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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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  has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have 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 1861c ( 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 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

on XXXX 2023, XXXX XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX  XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides XXXX XXXX XXXX  did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.
Product: Bank account or service

My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior.
Product: Checking or savings account

I had done a charge back against XXXX XXXX with my bank because they lied to me about the price of a phone that if I paid off my old phone I could get the new one cheaper the lady I talked to at XXXX XXXX told me to let my bank know that she would approve the charge back so I told my bank they did the charge back of {$660.00}. This was back in XX/XX/2023 this all happened i woke up today XX/XX/2023 to a negative balance in my checking account of {$660.00} come to find out my bank did a reversal of the funds and with no warning no letter telling that they were going to do a reversal of the dispute nothing. XXXX told me they would agree to giving me back my money so my bank had no right to sit and reverse it back after they already allowed me to do a charge back 4 months ago and gave me the money. I am now negative bank balance and I can not afford to pay for this mess up my bank caused they wont work with me they dont even seem to care and I dont know what to do Im living pay check to pay check as it is this is not my fault what happened this is my banks faults not mine. Oh and if my bank wants to know I did call XXXX and told them I opened another dispute with you for them and they told me they were going to again refund the {$660.00} cents so you cant sit and tell me another lie that XXXX didnt agree with the refund cause they just did just like they agreed 4 months ago to it too honestly I really do feel like my bank is straight up trying to scam me and if this is not resolved I will be seeking legal help.
Product: Credit reporting or other personal consumer reports

Requesting method of verification who did you speak with, what are the methods used, where is your proof show me that your verification method was complete accurate and verifiable XXXX XXXX  Account number XXXX
Product: Student loan

On XX/XX/year>, I requested to cancel to my income contingent repayment plan for a consolidated XXXX XXXX load with Mohela and to change change my loan to a extended graduate repayment schedule plan. They agreed over phone. They provided confirmation number of change- # XXXX As of XX/XX/year>2025 they not make any change to my plan and did not communicate at all with me after this phone call. My account still is on the XXXX plan and Im being billed almost {$1000.00} more a month as a result. 

I have federal right to change my plan. I worked with 3rd party Student loan consultants before I contacted Mohela to confirm all steps are within my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to the three credit bureaus about a bankruptcy REF XXXX XXXXXXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Experian credit report it is reporting credit card usage. I contacted them via written dispute on or around XX/XX/2019 and XX/XX/2019 stating they are reporting credit usage and I don't have any open credit card accounts so I shouldn't have any usage. They responded stating my information was updated however it's still reporting. I called Experian dispute department on XX/XX/2019 to speak with someone in disputes directly and my issue was unresolved which I think is mainly due to the representative being in XXXX XXXX and not fully understanding my issue. Which leads me to my second concern I am not sure my identity and personal information is being thoroughly protected when it can be accessed internationally. It is no way a company in XXXX XXXX should be managing and accessing personal information for consumers in the US.
Product: Credit card

On XX/XX/2016 I noticed a charge on an XXXX credit card, that my wife has and is maintained by Barclaycard, This card is attached to my own card. The purchase was made from XXXX XXXX XXXX XXXX. I questioned this and she said she did not purchase anything at that company. She called the card company and the charge was removed and a new card issued. On XXXX/XXXX/2016, Barclaycard charged her NEW card 3 times for the same purchase. After several calls and investigations opened, the charges were removed but she was told that they would start an investigation and if the charge was legit, it would be reapplied to her new card. Well, it ended up that the vendor determined that the charge was legit and the item sent to a person in XXXX XXXX, VA. The charge was then reapplied to my wife ' NEW card. I told the investigator that we do no know the person mentioned in the statement that XXXX XXXX XXXX gave to XXXX. and that my wife DEFINITELY did not purchase the UNKNOWN item from XXXX XXXX and sent to XXXX XXXX, VA. 
The investigator even told me that the charge was made online, with the correct credit card number and even the ( supposedly ) correct security code. The last case Number we have from Barclaycard is : DBO XXXX. Previous case numbers are : XXXX, XXXX. I will be writing to Barclaycard again about this, but I doubt that anything will come out of it but having to pay for an item we didNOT purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Checking or savings account

Truist had offered a {$400.00} banking bonus. I had created an account but was not allowed to login in, make a deposit or anything as truist had never sent account information or a account creation link. I had waited to receive my debit card to create the account, as truist asks for this information. I never received it. The account was almost like it was never created. I had created another account, was able to login and deposit money. I had spoken with customer service on multiple occasions, asking if XXXX account had the bonus applied, they all assured me it was. 

I meet the criteria, and truist now says because I had created a first account, they had refused me access to it, that they can not pay out the bonus. 

