23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. 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 Equifax 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 Equifax, 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 whichis 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 1681b of this title. Equifax 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

There are inquiries from Syncb/XXXX, XXXX, & XXXX XXXX   on XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
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. 
XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX  XXXXXXXX-31613has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

On Monday XX/XX/2021 at approximately XXXX XXXX, I received multiple phone calls to different family members phone numbers from an unknown number trying to reach me. There was no company name mentioned in the voicemail, only a phone number ( XXXX ) When I called this company back, they told me that I had a debt and when I requested a validation notice through mail that I did not receive, an employee supervisor named XXXX XXXX stated that they can not send me another validation notice because they simply do not have time and that the Fair Debt Collection Practices Act does not apply because I am in the pre-legal stage. I am being harassed and not being told or made aware of my right to dispute this debt. The companys name is XXXX XXXX XXXX
Product: Prepaid card

I have a Wells Fargo non-reloadable gift debit card. I activated the card several years ago and assume there is still a balance on it. The card has now expired. I reached out to Wells Fargo to determine the remaining balance because the funds do not expire. They told me they could not help me unless I can tell them what the initial balance was, and that there is no other verification they can do. The card was good thru XX/XX/year> so I have no idea the initial balance. They also refused to tell me what happens to the balance that I can only assume will sit indefinitely because I do not know the initial balance. 

I have to wonder how many other customers there are where they are holding funds hostage because of this very specific verification criteria. 

I have been a customer for over 40 years, and was an employee of XXXX for 32 years. This questionable practice is very disappointing.
Product: Payday loan, title loan, or personal loan

I completed a loan with GreenSky to add solar panels to my home. The vendor, Texas XXXX XXXX, told me that the solar panels would cut my electrical cost a the lest in half and in some months I would receive no bill. The owner of the company was my sales person, XXXX XXXX XXXX. I have the emails back and forth showing he was making by payments for the first 3 months due to this problem. The panels are still now working and he will not return my calls, emails, or text. I spoke with him using a different cell phone number and he promised to send someone to fix the problem. Once this did not happen I stopped paying the GreenSky bill due to finically not being able to do so. I reported the problem with the vendor to greensky and have been told this case is closed that they will not look into this any longer. I was told that the vendor assured them all was in working order and I assured them it was not working as I was told they were. The only calls I have received from GreenSky is debt collectors threating me about paying my bills and not attempted to help another possible victim of Texas XXXX XXXX or XXXX XXXX XXXX. The amount of my loan was {$25000.00}. This was based on a payment I would be able to afford and system that could perform.
Product: Debt collection

moved out of a home and was charged bogus fees. the company added extra things and tried to charge for preexisting issue. the company was previously reported to hud for not allowing me to move to a different home i think these cahrges are based on retaliation to those fees
Product: Credit reporting or other personal consumer reports

Sent XXXX XXXX a letter demanding they verify I owe the debt and they always ignore my request
Product: Mortgage

I am working with Bank of America on a home loan. The closing is scheduled for today ie XXXX XXXX, 2015. But even after repeated requests I was not provided the closing disclosure documents. They just sent it to me and its not what we had discussed initially. They pushed out my closing several times stating they had not received some documents from the closing attorney etc. I dont understand how they can be so lax in their approach. Why cant they track progress and raise a red flag if something is not happening on time..This has caused tremendous discomfort and heartache to my family and me. Pls help..
Product: Credit card or prepaid card

Around XX/XX/XXXX my ex girlfriend moved out of my residence due to the end of our relationship, she changed all my personal information on a credit card that we opened together and submitted to Chase Bank her own personal information without the bank notifying me that my PI was changed to my ex girlfriends information. She maxed out the credit card to an amount of over {$18000.00} around XXXX of XXXX and I was only notified by Chase Bank after the card was maxed out. Chase Bank informed and notified me of the change of the name, address and email address from my account, making it impossible for me to realize what was going on. Chase Bank declined to move forward in anyway even though several calls to the Fraud Unit and Dispute Team. Again, Chase Bank failed to notify me in regards to the changes of my personal information to my ex-girlfriend information and only made me aware of that after the credit card was maxed out by my ex girlfriend. My outstanding credit history was damaged by her actions.
Product: Credit reporting or other personal consumer reports

I filed a dispute in XX/XX/2023 to Experian and advised that I never had an Auto loan with XXXX XXXX. I submitted my theft affidavit and they told me that they were not blocking the account. I told them that it was fraud and they still refused to block it and would not send me verification on how they verified the account. They are in violation and its unfair that they are reporting this information and then Experian responded back saying it was frivolous and wouldnt even tell me how it was frivolous. I should be able to dispute something that is inaccurate. Then on top of the that they removed it and added it back without sending me any notification.
Product: Debt collection

I sent a letter of communication to the original providers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting a settlement. Then they sent it to a collection agency instead of responding to me. The collection agency sent me correspondence instead and also sent the medical information with details from the hospital without any XXXX release signed to a third party.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX Social Security : XXXX TransUnion XXXX XXXX To Whom It May Concern, [ Date : XX/XX/XXXX ] URGENT MATTER I am writing to formally dispute and request the immediate removal of fraudulent accounts and information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent entries and will be challenging them based on violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
I request the removal of the following fraudulent non-mailable addresses : XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Additionally, I request the removal of the following fraudulent accounts from my credit report : XXXX. XXXXXXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Card XXXX. XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Card In accordance with the FCRA, I demand that you comply with the following provisions : 15 U.S.C. 1681 : I have the right to privacy and confidentiality, and the listed fraudulent items must be removed from my credit report.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report any information that is adverse and exceeds seven years from the date of occurrence, except records of criminal convictions.

