23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, XXXX, and Experian are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand
Product: Credit reporting or other personal consumer reports

THERE ARE SEVERAL VERSIONS OF MY NAME ON MY EXPERIAN CREDIT REPORT THAT I WOULD LIKE ADDRESSED. THERE IS ONLY XXXX VARIATION OF MY NAME THAT SHOULD BE REPORTING AND THAT IS THE XXXX WITH THE NAME ID XXXX  OF XXXX. I HAVE TRIED TO RESOLVE THIS SEVERAL TIMES TO NO AVAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to use online dispute processes for TransUnion, XXXX, and XXXX, I have log ins for all of them yet I cant get any of the links to work, or I get a message that I should try again later. When I was successful, all I got was that the investigation meets FCRA, but received no confirmation that the debt was legitimate.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Debt collection

Paid my can off but is still showing on my credit need it removed
Product: Debt collection

XX/XX/2023 spoke with KP asset consulting for a claim from XXXX XXXX, the representative claimed to be a federal agent. Also on this date and many others KP asset consulting has called and harassed my sister, mother and neighbors, from their location specialist who goes by XXXX.
Product: Checking or savings account

I opened a checking and savings account with an offer of {$300.00} for the checking and {$200.00} for the savings in BMO Harris Bank when I finish 2 direct deposit in 2 months and {$10000.00} balance on XX/XX/XXXX. I have already met all the requirements for more than 2 months. I opened the account with my friends together and they all got the bonus at the beginning of XX/XX/XXXX. But I never got it. I have called BMO Harris Bank 10s of times and every time they keep me waiting for more than 1 hour and then told me I have already met all the requirements and just need to wait a few days, one more week and next month. I have been waiting day by day, week by week and month by month for more than 3 months but I still got nothing. I spent more than 20 hours contact with them about this problem but haven't been solved. 
That's the worst experience I ever have with a bank. I suffered a lot in the meantime.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( TransUnion ) Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX ( XXXX )
Product: Checking or savings account

My mobile number was hacked and ported out to different operator. Reported it to Police for a Police Report. Raised a ticket with FCC and FTC. My email ID was also hacked using the hacked Mobile Number. Hackers transferred out {$2200.00} from my Citizens Bank checking account using XXXX payment. My phone number was originally associated with XXXX XXXX XXXX account through XXXX. But the hackers used the stolen mobile number and linked it with my Citizens Bank account to transfer fund out of my account. This incident happened on XX/XX/2023 and I have contacted Citizens bank the same day and raised a dispute and claim to revert that fraudulent transaction. But Citizens Bank denied the claim within 2 days without contacting me. I went to a local branch in XXXX NJ and the XXXX XXXX also contacted the internal departments. But no resolution was provided. The Bank XXXX suggested me to contact XXXX as the transaction went through XXXX. I contacted XXXX and they said, I need to contact Citizens Bank and Citizens Bank need to raise a dispute with XXXX for the fraudulent transaction. This looks like a blame game from both side without providing any support that I need. As per XXXX, Citizens bank allowed XXXX to link up my stolen Mobile Number and approved the transaction. I am looking for a resolution and want my hard earned money back.
Product: Credit card

I have been banking with Chase for a few years. I have XXXX personal credit cards, XXXX business checking and XXXX business credit card. Back in XXXX, my ink business card was used to make unauthorized purchases online for XXXX airline tickets. I called the fraud and dispute departments to dispute them since the merchants directed me to my bank. I provided Chase with a copy of all the evidence such as my tax returns and lease to prove that I had no tie with the person who used my credit card but I was still made liable for those charges around {$1600.00} that has been accruing interest since XXXX. I enjoy banking with Chase and have been a loyal customer and want to preserve the relationship so I really am hoping Chase can help me resolve this issue as it is causing me a lot of stress. Thanks in advance.
Product: Credit card or prepaid card

My XXXX XXXX card has been stolen over and over financial abuse by my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had a XXXX Chase credit card. I paid off my balance last month. I locked my card. I incurred a charge for a yearly subscription of a magazine. I went ahead and paid the balance of the card again. I contacted the Chase and explain to them that I do not want any additional transactions to occur on this account. They informed me that as long as the account was open and any fees or subscriptions would still be processed. So then I had them transfer me to the department to close the account. After they closed the account, they then told me that any fees of subscriptions would still be processed. 

