23daVinci/CFPB_Complaints huggingface dataset:
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 USC 1681. 
-XXXX  XXXX : XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights -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. 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

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency Experian, XXXX   and XXXX have not verified my dispute and refused to remove the Bnackruptcy from my report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter.
Product: Credit card or prepaid card

I fell behind on my credit card payments. Discover Card had offered me a settlement of XXXX. I was making payments of XXXX a month via XXXX. Dispite the fact that they received payments they referred me to a debt collector. Since I have been making payments to the debt collector. Discover Card has received at least XXXX. When you include the monthly payments made prior and current payments made. Thats at least double of what the current agreement was. I feel that Discover has received there fair share of payments and should settle the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to these companies to verify that the debt is mine and they can not. I am aware that you must block the reporting of any information that is inaccurate. Please remove these accounts immediately within the 4 day period by law or further actions will be taken.
Product: Credit card or prepaid card

I have a XXXX XXXX giftcard from XX/XX/2017 that I tried to use at the XXXX XXXX store. they said it's too old and I have to call customer service. The gift card does not have a expiration date on it or any terms to use within a certain amount of time. I called customer service and they had me scratch off the silver part and give them the numbers. I did and they said it has no money on it. how is that possible when it a brand new giftcard and I just scratched off the silver part now so there's no way any one could have used it at store or online.they said where's the receipt. i said its from XX/XX/2017. it says the date on the card and i don't have a receipt that old from XX/XX/2017. they said they couldn't help me. Please help me recover my gift card
Product: Credit reporting or other personal consumer reports

****** This is not a duplicate complaint***** This issue was never addressed by EQUIFAX****** Please be advised this complaint is not regarding a dispute of inaccurate information, it simply is for Equifax violating 15 U.S. Code 1681 ( a ) ( 2 ) by not being able to provide written instructions from myself to share my personal information with a third party. Equifax should not be able to avoid this issue or statue under the Fair Credit Reporting Act and must be held accountable since it's been over 3 months since my initial request for written instructions in accordance with 15 USC Code 1681 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i previously filed a complaint with cfpb ( XXXX ) and the company said that it will be removed and closed on XX/XX/2017. the account is still reporting on my credit when it was told to me by the company it would be removed. this is reflecting my credit in a negative light and hurting my true credibility to borrow and pay back.
Product: Debt collection

XXXX/XXXX/15 Medical visit should have been covered by insurance. After months of failed attempts to get doctors office to refile insurance claim, I decided to pay the bill. Check cleared my bank on XXXX/XXXX/2015 & they have now sent this debt over to XXXX Collections. XXXX advised I go back to medical provider ( the same ones who have done ABSOLUTELY nothing to assist me ) in regards to debt, even though the collections letter states to call the XXXX number if there is a dispute in validity. I offered to fax/email and requested info, & XXXX with XXXX would not accept & was of no assistance. I have now called & left a message with XXXX XXXX XXXX billing XXXX & left message complaining of this collection action & requesting contact with supervisor ; awaiting reply. I expect no help from this company in regards to resolution so I wanted to go ahead & start complaint process against the medical provider & the collections co.
Product: Debt collection

Fair Collections & Outsourcing Is listed as a third-party Debt Collection Agency located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX This is my NOTICE of a FACT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt. The debt collector must cease all communication Fair Collections & Outsourcing attempts to communicates. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, such as a credit file. The communication of this debt includes, any instrumentality of interstate commerce or the mails, electronic communication such as emailing, and direct and indirect communication to any CONSUMER REPORTING AGENCY. This is my last attempt in Good Faith.
Product: Debt collection

I had tried to resolve issue with original creditor at first. Simply asking for verification of this debt. I never received a response. When I found out that they sold the debt to this new company I asked this third party to validate this debt. In return they only sent me a letter saying there is a debt for {$110.00} that is owed. I called and explained that this was not validating. I resubmitted for debt validation ; never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Product: Debt collection

Notice is dated XX/XX/2023 from MidlandCredit.com -- notice is listed as 'Pre-Legal Notification ' Supposed debtor is called XXXX XXXX  XXXX XXXX XXXX XXXX : {$1700.00} Listed on notice : Midland Credit Management , Inc wants to work with you to resolve the above reference account. This letter is to inform you that MCM is considering forwarding this account to an attorney in your state for possible litigation. Please pay us at Midlandcredit.com or call XXXX no later that XX/XX/2023. If we don't hear from you or receive payment, MCM may proceed with forwarding this account to an attorney. 
We would like to make an arrangement with you to resolve the above referenced account using the following : Bi-weekly payments as low as {$25.00} continuing until paid. 
Sincerely, XXXX XXXX XXXX XXXXXXXX Midland Credit Management , Inc XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter regarding a co-signed account with XXXX XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX I co-signed a XXXX vehicle for an amount of {$10000.00}. Unfortunately, XXXX XXXX failed to make payments promptly, leading to the account negatively impacting my credit report. 

