23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year 2013 my identity was stolen, unbeknownst to me, someone use my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to each creditor and the credit reporting agencies via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THE EQUIFAX COMPANY REFUSES TO RESPOND AND STOP REPORTING THESE INVALID ACCOUNT UNDER MY NAME ATTACHED YOU WILL FIND THE COMPLETE IDENTITY THEFT FILE FOR XXXX XXXX INCLUDING MY FEDERAL TAX RETURNS THAT SHOW MY ADDRESS AT THE TIME THESE ACCOUNTS WERE OPENED FRAUDULENTLY. 

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

Dealer submitted many inquiries without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy public record that is reporting to my credit report that belongs to someone else with a similar name. I called then visited the courthouse but they could not locate the file in my name with a matching Social Security Number. I contacted the creditors and credit bureaus to remove the bankruptcy along with the accounts relating to the public record. The creditors have removed the accounts off two of my credit bureau reports so far, but the actual bankruptcy still remains on my credit reports despite the removal of the associated accounts. Please help me remove this blemish on my report because it not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : Bank of America is maliciously and intentionally placing false information onto my credit files, with the intent of destroying my credit rating. 

Bank of America has placed a charged off debt balance in the amount of {$770.00} onto my credit files, a debt that they know that I did not run up. 

The fraudulent balance that Bank of America is reporting to the credit bureaus regarding said account, they ran that balance up themselves, with false usury charges, and fees. 

I have had no dealings with Bank of America since around XXXX of XXXX, the status data information that they are showing on my credit files, is all false made up information. 

As previously stated, I have had no dealings with Bank of America since XXXX of XXXX, and by what the copy of my credit file that I have provided to you is showing, the information as how they have it reflecting in the ( Payment history XXXX on my credit file, is all falsified. 

Bank of America is wrongfully slandering my credit, they are falsely listing as though I had dealings with them in XXXX. 

And in the ( Status ) at the top right hand corner of my credit file, you will see that Bank of America is claiming that I had a charged off account with them as of XX/XX/XXXX, and that is a lie. 

Last year there were many phone calls that were made to my cell phone, by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 

I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling for Bank of America, regarding this credit card account.
Product: Credit reporting or other personal consumer reports

With 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. 

Diversified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by 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: Debt collection

XXXX lost a credit card dispute with XXXX XXXXXX/XX/XXXX card for {$150.00}. The XX/XX/XXXX company was trying to give me {$80.00} inXX/XX/XXXX instore credit which I have no use for. I used the XX/XX/XXXXservice for 10 days only then canceled it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing Equifax to block this account from the credit report of XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Please follow this letter thread as my description and Coinbase 's response, which I have not heard back from them on since. 

RE : XXXX XXXX # XXXX # # # # # # # # # # # Dear Sirs, I made a wire transfer that was issued on XX/XX/XXXX and received into the Coinbase accounts by XXXX XXXX XXXX  on the same day. 
I have been attempting to locate this wire via my credit union since before the holidays without any luck. 
As of today, XX/XX/XXXX, I was able to verify with XXXX XXXX XXXX that the funds were received on the wire date. 
The monies in question, {$2900.00}, are intended to go to either my XXXX account under the name of [ Name ], or can be issued to my Coinbase account under the same name. As of today, they still are not credited to either XXXX or Coinbase. 
As you can imagine, this is a completely unprofessional and unreasonable amount of time for nothing to be showing up in my account ( s ) and I expect that there will not be any fees applied once the funds are found and credited. Of course, if this does not happen, my next course of action and compensation for this delay will be through legal means. 
Please have a representative get back to me by phone AND email regarding these funds, and what course of action will be taken. 
My phone number is xxx-xxx-xxxx. If a message is left, I need a direct line and extension number to respond. 

Regards, [ Name ] Response # 1 After phone call and email to priority support. 
" Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Response # 2 After phone call 10 days later, on XX/XX/XXXX " Hi again [ Name ], Ive just checked your account and can confirm that your request has been properly escalated. 

For fastest response, please do not create multiple tickets about your issue. 

Once your request is cleared, well be sure to follow up. 

Thanks so much for your patience and for working with us on this. 


They have had my money now for 60 plus days, with no acknowledgement whatsoever that they have received it, much less taking action to do something with it be it a refund or credit into my account ( with compensation of some sort for all this trouble ) I want my money back with interested/compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX  account number # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted original dispute on XX/XX/2020 and its been over the 30 days period. Sent a vod letter. No answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for  XXXX  and  XXXX  to remove an account on my credit report that is inaccurate. I have stated that I do not owe Hunterwarfield {$1700.00} this company is committing false information on my credit report. Both   XXXX   and  XXXX  have removed Hunterwarfield on my credit report in estimated time  XXXX  of  XXXX . Now they have put this back on my credit report  XXXX   XXXX ,  XXXX  which this is damaging my credit report and NO ONE will rent to me even with a dispute on my credit report. I do not have any documents to back this information simply because I do not owe  Hunterwarfield  any kind of currency. I have sent both   XXXX   and  XXXX  a letter to remove this off my credit report  XXXX   XXXX ,  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

They show a XXXX XXXX XXXX  account XXXX XXXX '' and I filed a dispute and they said it is my debt and I have never dealt with a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Student loan

When my Stafford subsidized loan was serviced with just XXXX, my interest rate was 5.8 %. Since they were sued and split into XXXX companies, my same loan from Navient is listed as 6.8 %. I signed a promissory note back in college to a fixed interest rate and they changed it when the " new '' company took my loan over. I have screen shots to prove.
Product: Debt collection

Received a notice in the mail from " Complete Payment Recovery Services, INC '' stating that an electronic payment in the amount of {$4.00} was returned unpaid and has been referred to Complete Payment Recovery Services for collection. I've never heard of this organization. The letter was addressed to " XXXX XXXX '' with my address.
Product: Debt collection

Capital Bank is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. Capital One is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account by name of XXXX
Product: Credit reporting or other personal consumer reports

XXXX loan servicer a third party debt collector is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on ALL my credit report. 
The reports states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX  and even transunion prior to XX/XX/2023! I am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent! 
I sent many dispute letters via certified mails and they are NOT RESPONDING!! and violate the cease and desist notices i sent. 
Per 15 U.S. Code 1681 Without them being able to provide me with theproof of the debt, I am requesting that XXXX and all credit bureaus to remove this CLOSED account immediately from my credit reports that is causing damage to my name and credit worthiness. i need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Bank account or service

SUNTRUST BANK IN FLORIDA ISSED A CASHIER CHECK IN THE AMOUNT OF {$4200.00} CK XXXX AND REFUSING TO HONOR PAPER. 
THEY ARE IN VIOLATION OF THE DOOD-FRANK ACT FOR ISSUING FRAUDULENT CHECKS TO CONSUMERS.
Product: Credit card

XXXX XXXX XXXX hereinafter referred to as XXXX ' ) offers the Membership Rewards program, a loyalty program that allows customers to earn points. XXXX allows customers to transfer their points to various airline and hotel loyalty programs at a XXXX ratio. 

I reviewed my account and saw I have XXXX available points. Based upon the points being listed as available, I began to make tentative travel arrangements and other plans. 

On or about XXXX XXXX, 2016, I submitted an online request on XXXX website to transfer a portion of my points to my XXXX XXXX XXXX account, but I received an error message and a prompt to call customer service to complete the transfer. 

Accordingly, I called XXXX and and was informed for the very first time that my points were actually not available for use. This is in direct contradiction of the points being listed as available on XXXX website. I was told that I could not use or transfer any of my points for 6 to 8 weeks. 

I feel this time is extremely unreasonable and destroys my opportunity to travel during the summer. Prior to attempting to use my points, I was not notified that my points would not be available for use. Further, XXXX continues to extend time-sensitive targeted offers to me to encourage the use of the points, thus reinforcing my belief that they are available. I just paid a {$450.00} annual fee for the card and the service I 've received is unsatisfactory. 

I am seeking the immediate availability of my XXXX Membership Rewards points to use for transferring to an airline partner on my account.
Product: Bank account or service

I 've had my bank accounts with PNC Bank for several years now with basically no complaints. In XX/XX/XXXX, I had XXXX fraudulent charges on my debit card, which PNC refunded ( stopped payment ) on XXXX of the XXXX. They left me hanging for the fourth - XXXX XXXX confections and told me I was on my own, but provided me no details of the transaction. As a result of the fraudulent charges, PNC issued me a new debit card, which is where this complaint starts. On XX/XX/XXXX, XXXX charged my NEW debit card {$95.00} and I have not given this card # out to any companies or used it online. So, I called PNC and asked them to file a dispute. Again, they told me they offered no support, I was on my own. I asked them for Corporate Security and to start a fraud investigation. Only then did the representative take a 'questionnaire ' from me about the incident. During this 'questionairre ' she asked me to falsify my first answer " Did you give out this card # to the company in question? '' She informed me that answering yes would expedite my process, answering no would cause me problems, But I did n't give out the card #, what am I supposed to say? " If you say yes, your claim will be processed, if you say no, you will have difficulties with this claim. '' I told her I was n't going to lie and left my answer as " no '', I had not given out the card #. Feeling uncomfortable, I asked to escalate this complaint. She complied by giving me a # I could leave a VM on. After that, I asked her how a random company could get my account information. The representative informed me that upon issuance of the replacement debit card in XX/XX/XXXX, PNC had done me the 'service ' of giving out the new card information to any merchants who had claimed a recurring charge on the old card. WHAT?!? I asked her to repeat what she had just told me and she did from her script. Again, WHAT?!? You replace a card for fraud, and give out the new card information without my knowledge or approval? I want my money back. I want damages. I want credit monitoring due to the breach by PNC.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : XXXX. The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX The following account is not mine XXXX XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX XXXX. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.
Product: Money transfer, virtual currency, or money service

I've been doing business with Venmo for some time and i complied with all of their requests, i supplied them with my SS. number my residence address, my telephone number, my email address, my personal account number at XXXX XXXX my business account number at XXXXXXXX XXXX 
Then one day they freezed my account for no good reason only saying they need to verify that this account belongs to me and the only way they will do it is if I will send them a photograph of my ID, I told them I don't feel comfortable sending my ID over the internet and they have enough information if they need to verify that this account belongs to me. 
I called a few times and spoke to different representatives none of them could help me unfreeze the account saying the only way I can do it is by complying. and now i have to send them a SELFIE of me holding my ID in addition to a copy of my ID card. i really don't feel conferrable doing that. 
I have attached the email thread I've been discussing with them. At this point they will not let me transfer my funds to the same bank they have on file or let me make any purchases.