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

Dear Experian I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : Equifax, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I sent the follow letter to XXXX XXXX Unit XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I did request an investigation from these companies to remove/update the inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a sale date on my property for XX/XX/2019 and file per my lender my loan is in litigation and my 3rd party I have authorized and my attorney even authorized to speak on my behalf with XXXX XXXX XXXX. This has been a on going issue with the lender Attorney XXXX XXXX XXXX for the Litigation process, this woman never returned my calls or EVER responded to emails at all, I have attached a conversation with all parties and it CLEARLY SHOWS that my Attorney XXXX gave XXXX all the authorization needed to be for them to speak on my behalf and she refuses to return a call to anyone at all. With my sale date around the corner XXXX wants to speak to my lender and go over the status of the file to get me some sort of mortgage assistance. I had them even email to Rushmore my lender to a Manager, Mr. XXXX and he is the same way he washes his hands of it and passes it on to who ever he can to not speak to any one. How can i get anywhere when i cant speak or have anyone speak to my lender and know what is going on with my file today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

PNCs Bank Secrecy Act ( BSA ) / Anti-Money Laundering ( AML ) and Sanctions program is a domain within Enterprise Compliance, with the chief AML officer reporting directly to the chief risk officer ( CRO ). The enterprise policy for the program aligns with regulatory requirements and provides governance and oversight of PNC business units. The program sets forth minimum BSA/AML and sanctions standards designed to ensure that PNC is providing compliant products and services and conducting business activities in compliance with applicable laws, rules and regulatory guidance. The chief AML officer provides program updates to multiple committees throughout the year. 

Punishments for international fraud can vary depending on the type of crime and the jurisdiction : Wire fraud A federal crime in the United States, wire fraud can result in up to 20 years in prison and {$250000.00} in fines. If the crime affects a financial institution, the penalty can increase to 30 years in prison and {$1.00} million in fines. 
Anti-Money Laundering ( AML ) sanctions Violations of AML sanctions can result in serious legal consequences, including fines of up to {$20.00} XXXX and imprisonment for up to 30 years. 

Fraud is considered to be false representation, dishonesty, or deceit, and can break both civil and criminal law. 
I am a PNC Bank SCAM/FRAUD victim in the amount of {$900000.00} consisting of XXXXXXXX XXXX XXXXXXXX XXXX XXXX PNC Bank XXXX The issue at hand is I did not approve the XXXX XXXX sent from my PNC Bank checking and savings accounts ( see documentation ). To date, the FBI, Dept. of Homeland Security, Dept. of Justice, and other federal agencies including the XXXX XXXX have ignored my complaints. PNC Bank is also accusing me of the SCAM/FRAUD and XXXXXXXX XXXX XXXX 

My biggest concern is being accused of money fraud and anti-money laundering with the PNC Bank XXXX XXXX XXXX in the amount of {$900000.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently became unemployed and also had to move to another city. Because of this hardship, I reached out to U.S. Bank for liquidation options since I was no longer living in the home and could no longer afford the payment. I was assigned to a Specialist and then to a Negotiator. The Specialist was ok at reaching out to us and communicating but I have never spoken to or received an email from the negotiator as requested. I had issued scheduling an appraisal because I now live 2 hours away from the property and I had communicated this with the appraisal company. All of the dates and times that I requested were not available so they suggested that I get a lockbox. During this time I had not received any phone calls from U.S. bank regarding my loan status. I received one phone call from a restricted number at XXXX in my time zone which I had never previously authorized and the name and phone number provided on the voicemail did not match any information previously provided to me by U.S. Bank. Other than that there had been no other phone calls to me. After I went and put the lock box on the property, I called the appraisal company to set up an appraisal time and was informed that the assignment was cancelled. U.S. Bank NEVER called me to inform me of this which I strongly believe they should have. I called U.S. bank on XX/XX/XXXX and requested to speak to a manager who confirmed that my file was closed due to not being able to do an appraisal even though I was in constant communication with the appraisal company. He advised me that I had to fill out another application and resubmit all of my information which I was very frustrated about. I asked him if any foreclosure process has begun and he stated no, and that can be prevented as long as we resubmit our docs which we did that same day. We were reassigned to the same specialist and I was able to successfully schedule an appraisal. Today XX/XX/XXXX, exactly a week later I received notification that a foreclosure has been reported on my credit report. I feel like I was mislead and lied to. I did everything I was told to do to prevent my loan from going into a foreclosure status and was assured that as long as I did those things my loan would not go into that status.
Product: Debt collection

I was notified by the credit bureau that XXXX XXXX XXXX XXXX has placed a " Derogatory Notice '' on my credit profile without prior notice. That affected my overall credit rating score. 

I have never been notified by XXXX XXXX XXXX XXXX XXXX about any outstanding debt. As soon as I have learned about it, I called the XXXX XXXX XXXX and I was told that I owe {$130.00} for a medical bill. 

I offered to pay the amount immediately, despite the fact that I have not received any notification or verification that I owe this amount. I asked for the " Derogatory Notice '' to be deleted from my profile. 
Company 's representative refused to do it and hang up the phone on me. 

I ended up speaking with XXXX other representatives who were not helpful as well. 

The amount of {$130.00} that I allegedly owe, I paid on-line the same day of the inquiry. 
I am requesting the " Derogatory Notice '' to be removed from my profile as I have never been notified of any outstanding debt.
Product: Credit card

Subject : Formal Complaint Regarding Unjustified Account Closure by BMO Bank N.A . 

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against BMO Bank N.A . ( BMO ) regarding the closure of my credit card account without any valid reason or explanation. 

On XX/XX/2025, I received a letter dated XX/XX/ 2025, from BMO stating that following a regular review of my account, they had decided to close it. The only reasoning provided was : In accordance with the terms of our cardholder agreement with you, which allows us to close your account at any time for any reason. We are unable to reconsider this decision.

This response is vague and lacks transparency. I immediately contacted BMO customer service to inquire further. During the call, I emphasized that my account has always been in excellent standing, with no late payments or delinquencies. I requested to speak with a supervisor for clarification. Unfortunately, I was given no further explanation and was instead advised to contact the Consumer Financial Protection Bureau if I wished to dispute the decision. 
I have never had any credit card account closed under such circumstances. This action appears arbitrary and raises concerns about fairness and accountability in how BMO treats its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name- XXXX 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.C1681 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

Background check is stating that I worked in  XXXX   XXXX  California in   XXXX   XXXX   XXXX   Under the name  XXXX   XXXX   XXXX . I 've never worked in  XXXX   XXXX  California and I have not use  XXXX  sense I was married in  XXXX . I had only been license 4 months in   XXXX   XXXX  . So I need it removed from my background information.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to make a {$100.00} withdrawal at an ATM machine. I received a message stating " Go to cashier with a government issued ID to get funds ''. I did not go to the cashier to get funds. The next day I reached out to the ATM vendor and Robinhood. The vendor said the funds will credit back to the ATM card within 24 hours. Three days later Robinhood changed the transaction from pending to completed. Robinhood refused to issue a temporary credit and said it would take 90 days to complete the investigation. This is a known problem with Robinhood. No one should have to wait 90 days to receive their money.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Identity Theft and Fraudulent Activities Dear TransUnion Disputes Department, I hope this message finds you well. I am writing to formally report multiple instances of identity theft that have had a profound impact on my personal and financial well-being. Recently, the Department of Economic Security ( DES ) informed me that my identity has been stolen and misused repeatedly since XX/XX/XXXX. Initially, the thief was employed under my identity at XXXXXXXX XXXX for over a year before continuing fraudulent activities at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During this period, there have been several attempts to open credit cards in my name. As of XX/XX/XXXX, the individual has been terminated from their employment at XXXX XXXX XXXX XXXX due to confirmed allegations of fraud, as verified directly by the manager. 

The consequences of this identity theft have been severe. My healthcare and nutrition assistance were abruptly canceled, which has been exceptionally challenging as I am caring for a XXXX XXXX Moreover, fraudulent credit card applications have resulted in multiple unauthorized hard inquiries on my credit report, significantly impacting my credit score.

Below are the specific fraudulent inquiries that have adversely affected my credit report : XX/XX/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 regarding the account numbers XXXX & XXXX, with a balance of {$1600.00} updated on XX/XX/XXXX. 

