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

Subject : Urgent Redressal Required : FCRA and Privacy Violations by XXXX and Financial Entities Dear Consumer Financial Protection Bureau, I am writing to seek immediate intervention and redressal for serious breaches of the Fair Credit Reporting Act ( FCRA ) and privacy laws by Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These entities have egregiously violated my consumer rights and federal laws, specifically under 15 USC 1681a 2 ( A ) i ) and 15 U.S. Code 6802. 

FCRA Violations by Credit Reporting Agencies : Experian, XXXX, and XXXX have failed in their duty to ensure accurate and legal reporting of consumer credit information. This is evident in their handling of unauthorized transactions reported by XXXX XXXX  ( Account Number : XXXX ) and the reporting of a debt sold by XXXX XXXX XXXX to XXXX XXXX. These actions directly contravene the stipulations of the FCRA, which explicitly excludes reports containing information solely about transactions or experiences between the consumer and the person making the report. 

Illegal Disclosure of Personal Information : Furthermore, the actions of XXXX XXXX  and XXXX XXXX  in disclosing my personal and financial information without my consent or proper notice is a clear violation of 15 U.S. Code 6802. This breach of privacy laws is compounded by the CRAs ' failure to prevent such disclosures from affecting my consumer reports. 

Demand for Immediate Corrective Action : In light of these violations, I, XXXX XXXX, demand that Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX take immediate steps to block and delete all inaccurate and unauthorized information from my consumer reports. This action is imperative to comply with the FCRA and protect my legal rights. 

Request for Full Investigation and Compliance : I urge the CFPB to conduct a thorough investigation into these matters. It is essential that these entities not only rectify the current violations but also implement measures to prevent future breaches of consumer protection laws. 

Expectation of Prompt and Lawful Response : As a consumer, I expect a swift and lawful response from all entities involved. The adherence to federal statutes and the protection of consumer rights should be the utmost priority for these organizations. 

Thank you for your attention to this urgent matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing consumer rights and anticipate a prompt and effective resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from my account.
Product: Credit reporting or other personal consumer reports

I am writing this statement to provide details regarding the unfortunate incident in which my identity was stolen. This experience has had significant impacts on my personal, financial, and professional life. 
On XX/XX/year>, I first became aware of suspicious activity upon being releXXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that my phone was stolen, my home had been broken into & it was a check that was cashed in my name through my bank account.After further investigation, I discovered other unauthorized transactions, & that all of my immediate funds had been stolen. 
I immediately took steps to address the situation by contacting my bank, filing a police report, placing a fraud alert on my credit report, etc.Despite my efforts, the incident resulted in financial loss, damage to my credit score, emotional distress etc.

I am committed to cooperating fully with Identity Theft.gov to rectify this issue and prevent further damage. I can attach any relevant documents that may assist in your investigation, including police reports, bank statements, credit reports, etc. 
Please feel free to contact me should you need any further information or clarification.
Product: Checking or savings account

I own a commercial building and previously banked with PNC. 
My tenant inadvertently sent the rent to PNC bank XXXX, but we had changed banks, closed the PNC accounts, and notified the tenant. 

PNC cashed the checks totaling almost {$7000.00} and held the money for several months. They now claim the funds were returned, but XXXX XXXX, who originally issued the checks, has provided documentation of the cashed checks and the account debits, and has no record of the funds being returned. After 4 months and numerous phone calls emails faxes etc, PNC has still not provided acceptable documentation of the funds.
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud, I contacted Experian to let them know what was going on. They informed me that they were going to conduct an investigation to get everything worked out. They never replied back to me about the investigation and I still have the fraud accounts on my credit report.
Product: Debt collection

a fraudulent rental lease was opened under my name, according to the XXXX account it was in XX/XX/2024 and there is a collection debt of {$3600.00}, ive never owned or applied for any type of apartment ever, i have a house and im not sure who was behind this fraudulent rental lease but it really hurt my XXXX XXXX ACCOUNT : NATIONAL CREDIT SYSTEM ACCOUNT # XXXX
Product: Debt collection

I was paying the debt to the hospital from XX/XX/XXXX when unbeknownst to me the XXXX  sent me to collections in XX/XX/XXXX. I have continually made the same {$20.00} payment for years to which the XXXX is still accepting and has never informed me that it was not an acceptable minimum payment until XX/XX/XXXX when I called the XXXX to make a payment. The XXXX informed me that they had been sending letters and calling, but I have not received any of this information. They made the excuse that they sent the letters to my old address, but I verified with XXXX that my address was up to date when I moved. My total amount of debt remaining is actively reducing and is also reflecting to National Business Factor, shown via my credit. I've sent a debt verification letter to National Business Factor in XX/XX/XXXX after finding out I can dispute the debt because I never received any letters or notices from this " debt collector ''. I sent a second verification letter in XX/XX/XXXX. It has been more than 30 days since the verification letters were sent. As it states on the verification letter ; I wanted all communication in writing, but National Business Factor keeps calling and leaving voicemails with a privated phone number.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX # XXXX, XXXX, NY, XXXX, XXXX XXXX Ct Unit XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX Av XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX, NY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have more proof of the situation, that it's inaccurate and incorrect information on my credit report for this account. Before it show C/O for every month and now with the new update it show for the month of XXXX of XXXX  it say no data how is this possible why haven't the other month or year did the same thing. XXXX XXXX account XXXX. I need this account remove n deleted from all three bureaus. 15 u.s code 1601 congressional finding and declaration of purpose have violated my right under fcra act. Two different update in the months not accurate. Also it show 30, 90, 120, 150 and it skip 60 how it that possible where it skip 60 day of past due, that is incorrect and inaccurate information. Please remove
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SSN # : XXXX Date : XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with Capital One without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT WHICH IS CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED.
Product: Credit card

Today, XX/XX/year> I logged into my main bank account to see a charge from Concora Credit Milestone card for {$330.00} which was my whole balance. I tried to log into my account, it said my information didnt match. Then I called the company. They told me that someone, a MAN, called them yesterday and changed the email and Other info of my account. Nobody notified me. This should not have happened. They wouldnt give me any of the new info ; and said they could put my email back on the account but have yet to do so. This person then paid off the card and CHARGED it again with access to my bank account and routing number in the stored payment details. They refused to give me any information or to take me seriously that this was fraud. I asked them to lock the account. They did not. I called my bank and had the charges reversed, but it will take days and I had to open a new checking account completely. I dont know where to go from here. I closed the card. Im so angry that they would let someone change my information. This company has some serious explaining to do.
Product: Checking or savings account

I opened an account with BMO Harris bank 3 years ago that was advertised as being an online account with no requirement for physical presence in a state where a branch is located. The bank has taken many thousands of dollars in deposits from me via XXXX. I recently requested an ATM card for the account and BMO Harris subsequently revoked all access to the account by me- I am unable to check balances, deposit, withdraw, or transfer funds. When I called the bank I was told that this was done because I requested an ATM card, and that to restore my access I will need to submit a notarized affidavit to them. This process, the costs, and the triggers for it had never been disclosed to me before this event. The bank is now refusing to answer any of my questions until the affidavit is received.
Product: Prepaid card

On Tuesday XXXX/XXXX/2015 I purchased a Bluebird prepaid debit card at the XXXX on XXXX XXXX XXXX in XXXX XXXX WA. I paid {$5.00} for the card itself and at checkout added {$150.00} in funds to the card. The directions on the box told me I could use the temporary card and to register online for a permanent card. I made a purchase on the same day at XXXX at the XXXX in XXXX XXXX WA which left a balance of {$97.00} on the card. I went online to register the account and found that I actually had to apply for an account ( this is not indicated on the Bluebird card packaging ) and had to be approved before Bluebird would send me a permanent card.I filled out the application and was denied an account for undisclosed reasons. I called Bluebird customer service on Wed XXXX/XXXX/15 and they said they could not tell me why but that I would be able to use the funds on the temporary card any place that accepted American Express. I tried to use the card at a restaurant and it was declined. I called Bluebird customer service again on XXXX/XXXX/15 and they told me they could n't help me and to take the card back to the XXXX I bought it from. I took the card to XXXX on XXXX/XXXX/15 and spoke with a shift supervisor in the money center who tried to cash out the card as well as get cash back with a purchase. They were unable to retrieve my funds. I called Bluebird customer service again on XXXX/XXXX/15 and asked to speak to a supervisor. I was told that a supervisor was unavailable but that a supervisor would call me back in XXXX to XXXX hours. I have yet to hear back from Bluebird and I am still unable to use the card or access my money.
Product: Mortgage

