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

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


Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

All of these companies was not done from me. Please remove I have been hospitalized due to Covid. 
1.XXXX XXXX Capitol one 3.XXXX 4.XXXX XXXX /XXXX 5.XXXX XXXX 6. XXXX aXXXX XXXX  7.XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accordance with Fair Credit Reporting act this accounts has violated my rights. XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has deleted this account due to fraud over a year ago. 
It was the result of identity theft, Ive never done business with this company. 

Account that needs to be removed XXXX XXXX Account # XXXX {$4500.00} None of this is correct and isn't mine. 
This should have never been reuploaded to my report. 
I will be pressing legal action against transunion if it is not removed.
Product: Checking or savings account

I opened an American Express Serve account in XX/XX/2019. After several weeks, on XX/XX/XXXX I received an email notice stating that my account was permanently suspended for " activity that was in violation of the Serve Member Agreement. '' I really don't know what that activity was, since all I did on the account was make some deposits and withdrawals. I called the number in the email, and the person I spoke with told me I was not possible to inform me the reason for the account suspension. 

I received a separate email a few hour later, also on the afternoon of XX/XX/XXXX, stating the following : " Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. '' Since that time, I have received automatic email reminders every Thursday indicating the balance in the account ( {$5.00} ), even though it is permanently suspended. 

I called American Express Serve at ( XXXX ) XXXX on XX/XX/XXXX to find out why the funds had not been returned to me and the gentleman I spoke with told me a check had already been issued. I waited two weeks and called again, on XX/XX/XXXX. This time, a supervisor, XXXX, told me that no funds had been issued to me and that American Express will not be returning the money. He claimed that the term of service I subscribed to give American Express the right to take the money and turn in over to the state. I could not find any such language in the agreement he cited. 

The representatives I have spoken with have insisted that I must write a letter to an address in Florida to know why my account was suspended. I have explained over and over that I do not need to know why they saw fit to suspend the account -- that is their concern -- I just want my money returned as I have been promised.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

For a number of years, Ive been incarcerated and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and its been past 30 days since I reach out any response
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking into this, a XXXX XXXX XXXX account ending in XXXX is a charge account, thus reflecting a balance of {$190.00} opened sometime around XX/XX/2019 as the creditor as XXXX at phone number ( XXXX ) XXXX this inquiry was submitted and the issue now is it is reflecting on my Equifax report.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit card or prepaid card

I received a VanillaGift.com card in XX/XX/XXXX in the amount of {$150.00}. In XX/XX/XXXX there were 2 fraudulent charges totaling {$120.00}. The purchases were in California. I live in Illinois. I disputed the charges as soon as I learned of them which was on XX/XX/XXXX. ( Case # XXXX XXXX ) I emailed the requested dispute form on XX/XX/XXXX and received email confirmation that it was received. The confirmation says the dispute will be resolved in 45-90 days. I've called the company every 30 days to check on the progress. It's now been 90 days. Every time I call the company they are unable to provide any update.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following 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. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXXederal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

After doing a review of my consumer report, i noticed this account on my report and also a fraudulent charge, DOB banking information. I have never resided in the state of XX/XX/XXXXand have lived in in my home since XXXX of XX/XX/XXXX I have filed an Identity theft report and also a police report now that i have discovered this identity thief.
Product: Vehicle loan or lease

On XX/XX/XXXX, I learned of a fraudulent and delinquent auto loan established by Bank of America. I have emailed and called Bank of America daily , Bank of America verbally acknowledge that they established the account in error. I was a former customer, my auto loan was satisfied in XXXX, but someone with the same name applied for a loan, and Bank of America put the other parties info under my social security number, my date of birth, my phone number and my email address ... .and then had the audacity to change the address on my old profile, to that of the other party. Bank of America changed an address, but failed to verify critical personal information of the applicant. Bank of America shows no interest in corresponding with me to allay my privacy complaint. Bank of America is perfectly comfortable with full knowledge they are disparaging the credit of the wrong person. This is not even a case of third-party fraud, it is Bank of America acting with regardless disregard for the customer information in an aged database, a Bank of America fraudulent act on an innocent former customer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax filing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, Equifax typically respond in 24 hours that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