Despite taking legal action and her mother eventually making the final payment, the account remains on my credit report, affecting my financial standing. I hereby request the immediate removal of this account from the credit report to ensure fair credit reporting. 

Furthermore, I request a refund of the total amount of {$10000.00}, as the financial distress caused by this situation has been significant. I urge you to consider the circumstances and take prompt action to address this matter at your earliest convenience. 

Thank you for your attention to this urgent request
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello All I have called Apple Cash multiple times in order to un-restrict my apple cash account, and they keep on telling me that " they can't verified my identity " when ask why, or how I can resolve the issue they just said sorry sir and hung up on me.

Apple cash need to get this issue resolve. I am worry that my identity, I need to make sure how and why, they are un able to verify my information and how I can resolve it What apple is doing is criminal
Product: Credit card or prepaid card

In XXXX, someone started using my Discover credit card. Purchases were made in a company called XXXX XXXX XXXX XXXX and then the card would be paid off. Discover never called me to authorize the charge but they would freeze my card if I wanted to use it at XXXX in my local town. My card was then used in XXXX internationally and they called me and sent me a new card. Discover called me and said that my card had been used fraudulently and we discover all the charges that had been made. Charges were made and then payments were made for the same amount. All the payments returned in XXXX leaving me with a balance of XXXX in my card. My credit card limit is XXXX. My daughter was the only one with access to my account starting in XX/XX/XXXX. In that month I was hospitalized because of a XXXX XXXX that I have, and then in XXXX we both discovered both of our accounts had been compromised. Now ever since XXXX, Discover has been investigating the account and has said that I am still responsible for the amount hurting my credit. I am not able to buy a home which I have always wanted to do due to this high balance in my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Your Information Full Name ( s ) XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, WA XXXX United States Physical Address ( if different ) United States Phone ( XXXX ) XXXX Email XXXX Preferred Method of Contact Email If you are submitting this complaint on behalf of someone else can you provide a signed authorization from that person? 
Yes Against Whom Are You Filing A Complaint? 


Name ( s ) XXXX Address United States Phone ( XXXX ) XXXX Who You Contacted XXXX support representatives, XXXX Are You A ( If Applicable ) Buyer Transaction Details Type of Transaction Wire/Money Transfer When did the transaction occur? 
Sun, XXXX Amount of Transaction {$2200.00} Complaint/Problem Provide a description of the problem ( remember to include : who, what, when, why and how the event transpired. ) XXXX sent {$2200.00} of my customer 's payments from my business account to an unknown third party out of state who supposedly claimed that I owed them money. There is no court orderer garnishment, no court order for money judgment and no notice either. This is amount to stealing.When I called they said someone filed a lien against my business for a money claim and in response to a debt collector they are not sending all my business transaction funds to that debt collector instead of my business bank account. How can I get the {$2200.00} back? 

Thank you. 

Can you provide copies of documents relevant to the complaint? 
Yes Have you tried to resolve your complaint?

Yes Date ( s ) of Contact XX/XX/2020, XX/XX/2020, XX/XX/2020 Method of Contact Phone Who You Contacted XXXX  representatives Phone of person you contacted ( XXXX ) XXXX Have you filed a complaint or contacted another government agency? 
No What do you think will resolve this problem for you? 
To get my {$2200.00} back in my business bank account How did you hear about XXXX? 
website Attorney Information Do you have an attorney? 
No Declaration By filling in my name and date below, I declare, under penalty of perjury under the laws of the State of Washington that the information contained in this complaint is true and accurate and the information may be used to further investigate the complaint. 


Full Name XXXX XXXX Date XX/XX/2020
Product: Checking or savings account

Bank of America froze my account for no apparent reason. Bank of America said my son had not signed to be listed on my account over XXXX years earlier when I opened the account. As a result checks I had written bounced. This all took place in early 2018. 