I'm a XXXX old XXXX female & sole owner of my home. I got several months behind in XXXX due to covid. My housemate could no longer help & I struggled to get him out so that I could get someone in to help me financially. I finally got him out in XXXX of XXXX & my son moved in to help. From XXXX of XXXX to XX/XX/XXXX, I made consistent payments until my mortgage co ( Fay Servicing ) sent that payment back & informed me they would no longer accept anymore payments until I paid the arrearages of approx {$7000.00}. I had no way of catching up until I could apply for assistance thru the XXXX Program. I called Fay & was told I could file for Loss Mitigation so on XX/XX/XXXX, I faxed over XXXX pages of documents from XXXX XXXX. Weeks later I was informed that the application itself wasn't filled out so on XX/XX/XXXX, I faxed over XXXX pages & haven't gotten any response on my application, only monthly statements saying how much I owe including lawyer, title search & other fees. I've checked XXXX XXXX application dates to file but saw notices that they weren't accepting applications yet. I did inform Fay Servicing that I was waiting to apply so I could get caught up with arrearages but got no response. Also, adding that I was told to fax & forward all documents relating to Loss Mitigation application to XXXX XXXX which I did. Now I owe over {$14000.00} & still no reply about my application. I've emailed them & get no reply. Lately they call, let it ring XXXX time & hang up. I'm going thru multiple testing procedures for XXXX  XXXX & the stress is XXXX XXXX XXXX because I'm scared of losing my home. I hope you can help get some answers. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I opened a card with Citi and got a balance transfer with 0 % interest on some of my credit card debt, in an attempt to pay less interest on my overall debt. Since getting this balance transfer I have been charged interest on this card, despite paying for all of my purchases in full every time I made a purchase with this card and not adding to my balance transfer at all. I have contacted this company several times about the interest but they have refused to either explain it in detail or help me eliminate these mysterious charges. 

The first time I had a problem with interest being wrongfully charged to me was on my XX/XX/2021 statement, which was not the first month that I have had this card and used it for purchases. Every month that I have had this card and made a purchase with it, I have paid the purchase amounts in full, which I explained to them, and in response, they refunded me the interest ( on my second attempt, after being mocked by the first employee ). I thought this was just an error and I wouldn't need to deal with it again, but on my next statement for XX/XX/2021, I was charged interest again, for a higher amount than before. I attempted to contact this company three times about the charges, once via live chat and twice over the phone, and all 3 times I was disconnected prematurely, once I began to ask about the specifics of the interest and why it was being charged to me. 

My last payment that I made to this card was {$350.00}, an amount far above what I spent the previous month ; I made such a large payment on purpose because I didn't want to be charged any interest, yet they still added that to my statement. When I asked them what was wrong with making a large payment over the phone, the line " mysteriously '' went dead, as if they hung up on me to avoid answering the question about why I was being charged interest even though I was not supposed to be.
Product: Credit reporting or other personal consumer reports

I want to sign up to get help to fix my credit please
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please update this account. I did not occur in any late payments
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices. which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effectively measures to prevent a address fraud or their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My Identity Information has previously been compromised and used to open several accounts and Inquiries without my permission. These are just some of the accounts that were opened that I do n't recognize.
Source Receivables Management/ XXXX Date Opened XXXX XXXX, 2017 {$220.00}
Product: Debt collection

In XX/XX/XXXX ProCollect tried to collect on a debt not owed. Police report was submitted to all bureaus as well and account was removed. Mr. XXXX, from ProCollect, called me on XX/XX/XXXX asking about the same account. I advised it was identity theft and to cease calling me. Today, Mr. XXXX called me again asking about paying the debt and advised again it was identity theft and they have the report. I sent a copy of the police report to ProCollect on XX/XX/XXXX via email. Mr. XXXX persisted on with payi nig the debt and I told him he was advised to not call me anymore due to the identity theft.
Product: Credit reporting or other personal consumer reports

An nother account opened by a company. XXXX XXXX  .I asked for the letter to incure new debt this acount was open after the XXXX XXXXXXXX was filed I know that this company needs that letter and they opened an account with out permission from the XXXX XXXX  Trustee.
Product: Credit reporting or other personal consumer reports

I did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

15USC 1681 section 602 ( a ) states that I have a right to privacy. 

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax, XXXX, and XXXX have all violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. These companies have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report XXXX XXXX XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Conn 's in XXXX of last year. Initially the associate made a mistake on my order & once this was noticed, rather than correcting the account, a new account was opened and the balance was supposed to be transferred to the new account. At the time I did not even know about the existence of the first account. I was made aware when Conn 's collection department called me, requesting payment for this erroneous account. I have spent countless hours on the phone with the various departments within Conn 's and have been assured repeatedly that this would not effect my credit and the first account would be closed out. Well over six months later I have had no resolution & both accounts are reporting on my credit, with the erroneous account, reporting negatively. I receive almost daily collection calls from Conn 's which ultimately end with the associate reading the notes & apologizing, again, assuring me the matter will be taken care of soon. My " real '' account is in good standing & I am a very frustrated & unhappy customer. 

I would like to reiterate that at no time was I made aware that a second account was opened in my name, nor was I aware that the first account was balance transferred to the second account.