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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an 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

XXXX Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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.
Product: Checking or savings account

I tried to withdraw my money and cancel my account XX/XX/XXXX, from citizens bank in XXXX XXXX XXXX XXXX XXXX, Massachusetts, I was told that Account is inactive, and that they will send a request to activate it, and it will take till the end of the day, I came in on the XXXX and I tried again and they said its still inactive, I I kept trying my ATM card and trying to go to the bank but the account was still inactive and I was not able to access my funds. Then I was told that I need to call citizens bank and I was given a number. on XX/XX/XXXX I called the CitizensBank number they verified all my information and they said that the account will be active soon and I will be able to access my funds. I kept trying for two weeks with the ATM machines and the branch in XXXX and I still dont have access to my funds. 
On XX/XX/XXXX I calling citizen bank, and I demanded that I talk to a supervisor, the supervisor told me that she can only send an email requesting to activate the account, and that she will get back to me as soon as she gets a response. 
Its been 22 days now. My account is still an active and I still dont have access to my funds.
Product: Credit reporting or other personal consumer reports

Someone fraudulently opened a credit card under my name and SS # in XX/XX/year>. I received an alert immediately from my credit monitoring service about the card opened under my name without my knowledge and consent, so I contacted the credit card company, XXXX XXXX XXXX, to cancel the card immediately, which they did. The card was canceled and was removed from my credit report, but the hard inquiry from the credit application still appeared on my credit report, which negatively affected my credit by making my XXXX XXXX drop by XXXX points, with one of the credit reporting agencies, TransUnion. I wrote TransUnion to have the hard inquiry removed from my credit report, but they refused and said that the credit card company themselves would have to submit that request to remove the mistaken hard inquiry. After multiple written requests and phone calls to XXXX XXXX XXXX, they finally assured me that the hard inquiry would be removed within XXXX weeks - 60 days. It has been about XXXX months now, and after more phone calls and written requests to Trans Union, no one within their company apparently seems to know how to go about having this hard inquiry removed from my Trans Union credit report.
Product: Credit card

On XX/XX/year>, I disputed three billing charges for {$500.00} each total of {$1500.00} for the same product by the Merchant that was charged by me on XX/XX/year>. The Merchant gave false deception of product and later became unreachable, then Merchant illegally contacted me on XX/XX/year> with inflated price of the Order to {$1000.00}, and never sent an amended order for me to sign. After several failed attempts from XXXX to XXXX to reach the Merchant, she stated on XX/XX/year>, she would now only do 1 of the 5 products ordered on XX/XX/year>, now at {$1800.00} which voided the contract which was agreed upon when the Contract was signed on XX/XX/year> when I used my Citibank Card for {$1500.00} to pay the Merchant. 

I cantacted Citibank regarding this matter and I also found that when I provided the billing dispute information, they later changed it around to state something else, which I also believe what has caused the the delays on the {$1000.00} credit owed back on my credit card Citibank. I called Citibank and I was given the run around about the {$1000.00} dispute credit, since one {$500.00} was credit back. Citibank
Sears only returned one of the {$500.00} charges to me. When I asked where is the other two charges of the total of {$1000.00} ( 2 x {$500.00} ), I was totally ignore by Citibank.

I am asking for help with Citibank Sears with the refund return back as credit on my Sears Citibank credit card due to the Merchants misconduct and behaviors to include a scam.

Sears Citibank credit card is suppose to fight for its Consumers and since one of {$500.00} charges was returned and credited back to my account, I need help with Citi Bank to get the other {$1000.00} credited back to my account.

I have received the complete run a round from Citibank Sears regarding the credit I am owed and need your help.