No my debt they should take the business to collection not me it is an XXXX company t
Product: Credit reporting 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 : XXXX Account # XXXX -Account : XXXX  Account # XXXX -Account : XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX  Account # XXXX -Account : XXXX XXXXXXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX Account # XXXX -Account : XXXX Account # XXXX -Account : XXXX XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXXXXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # 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. ( 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. 16815-2 ( A ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

went to trade in XXXX. Contacted XXXX for lease pay off. XXXX gave us the information, paid it off. a few days After that occurred, XXXX sent us a notice and said it was considered a repo because it was an early payoff. XXXX said they were n't obligated to tell us that at the time we traded in the car. Tried to get the XXXX back they would not return the car to us. Had XXXX given us the information in the first place we would have never traded the car in. We did everything right the way XXXX and XXXX told us. XXXX nor XXXX alerted us to this issue. Now they want another XXXX for early lease, and other penalities.
Product: Mortgage

This is my formally written dispute of Navy Federal Credit Unions ( NFCU ) response in regard to Case number XXXX. I am respectfully requesting a formal investigation into the matter. The reference for this request is retrieved from XXXX XXXX XXXX I called the CFPB Hotline on XXXX XX/XX/2023 and was advised by a CFPB Representative to submit my written dispute as a new complaint. 

Thank you for your time in this matter.
Product: Debt collection

I keep getting collection notices in the mail from a company called CONVERGENT who claims they are authorized on behalf of XXXX to collect a debt owed to them. I never had a XXXX account, and I just called them to confirm that no one else has created a bogus account with my info- They said I would have have received collection notices first from XXXX themselves, and they also said they have never even heard of this company, CONVERGENT. I am weary about calling CONVERGENT myself to dispute their false claim, b/c I suspect they are a fraudulent company, so I'm not going to call them and give them any more of my personal info. I have tried to report them to the XXXX, but b/c they are a non-accredited business, the XXXX  can not take any further action besides lodging my complaint. I've read other bad things about this company, CONVERGENT, sending out bogus collection notices, and some people even claim they affected their credit history negatively. So I'm reaching out now to the CFPB to make you aware that this company is fraudulently reporting false debt owed by me to XXXX when none exists. 

Thanks, XXXX XXXX
Product: Checking or savings account

XX/XX/2022, I received a text message from Chase bank, XXXX, saying XXXX dollar XXXX transaction was attempted on my account, did I approve yes or no. So I responded no. I then received a phone call from the same XXXX which is Chase 's number saying they were the fraud department and that they see that my account was hacked through XXXX. They stated in order to reverse the hack, I needed to change the information in my XXXX, and follow some steps so they can trace the scammers. The XXXX was listed under a name called XXXX, to XXXX XXXX, and they ended up taking XXXX out of my account. I called the number back immediately, and asked if I was contacted by the fraud department, and they didnt see any fraud alerts on my account. They knew immediately that I was scammed and my account was hacked into. After numerous complaints and calls, Chase bank refused to abide by the federal law that states that if customers get scammed they are authorized to refund them. They never started an investigation on this matter, and it comes to find out that others were also victim to the same scam. This is the fault of the banks with a lack of security for our accounts.
Product: Checking or savings account

I went to open a bank account with Chase, but I was denied. When I asked the teller for the reason, I was told it was due to an outstanding balance with Chase. However, Chase never notified me that they would report this information to any consumer reporting agency, and the information they reported is not entirely accurate per the FCRA. As a single woman dedicated to helping my community, I rely on my bank account to manage funds that support both my personal responsibilities and my efforts to assist those in need. This denial is preventing me from continuing my work and making a difference in my community. If this information is not removed, I will pursue legal action.
Product: Checking or savings account