I informed them with me closing this account I am no longer authorizing them to pay or provide credit for anything in my behalf. I expect those transactions to be declined and treated no differently than if I didn't have the available credit balance on hand for them to be processed. They told me that it doesn't matter and that if something comes through they will still process it.
Product: Credit card

Per the Privacy Act of 1974 Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Product: Credit card or prepaid card

I opened my account in the latter part of XXXX. I was never late on my account. I was contacted by Capital One in XXXX of XXXX and was told that my account was labeled as a fraudulent account. I had never been late and I never complained about any unauthorized purchases, so I was clueless as to why my account was deemed fraudulent. The account was deleted from my report. Capital One later put it back on my report and they then gave me a different account number. I called Capital One back in XXXX and they told me that they would be sending me a new statement. I received the statement at the beginning of XX/XX/XXXX and paid the account completely off on XX/XX/XXXX. They would not accept my online payments due to the account being labeled as fraudulent. I was never late on this account. Capital One stated that this account was labeled as fraud by XXXX  and that they had to do what the bureau said to do. I need my account to show never been late or I will definitely be getting legal representation. This is absurd.
Product: Credit card or prepaid card

I used a Capital One Visa card to make a prepaid hotel reservation on XXXX on XX/XX/XXXX, for a hotel stay from XX/XX/XXXX to XX/XX/XXXX. However, the website experienced a glitch and the confirmation I received was for XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX, which informed me that the hotel itself ( XXXX XXXX in Washington, DC ) processed the transaction, and asked me to work with the hotel to resolve the issue. 

I contacted the hotel and asked them to correct to booking. They informed me that they were unable to change the booking because the dates I booked ( XX/XX/XXXX - XX/XX/XXXX ) are not available. I then asked them to cancel and refund the booking, They told me that the booking was made on XXXX, and instructed me to cancel the booking on XXXX so they can refund me and resell the room to another guest. I followed their instructions and cancelled the booking. Several days after the cancellation, I still had not received the refund. I contacted the hotel several times and received no reply. 

I opened a dispute with Capital One in late XX/XX/XXXX, and provided them with the above information. Capital One got back to me in early XX/XX/XXXX with a rebuttal from the hotel along with the ( incorrect, XX/XX/XXXX - XX/XX/XXXX ) booking confirmation. Capital One asked me to provide proof that I indeed booked the XX/XX/XXXX - XX/XX/XXXX dates. I provided them with a screenshot when I made the booking. However, Capital One told me that this is insufficient, and unless I can provide a booking confirmation with the correct dates, they won't continue with the dispute. I told Capital One that since the website had a glitch when I made the booking, I have never received the correct booking confirmation, which is the reason I opened the dispute in the first place. The Capital One representative then told me that " their hands are tied and won't continue to work with the dispute unless I can provide the required information. '' I believe Capital One/Visa does not have the consumer 's best interest in mind, and the documentation they require is unreasonable in this case. How would a consumer has a correct receipt when they were issued an incorrect one in the first place, resulting in the dispute?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for the FOURTH time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer.I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A woman by the name of XXXX XXXX called my daughter XXXX on her phone and got hostile n began making threatening comments about me. The comments consisted of a payday loan I had taken out with XXXX XXXX and got behind on payments due to getting COVID XXXX in 7 months XXXX a XXXX XXXX and XXXX XXXX  due to long XXXX. XXXX XXXX proceeded to make threatening comments of going after my XXXX check n holding it until the court was concluded along with me being sued. My daughter believing it was real gave me the number n I called XXXX XXXX back at which time she became hostile and threatening with me saying they were filing in XXXX county against me and she hung up. 