Credit card company isn't resolving a dispute about a purchase on your statement
Product: Money transfer, virtual currency, or money service

I use money gram to send my {$300.00} a month mortgage payment. But on XX/XX/2019 my monthly payment was sent for {$1100.00} which was an amount greater than I normally send. Since this day I have disputed with Money Gram and they refuse to send me back my money. I have disputed with my bank and then nothing happens. I have been the victim of identity theft and I did not authorize for this amount to be taken from my bank account and it should not take 6 months to get things squared away. Please return my money. I have attached my FTC Affidavit and police report
Product: Debt collection

I just received my credit report and noticed these unauthorized items that's wasn't suppose to be on my credit profile. this has been very frustrating after recovering from XXXX. and now I'm trying to get a car and can't get approved because of it. 

in accordance with the fair Credit Reporting act XXXX Account # 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a document that I tried to take out some kind of credit in my name I did not try to get a credit card with XXXX I do not like XXXX they do not have is it in my name XXXX has allowed someone to use the likeness of my name as has Experian on trying to get a credit card that I did not ask for illegally damage in my credit this report is to straighten this situation out I do not desire to have a XXXX credit card I did not see to have XXXX for the car therefore I should not be charged my credit should not be charged in any degree for this I do not have a lot to report because I don't know anything and yeah I want to clarify that I did not try to take out a card or run my credit for a loan or anything similar thank you so much
Product: Credit card

I had an XXXX XXXX account with Synchrony Bank with a credit limit of {$10000.00} and accumulated {$1400.00} in rewards points. Synchrony recently closed my account, citing concerns that I might not pay my balancedespite the fact that my balance was {$0.00} at the time of closure. In fact, my account had a {$10000.00} available balance, plus an overpayment credit of {$810.00} in addition to my rewards points. 

When I called to reopen the account, they informed me they would not reinstate it, and I would lose the {$1400.00} in rewards points I had earned. This feels unjust, as I earned those rewards through numerous purchases, and I want either my account reopened or at least a gift card or other means to access the rewards points I rightfully earned
Product: Credit reporting or other personal consumer reports

Three issues : Multiple times I was noticed XXXX XXXX  XXXX will be removed and it should be removed asap. I have never had any relationship with that company. I am the victim of identity theft fraud meaning someone stole my identity. They used my information to open multiple fraudulent accounts. Of course the company will send it back verified because someone used my personal information that they stole. Thus it is identity theft. I am demanding it be removed asap and quit adding back fraudulent accounts to my credit report please. 

Also I can not log into my account online it says that it is temporarily unavailable but the people on the phone say I should have no problem logging in which is not true as I still can not log on. Please have someone fix this for me asap. 

Make sure you remove all of the fraudulent accounts, credit card accounts, names, addresses, phone numbers, etc. that I listed in the letters attached!
Product: Debt collection

The following is a copy of the email I received for a debt that does not belong to me. It's the only email I ever received from the company and there was no subpoena attached. 

Dear Customer, We still have not received any response from your side in regards to your XXXX XXXX account XXXX As of now rather than chasing you for money, we have simply decided to write this money as loss, stolen and press charges against you. Now the legal case which is going to be filed against your name is under section 9 chapter 19. 

The company has all the rights and authorities to inform your current employer about what you have done in the past and shall be the result and the consequences, once this case will be downloaded and executed with the judgments against you, which could lead you to termination. 
Also the non repayment of a loan could be reported by the lenders to three major credit bureaus, causing severe damage to your credit history or credit report.

The copy of the subpoena will be forwarded to you Human resources or the legal representative of your firm, where in they have to appear in the court while the case is on, that could lead to you termination from the full time employment and by forwarding the subpoena to social security any child support, disability, unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

This will also be reported to IRS which might lead to LEGAL PROCEEDING. 

Before proceeding ahead we just want to ask you for the final time whether you wish to take care of this loan account of yours or not.

We are willing to provide you a one time settlement or payment arrangement as per your convenience.

Do revert ASAP as you merely got three business days to respond. 



Thank you. 





