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

Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including XXXX, XXXX, and Transunion must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to XXXX, XXXX, or Transunion by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, XXXX, XXXX, and Transunion are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, XXXX, XXXX, and Transunion are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.
Product: Credit reporting or other personal consumer reports

recently i locked at a copy of my credit report and noticed several inccuracios on my account. this Account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item a am asking you to verify as accurate. 
XXXX XXXX account # XXXX in experian credit
Product: Debt collection

Midland Credit Management Inc sent me a letter in the mail. They said that I owed money and I asked them for verification of debt. He said absolutely not. I need to contact the police and make a police report if I think that this is not my debt and then I have to mail in that I would like verification of debt and refused to give me any information. I do not think that this is my debt, and I believe that this is false because they will not provide me with verification of debt.
Product: Credit card or prepaid card

CitiGroup is unfairly and possibly illegally and unconstitutionally using its market power to prevent new merchants from opening merchant accounts or from accepting Citi-brand credit card products to sell firearms to customer between the ages of XXXX  and XXXX in states and jurisdictions where the purchase of certain firearms by customers in this age group is allowed by law and protected by the 2nd Amendment.

Citi has publicly announced this new policy on XX/XX/18 and has received wide coverage in the media.
Product: Money transfer, virtual currency, or money service

The crime occurred somewhere online or either someone had stolen my personal info out of my wallet or back pack or in my mail from moving homes. I'm not sure and I do not know. but I do know is that I have countless transactions and charges on my card and bank account. That were not approved by me. I had filed to reports with my bank and requested what do I need to get this resolved I have never been a situation like this in my life. My bank has locked me out of my own online account to where I can not even view the information I need. along with why my submittals had been denied they can not provide me with information I need. they told me to wait. keep my account open because I can not view the info I need if I close the account. mean while this person has been using my personal info to open accounts move money over to some random account they have open loans in my name liquated the fund in my account and ruin my credit in the proceeds. While im getting behind and struggling to pay my bills. This has has been a domino effect that has just made everything in my life horrible. I do not even know the total amount lost from with the countless fraudulent transactions and loans but what is most alarming is how this person was able to get all the money. open two loans all under the radar without me ever signing anything or seeing anyone how these accounts got opened in my name one from Wells Fargo and the other from XXXX XXXX, then my bank is claiming I created these accounts when I had no clue. I was unaware until i looked closer at my statements I did not know someone was moving money from my account and set up payments for the loans how someone has stolen my identity and was successful at getting these loans taking the money out from my account and ruining my credit is truly mind boggling. Along with that I have been gettin harassment calls threats and and text from random numbers and people. Which has now put a toll on the relationship of the girl Im living with if I get kicked out I can not get approved to live any where with my credit ruing from all the unapproved charges transactions and loans. Its bad enough that she now thinks I'm cheating XXXX from these random number and pictures of girls claiming to know me from these malicious spam like texts and calls. As well as Wondering why my credit had been ruined when it was so good before. This experience had been a defamation of my character I cant explain the pain suffering this has created in life I havent been able to think straight since all of this has happened.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Cain & Weiner  Account 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 a account without my written instructions 15 U.S.C 1681c. 9a0950 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 agency if the person knows or has reasonable cause to believe that the information inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to FMS financial to obtain my current balance with the company so that I could pay the balance. I was told how much it was and without my consent they again ran my credit making another hard inquiry in my credit and dropped my score down 3 points. I was not aware nor given consent to the company to do so. The only way I found out was because it was reported by XXXX. When I confronted them Mr. XXXX said that my consent to run my credit was not needed and that because I have debt with this company they are allowed to run if they want to. I did not ask for a line of credit or anything pertaining to checking my credit score. Ive also paid off this account in full and it hasnt been reported to the credit bureaus
Product: Money transfer, virtual currency, or money service

Paypal closed my account XX/XX/2018 and they said my money is blocked for 180 days. 

After 180 days i cant get my money back. It is only XXXX euros but its my money and they are no responding mails. By phone everytime they invent somthing. Amazing!
Product: Checking or savings account

I closed a CD account with XXXX Bank and deposit a $ XXXX check via XXXX XXXX ATM ( XXXX ) on XX/XX/XXXX into my First Tech Fed Credit Union ( XXXX XXXX checking account. On XX/XX/XXXX, XXXX revised the funds out of my checking account, left my account with a negative $ XXXX balance after I paid my property tax and other bills. I found out when my autopay mortgage was rejected and I called XXXX. 

On my first call, they told XXXX rejected my check due to " account closed ''. I went to XXXX and they said they have nothing to do with it, I just used their ATM. the transaction is with XXXX. 
I called XXXX, citing what I learned from XXXX, and they told me the check was rejected, I need to contact XXXX. I contacted XXXX, they said I get the check because my CD account is closed, the check is issued from their evolving account and thousands of their customer is using the same account, cashing the checks without any incidents. And according to their record, the check was never cashed. The check is a good check. XXXX Bank staff is so nice they are willing to conf call with XXXX, but XXXX refused any 3rd party on the phone as their policy. 

Since I was - $ XXXX balance, it put me into a deep hole, I have to borrow money from my family to fill the debit and pay for all the ongoing bills that follow. 

XXXX said they will look into the situation and someone would call me back on a business day. I did not receive any calls or any follow-up from XXXX at all to this day. 

XXXX bank is so nice, they called and follow up with me around 3 days later, asking about the situation and willing to provide additional assistant within their power. 

On around XX/XX/XXXX, I received the returned check, a copy of the check front and back. It said it is a legal check. There was the ATM stamped on the check on the deposit location, date, and my account info. 

I took this same check to XXXX branch in XXXX, told the teller what happened, deposit the check into the same account. 