My daughter 's believing this was a true company and seamed real wanted me to call back. I did! I then spoke with a girl who said her name was XXXX at ext. XXXX and began to explain things in a somewhat calmer manner. I still was in my mind questioning this call XXXX began asking the name of the Company. At that time they told me XXXX XXXX XXXX. I then said what's your address and was rudely told they couldn't give that out do to safety reasons. When I questioned them about this XXXX XXXX became irritated. I continued on with setting up this payment plan even though I felt something was off. That's when I gave my debit card number and made a payment of {$180.00} and a schedule of payments of {$160.00} a month for 10 months. This was on XX/XX/2022. With a confirmation number of XXXX on acct. XXXX payment to XXXX XXXX. After I hung up I immediately called XXXX XXXX n found out that they had not sold my debt to anyone n no payment plan was set up. Embarrassed, I called my bank n cancelled my bank card n spoke to bookkeeping to file a fraud complaint on my account. I am set to do that on XX/XX/2022 @ XXXX. I've been embarrassed n called stupid by the people at this fake company n this should not happen to anyone ever. Please help me with this complaint so they don't get to any one else. They had my daughter 's phone numbers n XXXX only knows what else they have. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/year> Avant was contacted by mail for debt validation. During this validation period I was to be be contacted by Avant for 30 days after sending a validation notice by mail. 
On XX/XX/year>, XX/XX/year>. XX/XX/year>, XX/XX/year>. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Avant contacted me by email in attempt to collect on this debt that is under the validation period. 
Under this violation there is a {$1000.00} dollar penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last month in XXXX I mailed Experian multiple disputes letter with my name, address, and a copy of my social security attached regarding the inaccuracy of my credit reporting profile. However, Experian refused to process my dispute at all. Instead, Experian sent me a stall letter saying they don't believe the dispute is coming from me, and therefore, deemed the dispute suspicious.
Product: Credit card or prepaid card

I attempted to use my card for a business purchase on the XXXX of XXXX, 2020 to find that my card declined I though it might be due to the bank suspecting fraud on my account that didnt let it go thru. I called the bank so I can speak to the fraud department they advised me that closed my business card and personal card because I was a risk to the bank. They advised me that that I was risk because I applied for other credit cards recently to get a 0 % percent interest rate to do balance transfer from higher interest cards. I feel like the bank is profiling me because I have never missed any payments with the bank or any of my other credit cards and on top of that I have over {$22000.00} in my checking in saving account with there instatuition.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   IXXXXUnder Dispute XXXX XXXX XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed Acct # XXXX with XXXX XXXX XXXX XXXX. I received a response around XX/XX/2018 from XXXX that they had completed an investigation and found this debt to be mine. My letter XXXX  clearly stated that I was requesting validation with a signed original contract that this debt was mine according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ). XXXX  has failed to prove me with proof that this debt is actually  mine. I have repeatedly asked for XXXX  to send me a copy of the original signed contract they have on file in compliance with the FCRA. 

Because XXXX  has failed to validate this debt over 3 times in my requests in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe that XXXX has violated the Fair Credit Reporting act section 611 in their failure to validate this debt and produce the signed original contract within a timely and fair manner. Clearly this behavior is against consumer debt practice law and the Farir Credit Reporting Act which  was put in place to protect consumers like me. Due to the failure to validate this debt according to the Fair Credit Reporting Act I would like this to be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX, has violated my rights. Account # XXXX XXXX, has violated my rights. Account # XXXX XXXX XXXX has violated my rights15 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 instruction
Product: Credit reporting or other personal consumer reports

These Inquiries were unauthorized and I want them removed
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX XXXX that makes transactions through VENMO. I have a large ammount of money put in my VENMO account through purchases. VENMO has now frozen my account and I am unable to extract these funds with no explination as to why. I have provided them with all documentation as requested ( bank statments, letter from my bank, ID, etc ). They have infomed me they will have no further correspondance with me with no explination as to why, if my funds will be returned, what my next steps in the process are, etc. I have emailed several times, made multiple phone calls, all with no answers. I have read on XXXX  about multiple similar accounts having the same issue. This is completely unacceptable as my money has been essenatiall stolen/ held hostage as they make interest/ investments with my money. It is no different that robbing an ATM or stealing someones credit card.