Manager Legal Department XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, LA XXXX, United States
Product: Debt collection

I have sent several certified letters to XXXX XXXX XXXX about this matter. This debt is not mine. I have never opened an account with Synchrony/Care Credit. This debt is reported on my credit report, but is another individual 's with I am assuming the same name as mine. The debt is listed under XXXX XXXX, but I my legal name is XXXX XXXX. I have never used XXXX  as a name to open an account as it is not my legal first name. I have tried since XX/XX/2018 to resolve this matter and to this day XXXX XXXX has not provided any signed contract to validate this debt is mine. This is damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX emailed company no response and again reached out XX/XX/XXXX again no contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

QUANTUM COLLECTIONS is reporting to the credit bureaus that I owe a balance on a account that I have never opened nor provided my authorization for the account to be opened
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Provide Background Report I am writing to formally complain about the difficulties I have encountered in obtaining a copy of my background report from HireRight. Over the past four months, I have made multiple attempts to receive this report, but my efforts have been consistently thwarted. 
On two separate occasions, HireRight provided me with a link and a password to access my background report. However, the passwords provided were invalid, rendering me unable to access my report. Despite following up on this issue, the problem remains unresolved. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a copy of my background report. HireRights failure to provide me with this information in a timely and accurate manner is not only frustrating but also a violation of my rights under the FCRA. 
I request that HireRight : 1. Provide me with a correct and accessible link and password to my background report immediately.

2. Conduct a thorough investigation into why my initial requests were not fulfilled.

3. Take the necessary steps to ensure that such issues do not recur in the future. 
Please treat this matter with the urgency it deserves. I expect a response and resolution to my complaint within 14 days of receipt of this letter. If this issue is not resolved promptly, I will consider taking further action, including but not limited to filing a complaint United State District COURT and seeking legal advice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX have failed to provide me with a binding contract showing where I signed anything to agree to pay them. you provided me with an original contract ( from XXXX XXXX XXXX who I already purchased a car from that was sold due to the loan company paying it off ) I'm asking for the contract where I signed to agree to pay you directly. XXXX XXXX XXXX contract had been voided due to not following through with contracts. They went into bankruptcy and sold my personal information illegally to a third party in which I never agreed to.Next I will be filing this with the my attorney if it is not removed immediately. You have 30 days under the consumer laws to report me with a contract that strictly say I signed with XXXX XXXX XXXX. I look forward to hearing from you.
Product: Debt collection

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Checking or savings account

An unauthorized transaction of approximately {$2300.00} dollars was sent from my checking account to a credit card account that has been closed for over a year. The funds were actually reversed then they disappeared into what I believe would be a foreign account. I DID NOT authorize this transfer nor did the bank make an attempt to contact me concerning this action. This caused a XXXX overdraft that caused the bank to take my direct deposit paycheck and also my tax return which equaled approximately {$2200.00} dollars. The bank claims all indications show that I created this transaction, which is false. I had no more than XXXX available in my account at this time. I believe the bank should recognize that they have responsibilities to help protect their banking customers. What happened has left me completely broke.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have no recollection of this account i have not recieved any goods or services either. This is not my account i have never recieved any correspondence in by mail for this account. I am reporting this account I write to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from i recently became aware of.
Product: Debt collection

Jefferson capital systems sent a letter to my place of employment. No where on the letter does it state private or confidential, or for me personally. As they are aware, in most companies, one person will open the mail. 
Due to this they basically shared information about an account with multiple subordinates. This letter was not an attempt to verify information or to get contact information, instead this was a settlement offer, which I believe is a violation of the FCRA. 

As stated, a professional company knows mail is opened by a few people. I had moved, but all my mail was forwarded, so they would have had my home mailing address. Doing some light research, it appears this is common with this company to try and shame people and or embarass them at their place of employment. 

I have tried to contact them to work this out, they have decided they do not wish too
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report inaccurate items after there investigation. im attaching supporting documentation with all information.
Product: Bank account or service

XXXX Acct. number Please attach additional pages to file. 
XXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX/XX/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. XXXX  and Transunion are also reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureauDoes not repect or follow the Laws of FCRA. 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. 

XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were verified for 100 percent accuracy. However I asked them how? when the filing date on each account is wrong. 

I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did. Additionally, according to 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. 

Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected. 

15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights. and according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so. 

These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( 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.
Product: Checking or savings account

Hello, my name is XXXX XXXX. I have been trying to get my money out of these accounts for some time and the accounts were frozen for several days. Now they are in the process of closing the accounts. That means I have to keep waiting. Please close these accounts immediately and send me a check to my mailing address as soon as possible thank you