23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Compass Bank Viloated my rights by sharing information with out my consent And Per FCRA and GRamma Leach Bliley act The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

on XX/XX/2018 i called carrington mortgage to check on the status of the account, the rep stated i have to ask some verifying questions one of the first questions was along the lines was are you currently with your spouse? how the XXXX is this a verifying question? i resent this/outside of account number phone number, name address socoial security number or passcode.this line of questioning is out of line and to me a violation of 93 a.if they have a right to askthem fine, but the represenatives at carrington have no right to preface these are verifying questions, carrington does not want to help they just want to FORECLOSE, they cherry pick on what they wish to reply to in complaints and carefully lie with others.also they state that they were given a change of address just in XX/XX/2018 .This is a lie .Borrower has proof Carrington received in XX/XX/2018 but repeatedly ignored requests afterwards to change even though they were repeatedly told..also they had and agent tresspass on my property ( clearly marked ) to hand deliver and open notice stating confidential yet it was not put in and envelope and the other copy was strewn near the road for all to see.i want carrington to respond specifically to these 3 concerns above to do with questionining anout am i still with borrower, why are they handelivering open correspondence with all borrower sensitive persoanl information carelessly placed on my property stating they cant reach us when we have been calling in for ove r2 months now and why carrington states it was just XXXX when they received a change of a address just for there mailings and borrower provided proof through you via email it was last XXXX!!! also carrington tried to lie with there rep XXXX a so called specialist that the 150 day right to cure need not be sent out when it in fact by law had to be redone.CARRINGTON SAY THEY WANT COMMUNICATION YET THAEY MAKE IT DIFFICULT TO OBTAIN ACCESS TO ACCOUNT INFORMATION OR STATUS WITH RIDICULOUS ILLEGAL LINE OF QUESTIONS LIKE THEY DID BEFORE.ALSO BORROWER WANT ADDRESSED IS WHY BORROWERS CAN NOT DISCUSS THESE MATTERS ON A NON RECORFED LINE, ARE REQUEST OF A NON RECORDED LINE SHOULD NOT PRECLUDEBORROWER FROM ANY ASSISTANCE
Product: Money transfer, virtual currency, or money service

I bought XXXX on my Gemini app through my bank and I am unable to withdraw the bitcoin I contact Gemini support and did every verification they ask me to do so I could withdraw my funds back, but I was still unable to withdraw back my funds, This is the second time I am lodging this complain with CFPB The first time I told CFPB to help contact Gemini to allow me update my banking information because the bank linked to my Gemini has been closed and I need to change the banking information before I withdraw my funds, I got a response from Gemini that I can update my bank info and withdraw my funds on the XXXX of XXXX but I still couldnt update my bank information when I logged in the app. Anytime I logged in and linked my new account it says successful on plaid then when I return to the app to withdraw my funds I wont see the new linked account but the old one on it. This issue has been really disturbing as it have been resolved a long time ago. This is my first complaint ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters showing that my social security number is being used by a specific company to Equifax Credit bureau. I included my FTC report with details. Two accounts that were taken off my Equifax credit report were later added back onto my credit Equifax credit report because Equifax credit bureau claim the reporting agencies submitted a certification that the accounts belonged to me and were accurate. I have not seen anything from Equifax that proves this is my debt only a statement with no proof which I asked for proof, and have yet to get proof. 

Accounts XXXX/XXXX XXXX/XXXX
Product: Payday loan, title loan, or personal loan

The loans provided by this provider are predatory in nature and take advantage of low income households. Their loans are outrageously expensive. A {$700.00} installment loan paid back on time over the course of 6 months will cost {$2800.00}. How is an APR this high allowed by law. Or is it even allowed? It is not clearly stated in their advertisement for loan services. Make of it what you will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this issue corrected for 3 years now. XXXX Experian and XXXX has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all 3 bureaus don't match either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Inquiry date ; XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL C XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.
Product: Debt collection

I am writing to formally notify you that Portfolio recovery attempts to collect on the alleged debt referenced attached to this complaint are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If Portfolio Recovery is not aware the entire claim is regulated by an arbitration agreement with the original Creditor. Which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings as the account attached to this complaint does not belong to me. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that Portfolio Recovery has no right to collect on this alleged debt that does not belong to me. I am asking for help to fix this issue immediately as Portfolio recovery has been completely Negligent in responding to my initial dispute attached from over XXXX  days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control Corporation is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( Credit Control Corporation ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),
Product: Checking or savings account

I am being told that I owe TD bank some money and I have never had an account with them. 
When attempting to open an account via a Credit Union I was denied because of a XXXX report from TD Bank in the amount of {$240.00}. I have never had a TD bank account. I contacted the number on their website to report suspected fraud and the call center team kept me on hold for over an hour and then some manager in New Jersey named XXXX was not any assistance. She told me I need to go into the bank. I do not want to be inconvenienced over this mess. 
TD Bank clearly has allowed an account to be opened using my Social Security number and it needs to be rectified immediately. 
XXXX reported this XX/XX/2016 for a XXXX XXXX with my Social Security number.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated 4 transfers of {$500.00} each to someone ( {$2000.00} total ). On my capital one mobile banking app, it shows the transfer is scheduled for the XXXX, and there's an option to cancel transfer ( as shown in screenshot2 ). Since the transfer were for some emergency, I cancelled all 4 transfers and paid the other party by another way. The charges then disappeared from my bank statement and money was returned to my account immediately ( as shown in screenshot 1 ). After nearly a month, on XX/XX/XXXX, 4 charges of " XXXX XXXX transfer '' of {$500.00} each suddenly popped up on my bank statement ( as shown in screenshot3 ). After calling capital one, they told me those transfers were still sent out on XX/XX/XXXX, but was not debited to my account. I told them I did cancel the transfers on the XXXX, and when I cancelled the transfers I never received a single notification notifying me that the transfer would still go out. The app clearly showed the cancellations were successful when I cancelled them. Had I had any warning cancellations are not guaranteed I would not have paid the other party again. After calling capital one multiple times, they admit this might be a technical issue with their mobile banking app but refuse to take responsibility for it.
Product: Credit reporting or other personal consumer reports

I keep getting emails claiming to be XXXX  but its not. Comes from email : XXXX And XXXX XXXX getting them daily saying my card was declined. Log in to see why. My card has never been declined. Nor do I even have a card ending in these numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  THE FOLLOWING ACCOUNTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX 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 XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as approp riate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccura
te.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts appears as potentially negative with a open date of 2006.
Product: Debt collection

I checked my XXXX XXXX account and saw a collection from Aargon Agency Inc for {$1600.00}. I have no idea what this is for and they have not sent me anything stating what the debt is. I need this collections to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts reporting on my TransUnion XXXX XXXX XXXX credit reports. 

TransUnion XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$46000.00} XXXX XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXXXX/XX/XXXX {$5100.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1600.00} XXXX  XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX  XXXX  XX/XX/XXXX {$9700.00} XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX Bank # XXXX XX/XX/XXXX. {$5100.00} XXXX Bank # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX  # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix an error on my credit report, and Transunion has done nothing but make it worse. Upon their " investigation '' they not only claim everything is " right '' while at the same time adding new incorrect addresses to my Credit profile. They're addressing the wrong name and now I'm concerned they are going to start mailing non-public information to some of these new addresses. After 5 phone calls, faxing information, and mailing information, they still are not grasping their error. The error is completely on the Transunion side as no other credit furnishers are reporting this information. They have combined my social with someone else 's name and credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Information First name : XXXX name : XXXX XXXX : XXXX XXXX : USAPrimary phone XXXX phone number : Email address : XXXX of XXXX Street address : XXXX XXXX XXXX XXXX XXXX XXXX Number / po box XXXX City : XXXX XXXX : XXXX XXXX have lived at this address XXXX / 2019 Update Details about the identity theft Theft Incident : Other Identity Theft With what company or organization did the identity thief pretend to be you? Name of an organization representative that you spoke to : Organization 's phone number : Organization 's email address : When did you first notice the problem? If you know, estimate any fraudulent XXXX number : Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) XXXX Street address ( including apartment info ) : Country : UNITED STATESCity : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have you contacted your local police department? 
NoPolice department : State : Have you requested a fraud alert from one of the three national bureaus ( Equifax, XXXX, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours? 
No Were there any fraudulent accounts included in your credit report? 
Yes Update Comments about your situation Personal Statement : 700 creditcontra cost. XXXX cards XXXX. XXXX  XXXX XXXX. XXXX. XXXX  XXXX. XXXX XXXXXXXX bank XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Update
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove wrong personal information on my credit file with Experian and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf
Product: Debt collection

Collection agency is reporting false information to the credit reporting agencies. Collection agency says I owe them for a debt. I asked the debt to be verified and proven that I owe this debt to collection agency. Collection agency failed to prove that I owed the debt. Collection agency is violating my rights by reporting false and inaccurate information.
Product: Credit reporting or other personal consumer reports

My account with those acounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports