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

XXXX XXXX XXXX  XXXX, under the leadership of its CEO, XXXX XXXX, shared a consumers personally identifiable financial information without the consumer 's authorization. This action deprived the consumer of the right to exercise nondisclosure options, constituting a potential case of aggravated identity theft.

1. 15 U.S. Code 6801 ( Protection of nonpublic personal information ) mandates that financial institutions protect the confidentiality of their customers ' nonpublic personal information.

2. 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ) requires financial institutions to provide customers with notice and the opportunity to opt out before sharing their personal information with non-affiliated third parties.

3. 18 U.S. Code 1028A ( Aggravated identity theft ) imposes penalties for knowingly transferring, possessing, or using another person 's identification information without lawful authority.

4. 15 U.S. Code 1681a ( 2 ) ( i ) specifies that experiences between the consumer and the person making the report are excluded from the consumer report unless consent has been given.

In this case, XXXX XXXX XXXX XXXX  is sharing the consumers personally identifiable financial information, including full name, Social Security number, account numbers, and transaction history, with non-affiliated parties XXXX XXXX, TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without obtaining the consumer 's explicit consent. This sharing of information occurred without providing the consumer with the required notice or an opportunity to opt out, as stipulated under 15 U.S. Code 6802.

The absence of an opt-out option and failure to notify the consumer is a breach of the protection rules outlined in 15 U.S. Code 6801 and 6802. Furthermore, the unauthorized dissemination of the consumers personal information may fall under aggravated identity theft, as defined in 18 U.S. Code 1028A, given the potential misuse of the consumer 's identity information without lawful authority.

Additionally, the consumer 's interactions and experiences with XXXX XXXX XXXX XXXX, if shared without consent, contravene the provisions of 15 U.S. Code 1681a ( 2 ) ( i ), which excludes such experiences from consumer reports unless explicitly authorized.
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 effective measures to prevent and address fraud on 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.

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.
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to REMOVE some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still ITEMS that remain and need to be removed. This marks my XXXX submission of a complaint, notifying you that I am a victim of identity theft, and I am disputing these remaining items in my file resulting from the crime. The items in dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Kindly remove the reporting of these remaining items in my credit file resulting from an alleged identity theft. For your reference, I am attaching my new FTC report with # XXXX : -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$620.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDERAL CRIME OF IDENTITY THEFT 18 U.S.C 1028 I going over my credit report and encountered soft inquiries which I did not allow I am coming to fix this issue before I file a civil suit. 

I never authorized BOA to run my credit : I demand compensation for this cause. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports I am willing to forgive this incident for the amount of XXXX with in 10 days of XXXX  since this is an emergency
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : JPMCB Auto XXXX XXXX XXXX XXXX XXXX  XXXX accounts XXXX XXXX XXXX and a collection company. 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have been in XXXX  since XXXX XXXX and I am still in XXXX  today, my XXXX # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXX.I couldn't sign for any of these from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX {$310.00} XXXX-XXXX   XXXX XXXXAcct # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXXAcct # : XXXX r XXXX XXXX XXXX Acct XXXX : XXXX {$680.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX {$1100.00} XXXX XXXX # : XXXX {$630.00} XXXX XXXX XXXX # : XXXX XXXX XXXX   XXXX was not included in bankruptcy, XXXX gave me the house free in clear as a result of a class action lawsuit and was supposed to remove this account from all 3 credit reports.