I urgently request your immediate assistance in thoroughly investigating and correcting these fraudulent activities. The theft of my identity has caused significant hardship, and I am actively cooperating with law enforcement to address this matter. 

Thank you for your prompt attention to this urgent issue. Please provide me with updates on the progress of your investigation and any actions taken. 

Sincerely, XXXX XXXX
Product: Debt collection

Validation of Debt fcra gives up to 30 days please send a wetted signature no bill
Product: Debt collection

Chase has been calling me repeatedly XXXX to 3 times a day about credit card debt owed. I had told them to stop calling but they will not. They are now even contacting family members and harassing them.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX ( Auto ) completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian to remove these inquiries and all attempts failed.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding TransUnions Failure to Validate Debt Dear Sir/Madam, I am writing to submit a formal complaint against TransUnion for their failure to adequately validate debts as required by the Fair Debt Collection Practices Act ( FDCPA ). This concern arises from their insufficient response to my validation requests for the following accounts : XXXX XXXX XXXX  Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$1300.00}. 
XXXX XXXX, Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$4100.00}. 
XXXX XXXX, Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$890.00}. 
On XX/XX/XXXX, I dispatched detailed letters to TransUnion demanding validation for these debts. I specifically requested essential documentation as defined under the FDCPA, including but not limited to complete payment history, proof of my identity, proof of debt ownership, evidence that the debt has not been written off as a tax liability, and proof of prior notification before reporting the debt to credit bureaus. 

Despite my clear and lawful request, TransUnion has not provided the requisite documentation to validate any of the listed debts. Their response, or lack thereof, fails to meet the legal standards for debt validation established by the FDCPA and referenced case law, such as XXXX XXXX XXXX, rendering their claims questionable and unjustly affecting my credit report and score. 

Enclosed are copies of my correspondence with TransUnion and any replies received, for your examination. 

I respectfully urge the CFPB to intervene and compel TransUnion to adhere to the FDCPA by providing the necessary debt validation. Should they be unable to substantiate these debts, I request that the entries be removed from my credit report. This action is crucial to safeguarding my rights under the FDCPA and ensuring my credit history is accurately and fairly reported. 

I appreciate your prompt attention to this matter and am keen to see this issue resolved efficiently. Thank you for your support and for upholding consumer rights.
Product: Credit reporting or other personal consumer reports

In XXXX, an account with XXXX XXXX  was fraudulently opened in my name, using my personal information, including my social security number. This alarming discovery came to light only recently when I was in the process of applying for a rental contract. Upon reviewing my credit report, I found that this unauthorized account had gone into collections and is currently being managed by XXXX XXXX XXXX. The total amount that has accrued on this fraudulent account stands at {$3200.00}. I am completely unaware of how this account originated or who may have opened it in my name, as I has never authorized the creation of such an account. I have disputed this account with the credit bureaus and have included my police report as well.
Product: Debt collection

I recently have been taking steps to build my credit with XXXX XXXX. I was informed of 3 or 4 accounts opened in my name beginning in 2017. I did not do this. I disputed the information and the companies still say the information is correct. I have 2 people in mind that I know could have done this. I have included the copies of the XXXX  report. All accounts except for the XXXX account is fraudulent. If you look at the dates these were all opened very close to each other. I dont know of any other way to prove it wasnt me. I need help.
Product: Checking or savings account

I deposited a check as I do monthly from XXXX XXXX on XX/XX/2022 for {$10000.00} at the Truist Bank location in XXXX, Florida. XXXX days went by and I realized the bank withheld {$4400.00}. I called the bank after waiting more than a hour spoke to a representative and supervisor both of their reply was " check verification for available funds. '' That is a lie because the check cleared on XX/XX/2022 XXXX XXXX gave me copies proving the check was cleared. I went to the bank also spoke to a supervisor she told me they were holding the money and she wasn't allowed to override, she also said it happens. Five days short on funds I get a notice from Truist of exceptional hold, with a disclosure informing me they will refund me any fees for overdrafts or returned checks that result of this additional delay that they are imposing. How is this allowed? I deposit the same checks for the same amount most of the time, after a history search, I found all deposits for the last year and before that to be available within 24 hours. This imposed a big problem for me causing me to have to borrow money, it took past 12 days how is that allowed?