This is false advertising and seems deliberate on truists part. Lure customers in with a bonus, refuse access to the account, then deny the bonus.
Product: Money transfer, virtual currency, or money service

Over the summer in 2019, I had two charges come through my CashApp account fraudulently. When I noticed these charges had come through on my account, draining my CashApp account and drawing funds from my Banking Debit Card as a funding source. I contacted CashApp support and told them about the fraud transactions.

They replied and told me that there was nothing they could do to recover the funds or fix the situation because the " recipient had already claimed the funds and loaded them into their personal account. '' I was then instructed to contact my banking financial institution if I wanted to pursue the recovery of these funds.

I confirmed with them that the charges WERE FRAUD, and CashApp said they were going to note it into my account. 

On XX/XX/XXXX, I recovered the funds back to my banking account and everything was fine, However, on XX/XX/XXXX, I noticed my CashApp account had been banned and closed. I have yet to received ANY notice about this from CashApp as to WHY my account has been closed. They are currently withholding funds from me in my Bitcoin account, and refused to reply to any support questions on their direct channels via Email,  XXXX, or XXXX, as they claim they do not have a phone number. 

As of XXXX on XX/XX/2019, They have disabled my ability to create a support ticket via the app, which is their only OFFICIAL way of contacting support, and they have blocked/muted me on XXXX and XXXX, refusing to speak with me about this issue or provide additional details, even when I have the copies of the emails that was discussed prior, identifying the transactions as fraudulent. 

I have also been blocked from creating any new account as well to speak about this issue OR request a new account. They are completely barring me from communicating legitimately about their service and this case of Fraud.
Product: Credit reporting or other personal consumer reports

I did not give consent to any entity to disperse any personal or financial information to any other institutions or orginizations. These were posted to my credit report illegaly and vilolation of the law. these need to be removed. 

Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX  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 XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX account # XXXX, XXXX, XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX bank Account Number : 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
Product: Mortgage

I attempted to pay my XX/XX/XXXX mortgage payment serviced by Mr. Cooper. Mr. Cooper bought my loan from XXXX in XXXX of XXXX. When I attempted to pay it it showed an increased required payment of {$1400.00} when our fixed rate payment had been {$930.00}. Our insurance and escrow had not increased by {$6000.00} per year since last year. When I called to inquire about the steep increase they said that they had taken out lender placed insurance because we did not have insurance on the property. They did this without my knowledge or consent. Upon further investigation a Mr. Cooper representative found our current valid home owners policy in their files. The lender placed policy they took out was from XXXX of their own subsidiaries. I feel as though this was done in an effort to defraud me and my family and had I not caught the error they would have made no attempt to resolve the issue. They currently show negative escrow balance of - {$3600.00} due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

A complaint was made to Navy Federal regarding unauthorized charges applied to my Navy Federal debit card that was unauthorized by the consumer, As an investigations was requested from Navy Federal, against XXXXXXXX XXXX XXXX XXXX ( XXXX ) with verified receipt and proof of unauthorized charges, but still no resolution to date. 
Please see attached documentation, and request and investigation into ti why no resolution could be availed.
Product: Debt collection

Im getting non stop calls of hospital bills from collection agency a.r.s they call from multiple numbers. When i told them stop harrasing me they started calling more frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Absolute Resolution : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of {$2100.00}. A scammer posed as an employer XXXX XXXX XXXX XXXX XXXX XXXX on XXXX which looked completely legit using a real business. I applied for the remote/work-from-home position, the fake employer reached out days later to schedule an interview. I interviewed XXXX XXXX XXXX XXXX XXXX XXXX and accepted a job offer and even signed an employment contract with the business. The employer then advised that my work materials like a computer, monitors, docking station and printer are funded through a contract with their insurance company that provides health benefits for the company. The employer said the insurance company XXXX XXXX will send me a check for the amount of the items, and I am to deposit the check which I did for {$2100.00}. I didn't think much of it as from my understanding this was a XXXX XXXX XXXX XXXX, and I haven't applied for a job in over a decade. Once the check hit my account and cleared which it did on XX/XX/XXXX, I was then to transfer money to ( 2 ) individuals via XXXX which I did. I was provided their names and email addresses for the transfer. The two individuals were the supposed vendors that supplied the computer etc. I figured this was just part of their process since again they are a small company and I have never applied for a remote position before. I didn't know what to expect. After transferring the money as directed, come to find out that the check from XXXX XXXX that was provided to me was returned on XX/XX/XXXX, and the bank XXXX Bank of America ) took the funds out of my account to cover the returned check. I have ALL documentation, XXXX conversation, emails, etc from this scammer. I placed a claim with Bank of America on XXXX XXXX XXXX XXXX that was denied. I also reported the scammer to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was involved in a date breach with multiple credit bureau
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX