy can stay on your report only 7 years.
Product: Checking or savings account

I opened an account with citizens bank. And since then everything has been a nightmare : someone wiped all my account. I filed a dispute with them on XXXX XXXX. Filed a police report the very next day. They said they will give me temp credit in 2 business days, that didnt happen. 
Then on multiple occasions, I was told that it will be resolved in 10 business days or I will give a credit, that didnt happen either : The customer service doesnt help, people at the branch dont help. The XXXX XXXX branch, didnt help at all. They have multiple instances as suggested on their XXXX reviews itself of their atm machines having issues and yet they continue to lie and causing me mental trauma and break all regulations and provide no assurance and keep making me jump from one department to another with no one having any answers
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights 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 written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to abuse my credit even though the credit furnisher acknowledged their error after over a year of lying on investigations. The account is closed and paid off. There is a XXXX balance. Here is a letter from the loan companies attorney acknowledging their error. If this issue is not resolved I will take this to federal court. Abusing my credit for over a year has made my family and I lose everything. Experian needs to correct my credit report immediately. This causes extreme XXXX and XXXX on my children and I. I have been fighting to correct this error for over a year now and Experian refuses to have humans resolve my issue instead Im stuck in a software algorithm with no human responses.
Product: Credit card

I applied for a Navy Federal Credit card today XX/XX/2023 and got denied, along with other applications I've applied for. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is security FRAUD. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act.