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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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: Mortgage

During COVID my wife was unemployed due to XXXX, so I requested Forebearance from my lender XXXX XXXX XXXXXXXX which I was approved, this lasted 18 months. after 18 months the bank gave me XXXX XXXX XXXX, I declined it because I thought modification would be better for me. I started modification application back in XX/XX/XXXX, every week the bank will ask for more docs, finally XXXX  XXXX XXXX sold my loan in the middle of the Modification process to Selene Finance on XX/XX/XXXX. 
Since Selene took over servicing of my loan I've been sending them docs and more docs, on XX/XX/XXXX I received letter indicating DECLINE of modification due to lack of income and giving me XXXX options : Short Sale or Deed in Lieu. I appealed their decision using their Modificaiton Appeal Form on XX/XX/XXXX using my XXXXXXXX XXXX income whoe lives with me for {$4000.00}. I called today XX/XX/XXXX to get a status I was told that the Appeal was declined too. Meantime I've received in registered USPS mail twice indicating Notice of Default and Intent to Accelerate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times that and a Collecrion be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.
Product: Credit reporting or other personal consumer reports

This email is phishing scam. It is a very well crafted email that appears to be from Experian.com. When I responded to email to view my FICO score it said my password was wrong. then prompts to fix password or get new password, asks for my SS number and so on. I was quite frustrated with it when I realized it was from a wierd address not usual Experian address. 

I enclosed below. 


Experian www.experian.com Top picks from Experian Connect with your credit day or night for FREE. 

XXXX, your FICO Score has been updated XXXX / Inbox Experian Alerts This email was sent by the organization that owns the logo shown. 
www.experian.com From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XXXX  Experian Logo Membership ID # XXXX Sign In Decorative Image XXXX, please review your alert FICO Score Great job! Your hard work paid off and your score increased. 
See all alerts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This email contains important updates related to your account. 

To make sure you don't miss account updates, add XXXX to your address book and don't mark these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze FICO is a trademark of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX  an Experian company. All rights reserved. 
Experian, XXXX XXXX  XXXX, XXXX, TX XXXX Experian logo
Product: Credit reporting, credit repair services, 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 u.s.c. 1681 XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX5 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. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information. Other than records of convictions of crimes which on dates 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

Experian and XXXX  are reporting incorrectly a collection in the amount of {$2500.00} on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original creditor was XXXX  XXXX XXXX. The date of last activity on this account is over ( 7 ) years old. Reporting this line item is a violation of the Fair Credit Reporting Act and needs to be removed. In addition, this false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I sold some items in XXXX and my Paypal account was credited. 

I want to transfer that money into my bank account. 

Paypal requires me to provide my bank login credentials ( userid and password ) in order to make the transfer. 

Why do I need to provide my login credentials? 

It is sufficient to provide routing number and my account number. 

Can you please help me get my money? 

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

After previous disputes I was able to get   XXXX   XXXX   and  XXXX   XXXX  off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report   XXXX   XXXX   has n't reported since  XXXX    XXXX   they were removed  XXXX    XXXX  .  XXXX  was removed in  XXXX    XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports.
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) obtained a Garnishment ( XX/XX/XXXX ) order but failed to properly served notice to me because they had my incorrect address. On XX/XX/XXXX XXXX XXXX  garnished 100 % of my direct deposit ( paycheck ) leaving me with no money to feed my XXXX kids and leaving me unable to provide basic needs for my family for the following XXXX weeks. Hood and Stacy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX also represent XXXX XXXX XXXXXXXX ( XXXX which had my checking accounts ) .Garnishment was sent directly to XXXX XXXX  XXXX of my employer. It seems like XXXX XXXX provided inside information to Hood and Stacy as of when I got paid and amounts and that is how they garnished 100 % of the balance of my XXXX on the day I got my paycheck. Neither Hood and Stacy ( XXXX, AR ) or XXXX XXXX were concerned about leaving us with no funds for basic needs. Hood and Stacy did not do due diligence on process server or made any attempts to contact me to settle this debt before preoceeding with garnishment. A detailed investigation in this matter would be recommended to prevent this type of predatory practices to consumer that are trying to survive and make meets end.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the multiple overdraft fees that have been applied to my account. These fees were charged despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly assessed overdraft fees. This issue appears to align with recent findings by the CFPB, which highlighted similar practices by Navy Federal Credit Union, where transactions were settled as overdrafts despite having adequate funds. I consider these practices to be deceptive and unfair.
Product: Debt collection

Received a notice in the mail from XXXX XXXX collect a debt owned by LWVD funding. Resurgent is the company handling the accounts owned by the debt collector. They gave my PII leading to invasion of privacy without my consent to a third party servicer ( XXXX XXXX ) when asked about this practice and more legal info I was told by XXXX to contact resurgent. When I contacted resurgent I was told I could submit a request in writing. I also had some dispute issues to address per state law and asked for a supervisor for an email to send supporting documentation for the issue. My request for transfer was denied. To get the debt addressed per my rights under the law these policies and practices seem unfair.
Product: Credit reporting or other personal consumer reports

I am writing to address several accounts on my credit report that I believe are inaccurate and have not been properly verified. After reviewing my credit reports from other bureaus, I noticed discrepancies that suggest these accounts may not have been thoroughly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and to conduct a comprehensive investigation when a dispute is raised. 
Based on the information I have, I do not believe these accounts were appropriately verified. 
The accounts I am disputing are as follows : Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX  - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified XXXX XXXXXXXX - XX/XX/XXXX - Unverified XXXX XXXX XXXX  XX/XX/XXXX - Unverified XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - Unverified XXXX XXXX  XXXX - XX/XX/XXXX - Unverified XXXX XXXX - XX/XX/XXXX - Unverified XXXX  XXXX - XX/XX/XXXX - Unverified XXXX  XXXX - XX/XX/XXXX - Unverified XXXX XXXXXXXX - XX/XX/XXXX - Unverified XXXX XXXX XX/XX/XXXX - Unverified I am also aware of the recent lawsuit between the Consumer Financial Protection Bureau ( CFPB ) and Transunion, which highlights issues with improperly handled disputes.
Product: Checking or savings account

Made a few transfers from XXXX to Wells Fargo. Three went through. I have since tried to transfer funds but Wells Fargo is blocking me receiving funds. Ive called them but they give run around. They are unprofessional rude dismissive and disrespectful. The so called supervisor XXXX  was just silent et refusing to help. She has poor customer support skills. She would not take any action to see about and fix block on my account. She is not the only one. In general the staff is dismissive disorganized and disrespectful. They do not inform customers. They are unwilling to help and are not upfront. I want my funds and should not have to go through this harassment. They are a sneaky institution that had very little regard for their customers. Why do they make things unnecessarily difficult. I want my case settled et for them to be pro-active
Product: Checking or savings account

This is in addition to previous complaints and feedback that was provided. 

USAA has stated that I applied for a loan with party or parties unknown and gave another USAA member ( XXXX XXXX XXXX ) authorization to access my account. Both of those statements are false as I never gave XXXX XXXX authorization to access my account USAA investigated and determined I was the victim of fraud, refunding me {$10000.00} for a secondary account, and writing off a significant overdraft on the primary account as fraud. But never refunding the money that was in the primary account prior to the fraud as well as a XXXX deposit and XXXX private pension deposits, all made after the account ( XXXX ) was restricted pending closure. XXXX XXXX XXXX Government investigated and determined I was the victim of financial exploitation. 

I have provided the company ( XXXX XXXX and registered agent ) XXXX demand letters with exact amounts they owe me and the reason ( XXXX ) I want the company to provide me with XXXX a copy of anything physically signed by me authorizing XXXX XXXX XXXX anyone access to my account XXXX any note, agreement, promissory note etc. for a loan XXXX a copy of my call to USAA removing and blocking XXXX XXXX XXXX it was discovered she had access XXXX a copy or accounting of where the funds went to XXXX XXXX and after they left XXXX XXXX ' account. 
XXXX. Anything from XXXX XXXX XXXX XXXX XXXX XXXX, Ca showing that I applied for a loan or anything other than a {$10.00} investment package My evidence is solid. And after being a USAA member for XXXX years, their solution was to close both checking accounts and a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE FORMER NAMES THAT ARE NOT MINE
Product: Credit card

I received an email on XX/XX/year> from American Express to make a payment of {$740.00} in 3 days time as they are conducting a periodic review of the account. To give a broader perspective into the matter, my credit limit on American Express Card was {$20000.00} during the time and my usage was only {$2200.00} and the minimum balance payment that was required to make was {$0.00}. Now after receiving the email to make a payment of {$740.00} I went to the Amex App to see if there was any pending payment and their wasn't any payment required. I wanted to confirm if this is authentic so I contacted the customer care through the Amex App Chat on XX/XX/year> which is a XXXX  and the customer care professional asked me to contact the the number XXXX XXXX XXXX XXXX XXXXXXXX to XXXX. So I had to wait next 2 days to contact the team to know the reason and I only had 1 day left to make the payment of {$740.00} since they only gave me total of 3 days to make the payment to keep the credit limit as it was. Now, on Sunday I had to make a purchase and my card was declined. I was not informed about the card would be blocked prior. This was a total embarrassing and stressful moment. 
My complaints are : 1. I was not notified that the card would be blocked as my app had {$0.00} minimum payment and I had made required payments on time every time and my usage was only {$2200.00} of the {$20000.00} credit limit. As a consumer and who pays bills on time, I need to be notified if they are going to block my card. This was a totally deceptive practice from American Express to block the card without prior notice.

2. I was only given 3 days to make the payment without any time for me to know the reason and make a dispute. And since the 2 days were weekends, in reality I only had 1 day to contact American Express. 

I called the number they provided on XXXX  XX/XX/year> to know the reason and make an official complaint and talked with the customer care agent however I haven't received any reply email in receiving the complaint. On XX/XX/year> I received an email saying my credit limit is decreased to {$3000.00}. The whole event was totally frustrating, embarrassing and mentally depressing. I seek compensation for the deceptive practices and failing to resolve or even acknowledge the disputes for the harm that has caused over this period since XX/XX/year> from American Express.
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 XXXX usc XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U.S.C. XXXX section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A section XXXX, states a consumer reporting agency can not furnish and account without without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 and crimes which antedates the report by XXXX  years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe.
Product: Credit reporting or other personal consumer reports

I recently noticed on my consumer reports that there are inaccurate and incomplete information which is a violation of 15 USC 1681 e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Attached is proof of col lection ( s ) account ( s )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  , Please follow suit and delete these accounts. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not still be on my credit report. Here is a copy of   XXXX   XXXX   for findings and proof of their removal of these items. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me a updated as soon as your investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on XXXX  credit file and acct number XXXX and XXXX on the Experian file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.
Product: Money transfer, virtual currency, or money service

I was scammed by a supposedly XXXX XXXX a gaming website. I already go through a agent. However I was looking for a 1st deposit bonus match. I sent {$10.00} through Cash app. After verifing that the suppose agent had set me up a XXXX  account. I kept getting accuses from the scammer and requesting me send more money because the {$10.00} was enough to put on the game account. In which I told him I was sending no more money. To send my money back. After calling him a scammer I was blocked. I However did think to screen shot the whole conversation and that the money was not loaded to game app. I reported to Cash App. XXXX from Cash app told me that they would take action against the scammers account However they where not going to refund me money because they don't do that. 
It was sent to cash tag XXXX XXXX in the amount of {$10.00} at XXXX XXXX  on XX/XX/2023
Product: Credit reporting or other personal consumer reports

The company has taken over 60 days for many disputes including the most recent with CFPB. They have not updated my credit scores either and all trade lines across all XXXX of my reports match equally. My income to debt ratio is also excellent. My income is XXXX a year annually. Yet, my credit score is XXXX and nearly XXXX with XXXX and XXXX and XXXX points lower with Experian v XXXX. 

I feel that there is bias with this company because I choose not to use their Boost system any longer and they are penalizing me for filing complaints. My credit score has actually gone down with them since finally complaints and my payment history has actually gotten better with paying off a student loan and all of my credit card debt. Explain this Experian?
Product: Debt collection

An account for monterey financial services appeared on my credit report I have no idea what it is or from I disputed it and they reports it as accurate and it does not belong to me
Product: Debt collection

I have tried several times to get verification of this debt from the debt collector. I asked them to send documentation that included my signature and they refused. After refusing to provide verification they flagged my credit, as well as marked it as a refusal to pay. I disputed this collection with the credit bureaus in both XXXX and XXXX
Product: Checking or savings account

On XX/XX/2023 I received a domestic wire from a company its was a refund for a purchase that the company that wired me back couldnt deliver, and after trust bank accredited my account they block it and hold the funds and doesnt want to give me the reason while they holding XXXX usd.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant XXXX to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.