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

American express has violated According to 15 USC 680 ( 2 ) ( B ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless A suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts has nothing to do with XXXX XXXX and XXXX XXXX which make them non affiliated which means I as the consumer must have 3 disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to 18 USC 1515 ( B ) ( 3 ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert that synchrony PayPal MasterCard had hit my credit I immediately contacted the phone number XXXX XXXX provided me with I called them and told them I did not apply for a credit card they assured me they would notify the credit bureaus and remove the inquiry I have disputed w all three bureaus and have gotten nowhere I also cant get any answers from the company
Product: Checking or savings account

Held over XXXX dollars and after XXXX  day mailed me a check for XXXX or less. 

In XX/XX/2022 Chime decided to close my XXXX accounts by notifying with an email only I contacted Chime several time via the phone and email. Because this was a huge surprise to me, I was told I had violated a policy or something, but they would never tell me why as did several other people at chime. Chime also held all of my money for XXXX plus days and still wouldnt tell me why my accounts were closed and felt very victimized by thisI had not money to pay bills, or a checking account, But chime did not care nor were they being accountable to why they felt their actions were just.. I also still do not have access to any of my past records with Chime, which I needed for tax purposes, but Chime feels that they have rights over my records, and do not have to give them to me. It has been almost a year and I still do not know what violation I supposedly violated to justify closing my account or access to past records on the accounts. I want to know what violation and proof that I violated it. If in fact, I am fairly confident that I have not violated any policy, which I am almost XXXX percent sure I have notthat any and all negative reporting to agencies that Chime report this negative info too be completely removed! I also want to know why and I want access to ALL my pass records on the XXXX accounts. I would like to know what would be an the explanation for holding all my money for XXXX  days while knowing it was causing me major problems and affected me negatively in many ways and what would be an appropriate compensation for the banks lapse in regulationsand violated, which is public info regarding chime losing a legal law suit for just these same things you did to me, but after Chime lost. everyone knows XXXX was being sued at the time for illegally closing peoples accounts and holding funds of customers, for whatever reason and was found to be at fault for these same or similar issues. My accounts was handle in the exact same way that Chime just lost a law suit to, AFTER.So, I would like all my questions answered please, and resolved. Respectfully I sent this email today : I would like to know why you closed my account XX/XX/2022, when I asked back then I told i violated some policy, but NO ONE could tell me what that was, as well as, Chime didnt have to tell me. So again, legally I also want to know why I still do not have access to any of my past records, and why my accounts were closed without any proper notice or explanation.and then held my month for 30 days before you released it!?!? legally I have every right to my records, as well as XXXX should have access to my pass payment history of the credit boost. So what are you going to do to rectify thisI am now fully ready to move forward with XXXX to take legal action against Chime, for not following anyCFPB regulations. I have filed a complaint with the CFPB. 
Respectfully,
Product: Checking or savings account

On XX/XX/2022 I ordered product for a company web site. I was asked to transfer funds using XXXX on my US Bank saving account sum of {$280.00} dollars, When I asked the company for shipping information using email ( XXXX ) got no response from the company, Tried a few times to contact them via chat on their website and no response. 
Contacted the person that I sent the money too and she " said I do not have your money ''. 
Someone named " XXXX '' has it and she can not provide information. XXXX XXXX email XXXX. 
Her email is not valid anymore and the web site is shut down. 

Thank you for any thing you can do to recover any of the funds sent. The bank can do nothing. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX  XXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00}
Product: Debt collection

On XXXX, I had received a phone call from IQ Data International about a debt allegedly owed from a broken lease agreement. On XXXX, I sent a certified letter, and there was no response. 

On XXXX, I got a notification that from my credit agency that I had a debt in the amount of {$9800.00}. On XXXX, I sent a second letter, no response. 

On XXXX I began disputing this debt with the credit agencies as well. 

On XXXX ; IQ Data continues to call, but will not provide any validation of this debt. I did not owe the apartment complex any monies, as it was their decision to terminate my lease, not mine. Additionally, IQ data employees are stalking me on social media.
Product: Checking or savings account

I am the financial POA for a friend who has been recently diagnosed with a terminal illness and is completely physically XXXX. I attempted to close her checking account on XX/XX/22 with Wells Fargo and they refused to allow me to do so because it is jointly titled with her mother, who is listed as the " primary '' account holder. Her mother died over 15 years ago and the bank is demanding a copy of her mother 's death certificate to allow me to close the account. It is my understanding that each joint account holder has equal rights to conduct any activity on a jointly held bank account. I don't have the time, energy or interest to track down a death certificate for my friend 's mother, particularly since there is no legal reason for me to do so. Wells Fargo is preventing me from exercising my legal right as financial power of attorney to close my friend 's account. They have the XXXX document and recognize it as valid. The account only has a {$9.00} balance. My guess is they just want to keep charging bank fees, sending the account into overdraft status, to artificially boost their balance sheet. The local branch XXXX filed a complaint internally on my behalf but the situation has not been resolved. They also stated I could not close my friend 's safe deposit box at the bank for the same reason. I guess in the long run account and safe deposit box fees will pile up and it will get reported to the credit bureaus. My friend is completely incapacitated in the hospital and can not advocate on her own behalf, but I have full authority so I don't guess it matter to the bank. Just another instance of scheming to maintain bank accounts to the detriment of their own customers. Quite heartless!
Product: Mortgage

Told to dispute my credit Wrong escrow analysis which caused my mortgage to be late. 
Made over payments for several years Arbitrarily raised my mortgage payment XXXX XXXX told me to dispute my credit report, adjusted mortgage back to original payment.
Product: Debt collection

My conplaint is ** USAA 's FALSE CREDIT DOCUMENTATION. ** see CFPB USAA Response XX/XX/XXXX XXXX-XXXX  & XXXX-XXXX.USAA Confirms ** ( " You reported fraud XX/XX/XXXX {$470.00} plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX TOTAL {$890.00} '' ) see attached XX/XX/XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS. see attatched XX/XX/XXXX REVIEW OF YOUR CLAIM IS COMPLETE USAA Confirms ( **10 TEN DAYS LATER *No Fraudulent Activity Found After Review Your Claim. ** )?? Ten days eariler USAA CONFIRMED TO AUTHORITIES CFPB FRAUD {$890.00} was REPORTED. USAA charged off this account DESTROYING MY CREDIT FALSELY. I discovered THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT VERIFICATION MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

The fallowing company run inquari I do no reconiced and do with out my authotion XX/XX/2023
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX {$280.00}, XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$320.00}, XXXX XXXX  XXXX {$17000.00}, XXXX XXXX XXXX {$18000.00}, XXXX XXXX {$300.00}, XXXX XXXX {$1200.00}, XXXX XXXX {$390.00}.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Experian has been allowing XXXX XXXX XXXX XXXXXXXX to provide erroneous false information that is ruining my credit score. I have submitted multiple identity theft report to Experian. Experian has not updated or investigated the inquiry I posed in any of the reports I have submitted to them. Lastly XXXXXXXX XXXX XXXX XXXXXXXX has violated the FCRA by not informing me of the mechanisms used to verify this debt Please remove immediately. Also a account can only be charged off once this account is reporting charged off multiple months in a row is also a violation.
Product: Debt collection

Calling from multiple nuumber trying to use same city area code. Willing to submit call logs. Causing me to have to go to see my XXXX XXXX XXXX. Threatening to sue me
Product: Credit reporting or other personal consumer reports

I would like for the company to honor my request of dispute from the XXXX Forbearance program by removing/deleting the late payments that were reported during the time of XXXX Pandemic. 

Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureaus during the time of XXXX forbearance period. I have late payments on my report I want removed because I am a victim of a XXXX and legally you should not have put it there. 

REMOVE LATE PAYMENT UNDER XXXX FORBEARANCE PROGRAM : XXXX. XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX of listed Unfair late payments and Unfair Charge Offs Dates : XXXX Unfair Late Payment XXXX Unfair Charge Offs Last XXXX Digits of XXXX DOB : XXXX XXXX The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to remove and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
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

This is in response to dunning letter sent referencing account number XXXX. 

SOURCE RECIEVABLES MANAGEMENT is attempting to collect an alleged debt not owed by me the consumer. I have no knowledge of this debt. Please provide me with the original contract bearing my wet ink signature, forward flow assignment, and chain of assignment. If you can not provide this information within XXXX days, I am requesting that you cease and desist the collection of this alleged debt and all communication with me. I'm enforcing my rights under the FDCPA, FCEUA, UTPCPL, and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has once again allowed these fraudulent accounts that were previously blocked and deleted due to identity theft to be re added to my credit report. I do not have any accounts with XXXX XXXX XXXX XXXX. I have not done business with these credit union. These accounts are fraudulent, and these are the result of identity theft. You have received my law enforcement identity theft affidavit and have been notified that these accounts are fraudulent. You then re added these accounts after already previously having your team block these. Please permanently block all XXXX XXXX Accounts this includes credit cards. I do not have accounts with this institution, nor have I ever done business with this institution. They opened these accounts without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert through email showing I had a new collection on my credit report from XXXX XXXX  XXXX, with the original creditor being XXXX XXXX XXXX. I spoke with both XXXX, who couldn't find the debt under my name or date of birth, and the collection agency. The collection agency stated they reported the ARC debt under a DIFFERENT XXXX XXXX with a DIFFERENT DATE OF BIRTH. However, Equifax put this debt on my credit and now I have to wait 30 days for the " dispute and investigation '' to be completed. They made a very big error and now my credit score is going to go down because of their mistake. I shouldn't have to wait 30 days for this dispute to be completed and for this debt to be removed. Equifax screwed up and the debt needs to be removed IMMEDIATELY ; not in 30 days.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681tb of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the balance of the following accounts, disputed the balances via XXXX  and XXXX, and the companies refuse to report a XXXX  balance : 1. Lending Club : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. XXXX XXXX  : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. XXXX/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : XXXX XXXX XXXX to credit bureaus.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

****resubmitting complaint XXXX for second account on my credit report as this was not sent to debt collector-file is blank****. In early XXXX, my husband and I began to investigate items on our credit reports. After seeing many strange items on our report - we went to the credit bureaus to initiate an investigation. Shortly after submitting a request for verification - We received a response from this RMP company in regards to 2 derogatory items on my credit report. Unfamiliar with the information that they sent me, and since I now had the contact information for the debt collector themselves.. i sent a letter ( attached ) to the creditor asking for further verification. When i asked for further verification to the collection company as to what this was and to verify that this belonged to me ... their response was that they were not required to verify twice. I am incredibly confused by the information that has been submitted to me and do not see how in any way this verifies that the debt was mine. I have been making payments on things that i have had in collections, attempting to do the right thing, but after further evaluation we have realized that we are paying on things that we thought were taken care of already, are old, or just are n't ours, and we are trying to figure it all out so that we can do the right thing. The paper trail does not make sense, and with the lack of and vague responses from the debt collector i am not confident that what is provided is accurate. RMP 's dismissal of my additional attempts to verify a debt that IS NOT MINE is unlawful. This item needs to be deleted by this debt collector as no further verification has been provided that this debt is in fact mine. RMP is being very suspicious in its collection of my debt in ignoring my request for additional verification and is not following the appropriate laws for assuring this debt is mine. It is unforgivable to not provide further information when requested. From my recollection of going to any doctors appointment, my id is scanned - both my id and my insurance card. RMP should be able to provide this at the bare minimum if this is truly mine. If this is not possible, some other form of validation needs to be provided- something with my signature at the least. This is hurting my score and causing my credit limits to be reduced on other accounts. I am very angry and upset with the amount of time this is taking. I should not have to work so hard to have something verified accurately. I genuinely am not sure this item is mine, and am asking you to verify this. I am frustrated that companies are still able to do so little and provide such little information while creating such a great amount of damage.
Product: Checking or savings account

Don't recall receiving the data. This was requested from Navy Federal Credit Union. There were unauthorized charges I had with this account. There are other accounts as well.
Product: Vehicle loan or lease

I asked wells fargo agent for final pay off of my vehicle loan. Sent them final payment and received title. A week later WF called me stating I still owe them another auto payment. I to them I payed the Ballance and received the title. WF did not agree and reported to my credit bureau. Ruined my credit for years. 5 years later WF sent me a check for the left over amount for the loan... very fishy! 

Thank you in advance for your help, XXXX
Product: Credit reporting or other personal consumer reports

Section 15USC 1681 a ( d ( 2 ) ( A ) ( i ) explicitly excludes transactions between consumers and the reporting entity from consumer reports. Nevertheless, Experian is including this information. Such inclusion violates Metro2 compliance standards. Please provide the Metro2 compliance guidelines for reporting transactions to consumer reporting agencies. I request the removal of late payments, collection/charge-off status, and other derogatory data from my consumer reports immediately. Note that I am not seeking validation or verification. Negative accounts have been placed in Collection/Charge-Off Status without providing IRS form 1099-C Cancellation of Debt. This is a violation of 26 USC ss 6050P regarding the Cancellation of Indebtedness Returns. If this derogatory information is not removed within 30 days, I will file IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information with the IRS against all involved entities.