Today is XX/XX/XXXX, I contacted XXXX Bank, they told me the check was cashed on XX/XX/XXXX. 

I called XXXX to confirm the transaction is completed. They said they don't know, and there is a hold on my money til tomorrow for $ XXXX. 

I requested XXXX to reverse the ATM adjustment fees, XXXX said they can not. I like to escalate to their management, they said they are reviewing it and put me on hold and the call got disconnected. XXXX did not call me back. 

I called again an hour later, told them what happened, and they said they will submit a review and let me know. I asked for management and they said they will review and it is not something they can do over the phone. 

The check is good, I deposited it into an ATM. Whatever went wrong with the transaction is not my mistake to my understanding. I lost $ XXXX in the process for over 3 weeks and XXXX penalized me for the transaction error. 

I need help to find out what went wrong to the check and who should be responsible for the penalty fees. I also need XXXX to issue a letter to clear my late payment and repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified ....
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022.
Product: Debt collection

On XX/XX/2022 Foster and Monroe LLC placed this collection on my credit file, after some research this is what I've come up with.. 

XXXX XXXX XXXX XXXX. 
owing XXXX  was placed on my credit file report, I then called XXXX XXXX XXXX XXXX. and she directed me to the company XXXX XXXX XXXX. As of now i am a XXXX service connected veteran on a fixed income. And I did not apply for this account.. 
as apon reading about the companie and then reading about the defrauding to us mostly military families, them victims fund was set up with CFPB,
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 nameXXXX XXXX # XXXXhas 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

There was recently a credit card opened in my name fraudulently that I did not apply for or open at all through comenity XXXX XXXX XXXX XXXXXXXX opened XX/XX/2023 with a {$4900.00} credit limit I have not received anything in the mail or have I applied for this card at all
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card

On XX/XX/2024 I went to Regions Bank online portal, and scheduled a payment to my Regions Credit Card # XXXX. 

I paid the statement balance in full. 

{$63.00} I scheduled the payment for the due date, which is XX/XX/. 

The payment was to be made from my Regions checking account. 


On XXXX XXXX  I received both a text message and an email advising the following : Our records show that your account ending in XXXX is past due. It is important that you make a payment as soon as possible. 

Alarmed, because I thought I had indeed made a payment, I quickly went on line to the Regions on-line portal, and saw that on todays date, XX/XX/XXXX, that payment for {$63.00} was pending. 
I also saw that a {$25.00} late fee and interest charges of {$.00} had been charged to the account on XX/XX/XXXX. 

I knew something was fishy, because I was sure the payment had been scheduled for the due date, just like every month, the XXXX. 

I immediately started a chat with Regions online representative. This eventually became a supervisor and a supervisors supervisor all telling me the same thing. 

I couldnt believe my ears! 

According to Regions Bank, to have avoided a late fee and interest charges the payment should have been scheduled to have occured on XXXX XXXX. By XXXX. 

Even though I scheduled it for the due date, XX/XX/XXXX, weeks before-according to Regions bankmy account was subject to penalties and interest charges, because the XXXX occured during the weekend. 

The first supervisor tried to tell me that i had made the scheduled payment at XXXX XXXX  on the XXXX. I then said, Thats not accurate, I went on line to schedule the payment, weeks ago!. Besides!! Its still the XXXX that the payment is being made. 


Regions representative then told me how I needed to set up auto-pay to avoid this happening in the future. 

I told Regions rep that I had been doing a manual payment with their bank for decades. 

I HAVE THE TRANSCRIPT OF THE COMMUNICATION THAT I SUFFERED THROUGH, EARLIER TODAY-CONSEQUENTLY, ANY OF MY ASSERTIONS OVER WHAT WAS SAID CAN BE VERIFIED. 

HELP!!!!!!!!!!!!!!!
Product: Checking or savings account

I filed a complaint as well as a police report at the beginning of XXXX for my checking account being fraudulently taken advantage of. I thought i was helping a very close friend with a hard time online and it turned out to be someone had gotten ahold to her online profile. She stole over XXXX from this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/ 2019 my Paypal account was fraudulently used to send money from my XXXX XXXX XXXX account. See Transaction details : Transaction ID XXXX Sent to XXXX XXXX XXXX.
Product: Debt collection

Not sure of all the dates but I got 1 phone call from United Revenue Corp. saying they were trying to collect a debt. Never heard of them. I asked for written verification. They were very rude and I never received it. Months later it's on my credit report with XXXX. Tried to dispute thru XXXX 3 times. Denied each. Looked into the original creditor, " XXXX XXXX XXXX '', never heard from them either. The amount of {$940.00}. Could not get any backup for this. If I owed it I'll pay it but they have been rude and unwilling to provide docs. My credit reports are clean except for this and, even though it doesn't affect my ability to purchase ( based on the rest of my credit standing ) it's really starting to irritate me.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing considerable XXXX. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this matter. I'm ready to provide any required evidence and, if necessary, take legal steps to defend my rights and seek appropriate redress. Your quick response to this urgent situation is greatly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I disputed the accuracy all details of a Bankruptcy showing on my credit report with Experian. On or about XX/XX/2021, Experian responded to my investigation request, stating that the details of the Bankruptcy were verified. According to the Fair Credit Reporting Act, it is Federal law that the verification be made directly with the creditors/courts, not a 3rd party service. I reached out to the court to ask if they share information directly to Experian or any credit bureaus, to which their written response was that they absolutely do not. 

By law, according to the FCRA, if Experian does not provide evidence that they verified the details of this bankruptcy with the court itself, it must be removed. 

I am attaching a copy of my letter to the court and the court 's written response.