On XXXX XXXX, my checking account in Citibank charged me in this date XXXX dollars, I called the bank and they said that this charged was made by XXXX for a transaction made on XX/XX/2022, and that they are charging me now for this, I told the bank that I have not make a transaction with this company lately and if this was on XX/XX/2022 because I remember buying a jacket on that month, why Am I being supposedly charged again, so I asked the bank to open a dispute for this charged and the bank denied me this service saying to called XXXX and to fix the problem with them. I did what the bank told me to do and call XXXX and I spoke to the financial department that told me that they dont see any transaction made on that date with my debit card and told me to call my bank and ask them to open a dispute. 
I did this again and I was denied again by the bank to open a dispute for my money taken away from my account supposedly by XXXX. Also the las few months I noticed that money is missing from my checking account, like sometimes XXXX, XXXX, XXXX dollars, and when I called to the bank to open an investigation they denied me of this service and this money missing from my account got lost. 
Also I open a dispute on XX/XX/2022 for a charged made for XXXX of XXXX dollars and the bank closed the disputed last month saying that I didnt give them enough information when they sent me a letter by mail, but I didnt receive this letter that is why I didnt send the information requested to me. Citibank told me to send them a letter asking for an appeal to reopen the dispute which I did already but they have not answered me yet. This charged was made when XXXX charged me twice the transaction I made with them, I did receive the merchandise but after 2 weeks, I was charged again by XXXX in my account. 
Im not too sure if I am being robbed and abused by XXXX or Citibank or maybe are both.
Product: Credit reporting or other personal consumer reports

Due to my personal and financial information was sold and bought illegally because of my being a victim of Equifax XXXX XXXX, I am requesting all items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remove these items. Please help me get these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 
Please delete these fraudulent items in my file : XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One will not allow access from my service provider, such as XXXX.
Product: Credit reporting or other personal consumer reports

Amount shown on credit report was never discussed nor was not communicated with consumer. I was not obligated to pay this amount.
Product: Mortgage

I filed a complaint against Celink and they claimed in their response that they took care of the problems ( XXXX ). Not only did Celink NOT resolve either of the original problems, they made it even worse with the criminal act of stopping payment on the check they finally wrote to me for {$9600.00}, which was payment of the insurance claim they had been holding for their own enrichment for eight, now nine, months. Celink wrote the check to me in order to answer my previous CFPB complaint and to claim that they had fulfilled their duty. Then they transferred my loan to another servicer, XXXX, on XX/XX/2021, and they stopped payment on the check! In California that is a felony! I deposited their check in my account in XXXX, but by the time their bank returned it to me unpaid, it was XX/XX/2021. When I tried to call Celink they refused to talk to me and said it is XXXX 's problem now and to collect the money from them. Celink is a deceitful and corrupt company. Before Celink transferred my loan they asked me to put my concerns about the false information they put in the CFPB reply in a letter to a certain address. I did that and Celink sent it back unopened with " Return to Sender '' on it. Celink illegally stole my money and then dumped the problem on the lap of a different servicer. Celink should not be allowed to stay in business. I will not let Celink get away with this, however many who have reverse mortgages are older folks who fall victim to these predatory tactics and lose their homes and their money to unscrupulous businesses like Celink. In addition, Celink never corrected their serious error of filing an unjustified and false foreclosure notice on the property. As executor, I am selling my family member 's estate. Celink filed a foreclosure without any notice at all, without any cause ( there was no money due at that time ), and in violation of my approved HUD Covid protection against foreclosure action. It is my belief Celink was deceptively trying to take the house and sell it at auction, which was their threat to the estate. Because of Celink 's predatory actions and the notice of foreclosure and impending auction that is listed now on realtor 's websites ( because a notice of default was filed with the county ) the estate has not been able to sell the house and close this account. We reduced the sale price of the house by {$150000.00} from the value assessed by the probate court appraiser. This is all because of a phony foreclosure filing by Celink! Celink 's actions have created a financial hardship for the estate. Celink should be investigated for predatory and illegal activities. Please post this on your website as a warning to others. Thank you.