I have sent the 1st notice out regular mail on XX/XX/2019, when I did not receive a response I then sent a second response certified mail on XX/XX/2019, and still didnt get a response back for these companies to VALIDATE these debts.
Product: Mortgage

XXXX XXXX XXXX, Reverse Mortgage Servicing Dept Carrington Mortgage customer service employees FAILED to assist and communicate with us so we could prevent the property from going into foreclosure. 
You state Carrington 's goal is to provide the highest quality customer service BUT IN THIS CASE YOU DID NOT. Because of the rude customer service people and the lack of communication and incompetence the property went into foreclosure. 
There is no fault to us that some deadlines did not get met. Deadlines would have been met if we had received the assistance we needed from Carrington. 
Your response to our complaint has completely ignored the incompetent service we received. 
We were trying to speak with your customer service people as early as XX/XX/year>- we sent death certificate in XXXX but never received a response. Nobody EVER reached out to us personally to help. 
We needed help with the HUD process, we needed help with navigating the timelines but Carrington DID NOT provide this help. 
In the beginning we were NOT aware of HECM regulations or HUD processes. This is where your customer service staff did NOT help. When we called they told us they could not speak with us and they literally hung up the phone. Please feel free to listen to the recorded conversations. 

It really concerns us that Carrington refuse to take responsibility and are in denial for their poor customer service. You have no idea the stress this puts on a family. Why do you assume we would know all the regulations you highlight in your response. We REALLY NEEDED HELP AND GUIDANCE but Carrington failed in this regard. 

Therefore we should not be liable for the Attorney Fees. We were charged excessive inspection fees, we were charged inspection fees twice in one day. 

At the end of your response you state please contact us. How can we contact you? When we call we just get into a Customer Service Loop. If Carrington were sincere about helping their customers they would contact us directly. To bring this complaint to an end and given the poor service we received, it is only fair Carrington refunds the unnecessary attorney fees charged to us in the sum of {$4200.00} as well as the extra unnecessary inspection fees.
Product: Debt collection

I received a letter dated XX/XX/year> from Portfolio Recovery Associates , LLC. In this letter, the said company stated that they were the creditor of this alleged debt that I allegedly owed for the amount of {$350.00}. 

I have never done business with XXXX, XXXX and their claim of being a creditor of an alleged debt that I allegedly owe is considered false representation. I challenge PRA, LLC to produce an agreement that I have with them that expressly authorizes them the right to collect any amount and showcases that they are the creditor the alleged debt under the penalty of perjury. I have attachments to support my claims. 

PRA, LLC has also reported to XXXX, XXXX, & XXXX that I allegedly owed them {$350.00}. PRA 's failure to produce proof that I owe them under the penalty perjury and/or court order while reporting to the consumer reporting agencies is a defamation of character and it's oppressing my reputation financially. 

I am demanding the removal of this item from all consumer reports or I will take legal action according to Fair Debt Collection Practices Act for violations and defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

They say they ca n't identify me I am who I say I am some one is using my information and ruined my credit perminantly bills etc in my name!!
Product: Vehicle loan or lease

Complaint that XXXX XXXX XXXX XXXX XXXX violated the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. app. 501-597b
Product: Debt collection

Wakefield and associates was taken off my credit report years ago and they come back yrs later and put it back on my credit report plus I got inquiries that I never applied for on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to allow you to dispute hard inquiries over the phone unless there's identity theft. I asked about disputing by mail and they told me I would get the same response ( not worth the 30 days ). I was told that I would have to submit the dispute to the inquirer, but that would lead to a more unfair investigation as it's now done by one party instead of two. The FCRA stipulates that a credit bureau has to accept disputes and forward them to relevant creditors. Sending disputes directly to creditors is simply an alternative option granted by the FCRA, not a requirement.
Product: Debt collection

Ask for 70 % reduction did not wo n't to negotiate.I am on a fix income trying to improve my credit it ab out six years old .So I have it removed my credit file.If paid they said they would not removed my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 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 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account XXXX : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway XXXX XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

ON XXXX, I disputed the inaccurate information on my credit reports from XXXX, equifax, and XXXX 

I request that you DELETE the above-listed information and mail me an updated copy of my file. Inform anyone that you reported the deleted information to that it has since been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification within 15 days. 

