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

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights and I am aware as a natural consumer. 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. 

This Issue was resolved with XXXX. As a result the account was removed from my credit file, showing that you TransUnion are intentionally tarnishing my credit report, bringing me distress and embarrassment. I want the Account removed from my credit report immediately.
Product: Debt collection

I need to dispute this fraudulent collection from my XXXX credit file. This bill was taken care of by XXXX XXXX XXXX due to the incorrect spelling of my name ( as seen in attachment ). My health insurance rejected the bill due to my name being misspelled. 

Correct Spelling : XXXX XXXX XXXX spelling XXXX XXXX
Product: Credit reporting

XXXX XXXX holds an auto loan in mine and my daughter 's ( XXXX XXXX ) name. The loan has been paid every month on time through ACH and we have the documentation to substantiate. For some reason, this month they decided to show it as closed and sent to collections. My daughter has been on the phone with XXXX XXXX all morning and no one can explain why this has happened and what their plan is to correct it. This is not correct. We still have the car. The payments have been made on time every month. Help!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, emphasizes the importance of consumer reporting agencies acting with fairness, impartiality, and respect for individuals ' privacy rights. Both XXXX and Experian fall under the category of consumer reporting agencies, and as a consumer, I am concerned about the protection of my private information, which is supported by 15 USC 6801.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only disclose consumer reports with the written consent of the individual concerned. However, neither the financial institutions nor the consumer reporting agencies have my consent to share this information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to third parties without offering consumers the option to opt out of such disclosures. However, I was never informed of my right to exercise this option by the financial institutions. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, XXXX, XXXX and Experian are reporting adverse items without my consent, which is against the law. 

According to 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific purposes. However, XXXX, XXXX and Experian are not maintaining reasonable procedures in this regard. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. Therefore, I am formally opting out of the reporting services provided by XXXX, XXXX and Experian.
Product: Bank account or service

In the past few weeks, I have been in a dispute with my bank about not being given a provisional credit for an unauthorized debit transaction by my cable company. In my complaint, representatives were uncooperative and would not issue a provisional credit during the investigation as they had done previously with my disputes. Plus, I had complained about the number and frequency at which I had been charged overdraft fees. After all of this trouble I told my bank I will be closing my checking account at the end of the month. I spoke with several representatives and filed a complaint through the banking system. Still to no avail, the response I received from my complaint was how to file a dispute. I responded to them by stating I was not seeking help, I was only trying to file a complaint on the issues I was experiencing. Then last week I received XXXX checks in the mail to participate as a XXXX. I deposited the checks into my account and the checks were placed on hold until XXXX/XXXX/2015. I had not withdrawn any funds from those checks and was following bank policy by waiting until the checks cleared according to the date given. Today, I tried to log into my account and could not. Then I called the bank and was told they had closed my account due to the checks I deposited were fraudulant. I told the representative, I had no idea and I surely did not know that. I told her that I did not try to withdraw funds ahead of time from the account and followed protocol when it comes to receiving checks that you are not sure of. I was told by the representative I have no recourse and my account would remain closed. I asked what is supposed to happen to my XXXX check that is to be deposited in XXXX days, she stated the bank would issue me a check. I know the bank has taken this opportunity to close my account before I can close it myself thereby holding this against me. If it goes on record that I committed fraud with my bank, this could cause me to have problems getting other accounts. It 's already causing me major inconvienences by closing the account at this time. They know I have direct deposit and automatic drafts set up for bill paying and how much of a hardship this would cause. If I had tried to get any of that money from the account before it was released by the bank, I would have understood why they closed the account. According to their policy, proper procedure would be to reverse the deposit and mail the insufficient checks back to me or I would have been contacted by phone. After finding out these checks are fraudulant, I will be filing a complaint against this XXXX company that sent the checks to me.
Product: Debt collection

I C System has been calling to collect the debt from XXXX XXXX  of central XXXX. Not only have I paid off the security system before I sold the home 5+ years ago. They wont stop calling me very early in the morning I have been working in XXXX on and off for the past few years and I am getting collections calls as early as XXXX local time. They are very unprofessional and verbally abusive when it comes to a matter that they dont have all the facts about. In addition to that there was an unjust derogatory mark submitted. For {$1000.00}. After I paid everything that was agreed in the initial contract from 2012
Product: Bank account or service

I issued a check to an air conditioning repair company for a job they did fixing an electrical circuit that shorted. The vendor then cashed the check which was fine, they then destroyed the check. However, somehow the check was found having been destroyed by being torn into shreds, it was then taped together and a new payee was rewritten on the top of the check over the vendors name and redeposited. The same exact check was thus deposited other than the obvious sign that its payee had been changed, the same check number, date, account number and routing number were used. It was apparent that electronic check deposit must of been used to cash the check both times since neither time the bank required it to be kept. I contacted the bank regarding the fraud and they stated since it was over 60 days that they were no longer liable and that I was, however, I read in the commercial code that the bank cited that the bank must first utilize reasonable care which it did not since it was a check that was obviously a fraud and was deposited twice, any individual could deposit a check multiple times and receive payment each time. Also according to consumer regulartions I read the following ; Unauthorized EFTs Not Involving an Access Device : Comment XXXX it clearly states that had they been notified within the 60 day period and been able to delay payment they would have I then notified the bank regarding this and that they must investigate it but they would not, they simply put me on hold for a long time transferred me around and then said someone would call me back and I never received any additional notice. 
I then read that the CFPB helps to enforce the rules and regulations devised to maintain the order of business so I hope that something can be done to ensure that the bank maintain its requirement to do a reasonable job to prevent fraud and that they must investigate and unless it could 've been prevented had they been notified within 60 days they are still liable and must reimburse my cost of this check. I have cited the section below ; The consumer liability rules are slightly different when an unauthorized EFT does not involve an access device. Most important, the XXXX tiers of liability do not apply ; that is, the institution may not hold a consumer liable for any portion of any unauthorized EFT not involving an access device that occurred on or before the 60th calendar day after the institution 's transmittal of the periodic statement showing the first unauthorized EFT.XXXX Instead, an institution may only hold the consumer liable for an unauthorized EFT not involving an access device if the transfer occurred more than 60 calendar days after transmittal of a periodic statement showing the first unauthorized EFT out of the consumer 's account and before the consumer gives notice to the financial institution, provided the institution establishes that the unauthorized EFT would not have occurred had the consumer notified the institution within the 60-day period.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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 or other personal consumer reports

I looked on my credit report and found all kinds of inquiries when I didnt authorize these companies from XXXX to XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have reported numerous accounts & inquiries to no avail. I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, experian consistently responds within 24hrs stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the FCRA, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have listed said accounts below. 

INQUIRIES 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 XXXXXX/XX/XXXX
Product: Mortgage

After storm damage to the my residence at the insurance company XXXX XXXX, issued checks to restore the property damage. 
Since there is a mortgage on the property thru Ditech Financial LLC South Dakota. XXXX of the checks had XXXX names for endorsement, the homeowner and the mortgage co. 
We sent the check along with all the required paperwork that they asked for and have been waiting for the return check so the work can begin. 
After repeated calls about the status of the issue ... we feel like we are getting a run around ... because each time they come up with some other reason for not returning the money even when we state that more damage is ongoing with the lack of repair.
Product: Mortgage

I 've been dealing with this situation since XXXX. I 've negoiated and paid them, only to have them contrive fraudulent payment history. At one point, I over paid them and filed litigation in XXXX XXXX against more than 25 defendant, over half being " secrete '' insurance companies. After the first court hearing, OCWEN advised they would honor my Due Process rights as well as answer the mandatory 12 USC 2605. I dismissed without prejudice my case but the defendant FAILED to comply. 
The attorneys contrive fraudulent claims they are processing the MANDATORY QWR but fail to do so. Then every 6 months to a year, they file, WITHOUT NOTICE to myself, a new foreclosure action, hoping I 'll miss it and they can get the court to " Sneak it '' thru the system will violating 12 USC 2605 and blocking me from ID litigation parties and filing a lawsuit against the proper parties instead of more than 25 defendants, unless all 25 defendants are guilty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance  : {$9800.00}.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX HWY XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I am writing to express my dissatisfaction with the handling of my dispute with a company i ordered from online. On XX/XX/XXXX, I placed an order with XXXX XXXXXXXX XXXX for the amount of {$750.00}. However, upon receiving notification of delivery on XX/XX/XXXX, I was unable to locate the package. 

I contacted their customer service department regarding this matter, but was informed that no further action would be taken on your end as the package was shown to have been delivered. I also reached out to the carrier but was advised that the vendor should communicate with them to resolve the issue, which to my knowledge, was never attempted by the vendor. 

As a result of these unsatisfactory responses, I filed a dispute with my bank on XX/XX/XXXX under reference number : XXXX. Unfortunately, my dispute was sided with your company due to the tracking evidence submitted, which I personally do not consider to be sufficient burden of proof. 

Furthermore, I noticed that the vendor had decided to ship out my items without a signature required and was not willing to further address the issue. I have attempted to resolve this matter as a responsible consumer by reaching out to the vendor, however, I was not given the opportunity to have a productive conversation. 

I was not satisfied with the outcome of my initial dispute and filed to reopen the dispute on XXXX XXXX to provide my side of the story, but this request was sided with the vendor again on XX/XX/XXXX. I am disappointed that the vendor simply copied and pasted the first evidence submitted in the dispute process and was unwilling to consider my perspective. 

I urge you to investigate this matter further and take appropriate action to rectify the situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several accounts and inquiries from my credit report due to my involvement in a recent data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries impacted by identity theft or a data breach blocked and subsequently removed from my credit file.

Below is a list of the affected accounts and inquiries that should be blocked and deleted in accordance with the aforementioned laws : Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

Transunion is not allowing me access to my credit report and records of the disputes. When I log into the portal and request free credit report because I am on XXXX XXXX and applying for employment within the next 60 days. The portal just continues to deny access to me viewing my credit report and states invalid credentials, but this is not true. would like to be able to see my XXXX XXXX XXXX, freeze status and fraud alert status. I should be able to use the security free and fraud alert function IF I need to, but the website is not giving me any option to do so and when I call Transunion they state there is a " glitch '' in the system. Transunion is in receipt of my current government issued identification and social security number.
Product: Debt collection

They called and stated someone would need to be home when a package is delivered. Then proceeded to say it was a summons suing me for the collection of an HSBC MasterCard that I have never had and did not open. When I told them this they said it did not matter because I was lying and my wages will be garnished, bank account seized, and a lien filed on my home. The collector also stated that we should not report them to you because you only ever answer 1 %. I asked them to cease all communication and he has continued to call and leave voicemails advising against reporting them because it will make the situation worse for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called cbna and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with XXXX  directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX XXXX ) has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

On Saturday XX/XX/24 at XXXX XXXX time, I received a text message from XXXX Your Chase card needs attention. Please go to chase.com or call XXXX. Reply STOP to opt out of text msgs to this number. 
Unbeknownst to me this was a fraudulent Tex. Unfortunately, I clicked on the phone number and spoke to someone who asked for the last four digits of my social security number, which I gave. The man kept pushing, wanting {$550.00} in payment. So I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a verification/validation letter on an account that is reported on my report. I have not receive any response back.