15 U.S.C. 1681s-2 : A person or entity shall not provide any information to consumer reporting agencies if the information is inaccurate, and your company is responsible for ensuring the accuracy of the accounts listed above. 
15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information provided to them.

If the above accounts and addresses can not be verified within the 30-day period stipulated under FCRA Section 609 and 611, they must be removed immediately. Failure to comply will result in legal action, and I reserve the right to file a small claims action against your company for any damages caused.

Please confirm receipt of this letter and provide the necessary documentation verifying the legitimacy of the fraudulent accounts listed above. I expect a response within 30 days, as mandated by federal law. Failure to provide a satisfactory response will result in legal action.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
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 XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



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

In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX   more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated  XXXX   XXXX ,  XXXX , the account first became delinquent on   XXXX   XXXX   XXXX   although  XXXX  credit file has the first delinquent date as   XXXX   XXXX   Another credit file has the date of first delinquency as   XXXX   XXXX   XXXX  . I have attached copies of the credit bureau files for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!

RESPONSE DISPUTE! 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT IT IS NOW XX/XX/XXXX XXXX XXXX more than 30 days!!! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts opened by someone else being reported on my credit reports by XXXX  XXXX via the following agencies : Early Warning Systems ( EWS ),  XXXX, XXXX, XXXX and XXXX, amongst others known and/or unknown at this time. The following accounts erroneously being reported by XXXX XXXX are not mine and are either the result of an error or identity theft being perpetuated by an unknown individual who has had physical possession of my identity documents since XX/XX/XXXX : XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX Credit Card Acct. # : XXXX Additionally, these fraudulent accounts are being reported as well, which were not opened by me : XXXX XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX Acct. # : XXXX XXXXXXXX XXXX Acct. # : XXXXXXXX XXXX XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX Additionally, the following seven inquiries are fraudulent and were not initiated by any action on my part : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Only XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Purchased a coat on XX/XX/2016 at XXXX 's in the amount of {$140.00}. Paid with my debit card. Sales associate asked me to sign up for a XXXX 's debit card to get a {$25.00} discount. I signed up. He linked the debit card to my bank account. A few days later I was debited again for the coat. I refused payment since I paid at the store in XXXX on XXXX XXXX and XXXX. 

I submitted statements to XXXX indicating debt was paid. Associate at store agreed it was paid. Still it went to Collections. I sent copy of statement to Collections Agency. XXXX 's has now sent it to three different collections agency. I am not paying for the coat again. 

The collection agency that contacted me today CALLED ME FIVE CONSECUTIVE TIMES WHILE I WAS AT WORK. I was at work and could not answer. They are not allowed to call me five consecutive times if I do not answer that is harassment. I will be filing a second complaint against AMsher. My complaint is related to their communication tactics.
Product: Credit card or prepaid card

My prepaid Bank of America Debit card account was frozen 5 months and Im having a problem getting the account unfrozen even though Bank of America has sent me two letters stating that they are the ones who frozen the account and to contact them to unfreeze the account but are refusing to help me at all and they are basically keeping money that doesnt belong to them.
Product: Debt collection

I continue to get calls from the number XXXX. I have explained to them that the number of the person they are looking for does not own the phone number that they are calling. The XXXX representative hung up in my face and the XXXX said that they would remove me, but they have continued to call. The company is supposedly called 1st Recovery Associates.
Product: Debt collection

From what I could find out I paid a dentist years ago and without any permission, this was sold to a collection agency for double payment. This was paid in person and by insurance 1.5 years ago making this a fraudulent attempt to collect double.
Product: Credit card

**Issue Summary : ** While I was on XXXX XXXX military orders, Discover Card sent a verification request to my home address. Due to my XXXX XXXX status, I was unable to receive or respond to this request in a timely manner. As a result, Discover cancelled my credit card account without further communication or consideration of my military obligations. 

**Details : ** - **Active Duty Period : XX/XX/XXXX - XX/XX/XXXX - **Date of Verification Request : ** Around XXXX - **Date of Card Cancellation : ** Around XXXX Despite my military service and the protections afforded under the Servicemembers Civil Relief Act ( SCRA ), Discover closed my account, causing unnecessary inconvenience and potential harm to my credit. I believe this action was unjustified, especially considering my inability to respond due to my active military status. 

I request that Discover review this decision, reinstate my account, and ensure no negative impact is reflected on my credit report.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that some inaccurate accounts reporting. I submitted a dispute, and nothing has been resolved. I contacted the companies to request these inaccuracies be removed and did not get any response. I requested that these companies provide me proof that these accounts belong to me but no response. I've been working on this issue starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.