I remember calling a fraud number at that time because I was unable to make their compliance department listen to me. The fraud number was XXXX. My account number was XXXX XXXX XXXX. 

I am a retired XXXX XXXX and I feel Bank of America knew exactly what they were doing and thought I would not fight this. I eventually was able to withdraw my money and close the account. I feel as though they were harassing me. 

I have some correspondence from them if you need.
Product: Credit reporting or other personal consumer reports

Date Reported to XXXX XXXX XXXX : XX/XX/2024 Account Number : XXXX Action Taken : Opt Out Letter sent on XX/XX/2024 Balance : {$3100.00} The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling my information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). As a consumer, I have the right to control my information, as outlined in the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 ). This act mandates that financial institutions, which may include XXXX XXXX under FCRA definitions ( 15 U.S.C. 1681a ( e ) ( 2 ) ), must protect my non-public personal information and obtain my written consent before sharing it with non-affiliated third parties ( 15 U.S.C. 6802 ( b ) ). 

Since XXXX XXXX never obtained my written consent to furnish my information, and I have revoked any prior consent ( verbal, non-verbal, written, implied ), their actions violate the FCRA and GLBA. I have the right to opt-out of information sharing at any time under GLBA regulations ( 12 CFR 1016.7 ). Their failure to inform me of this right further strengthens my argument. 

Furthermore, because the reported account XXXX is an adverse item and XXXX XXXX has continued reporting it without my permission, it is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). The FCRA requires consumer reporting agencies to maintain procedures to avoid such violations and limit report sharing to permissible purposes ( 15 U.S.C. 1681e ).
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I called Midland Mortgage to ask about Mortgage assistance. I was told that someone would CALL me back explaining the process etc. I never got a call! I received a letter stating that I would be notified if anything was needed. When I called to pay my mortgage for XXXX, they had changed my payment from {$2700.00} to {$3600.00} without notifying me about this or to see if I wanted this program in which I DO NOT! I tried to call and was unable to speak with anyone. I was not notified of this. Midland Mortgage did this without discussing this with me! I Am furious. I want to pay my regular payment and late charge for XXXX! Now, I cant pay it because when I called they had me with a payment twice as much. I did not ok this because no one called me with any information I want to pay my XXXX payment and they have changed the payment amount with my authorization.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws XXXX. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
XXXX. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information. 
o If you obtained or shared my information without this consent, you are in violation of this statute. 
XXXX. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties. 
XXXX. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability. 
XXXX. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages. 
XXXX. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ive been a Citibank customer for over 2 years and keep a personal checking account and multiple business accounts with Citibank. I visit the XXXX XXXX XXXX branch on a weekly basis and everyone there knows me on a first name basis. Ive had millions in deposits and withdrawals over this time period. On XX/XX/2022. Citibank blocked and closed my Checking Account Number : XXXX and sent me the following letter : Dear XXXX XXXX, We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX. 

Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank, pursuant to the terms of the Citibank XXXX XXXX XXXX Accounts. Your account ( s ) are not restricted from any debits and certain credits ( including debit card purchases ) and will be closed within XXXX days from the date of this letter. 

There is a balance of XXXX in the account. 

I was originally told 15 days in branch and by the representative when I called the customer service hotline that day. Its now been more then 15 days since XX/XX/2022. I can not wait 60 days for the return of my funds and would like Citibank to immediately close my account down and issue me the cashiers check and formally file a complaint about this. 

Why is Citibank holding my money for 60 days?? The original timeline of 15 Days was annoying but acceptable. 60 Days is absolutely unacceptable and criminal. Im probably not the only person this is happening to and Citibank is probably making tens of millions of dollars holding the funds from blocked accounts set for closure for 60 days. 

I implore the OCC to please reach out to Citibank on my behalf and help resolve this issue to get Citibank to immediately close down my account and allow me to pick up my funds in a cashiers check in branch or have the check mailed to my address without any further delays. 

All the best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from LVNV FUNDING LLC which lists XXXX XXXX XXXX XXXX as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to LVNV FUNDING LLC. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number then please contact the collection agency and have them remove this account due to inaccurate reporting. XXXX XXXX XXXX  and LVNV run the risk of being taken to small claims court per violation of the FCRA and FDCPA regulations.