You are in violation of 15 USC 1681e ( b ), because it states that it has to be 100 % accurate and correct before information is reported on a consumer report. Furthermore, the information is reporting inaccurately and incorrectly and request that the tradelines be deleted from my consumer file. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, you are also required to do a re-investigation, per 15 USC 1681i5. 


Were requesting a thorough reinvestigation of the accounts. Please make sure that all aspects of the accounts are reporting 100 % accurately and correctly or DELETE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX. XX/XX/XXXX
Product: Vehicle loan or lease

Ally Finance was notified in XX/XX/2017 regarding in error in the account status of not being late in a scheduled payment. I requested a review of the account and the clerk stated the account would be corrected and placed in good standing. As of this complain the error was never corrected and Ally report the status as late. Please remove this from the credit reporting report services. 

Thank You, XXXX XXXX
Product: Debt collection

I received a credit report with a debt collection from bounce ai. I disputed the account several times via XXXX and reported the fraud. The original company XXXX  can't be reached. I have filed a complaint with the XXXX but they were unable to contact them. I have never had any type of account with XXXX. I have never heard of XXXX. 

I have emailed XXXX many times. The website contact page is blank.
Product: Mortgage

In XXXX of 2015 I approached XXXX XXXX, a loan officer at 5/3 bank, XXXX XXXX location about a home loan. I was preapproved and located a home I wanted to purchase in XXXX of 2015. The initial phases of the loan went smoothly but as the loan entered the final stages of underwriting we were given unclear information about the nature of necessary repairs. It took several weeks to receive clear information about how the nature of said necessary repairs should be done. I spoke with XXXX XXXX, a Mortgage Processor with the corporate headquarters of the bank as well. Neither she nor XXXX gave us clear information until much time had passed. Once we were given clear guidelines said repairs were completed and the home loan was given the formal " clear to close '' and a closing date was agreed upon by all parties. The day following our clear to close I spoke with XXXX XXXX to see what the next step of the process was. I was informed that our loan had been randomly selected for a quality control check. I was told this was to ensure that the loan processors had done their job correctly. I was told nothing was wrong. It would just take a bit longer and that i would still be able to close on time without any issues. The following afternoon I received an email from XXXX XXXX stating that our closing date was now tentative and may have to be postponed. This was due to the quality control staff having an issue with the aforementioned repair. XXXX stated that he had sent a rebuttal to the quality control staff the day before ( the same day I spoke to him and was lead to believe there were no concerns with my loan ) but they had yet to respond so closing may need to be postponed. I feel that we were mislead in multiple instances during this process. Firstly, we were lead to believe by the bank at large that our loan was fully processed and ready to be closed upon, when in actuality this was not the case since we were then sent to quality control and no longer allowed to close. We were also mislead be XXXX XXXX personally as I was specifically told nothing was wrong with our loan being sent to quality control, when in actuality he was already aware of the potential repair discrepancy and did not disclose the issue to me.
Product: Debt collection

They contacted my employer in XX/XX/2018. I do not owe money to this company but yet told my NEW employer of less than one month that there was a court order against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c 1681 602 A states I have the right to privacy. 

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.
Product: Credit card or prepaid card

In XX/XX/XXXX, I closed my Citibank AAdvantage credit card account, having paid the outstanding balance and a {$25.00} late fee as I had missed one monthly statement. Shortly thereafter I received a statement from Citibank, noting the payment but posting a new charge of {$6.00} for " interest charged to standard purchases ''. I called Citibank on XX/XX/XXXX and spoke to a service representative who could not explain why the interest had been charged, BUT denied my request to have it removed from my account. She put me on hold to find a supervisor, but that person could not explain the charge either, nor would they remove the charge. We ended the call, unsatisfied! Since then I have received daily robo calls from a collection agency claiming to be Citibank, leaving a callback number and personal code " to retrieve your message ''. I called once, but there is no option to speak to a human, just a bot which demands personal information - which I am not going to share with a computerized system. These calls are aggravating and a waste of time on all sides.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions 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