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

I called Experian dispute department and was met with hostility regarding followup to a prior dispute against XXXX and XXXX credit cards who were handle by the same processor but sent to collections. I paid the balances to the collections agencies. The CSR for dispute got aggravated with me and stated that I paid the collections agency and not the credit card company which shows as closed as charge offs. I explained that my credit wasn't with the agencies but he said the credit cards will remain as derogatory and not show as paid. That is inaccurate and prevents me from qualifying for a mortgage. There are several paid items showing as derogatory that were paid and should have been removed as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ at XXXX PM. I spoke to XXXX XXXX from XXXX XXXX NMLS # XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/XXXX  I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX team. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS # XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXXevening to Tuesday XX/XX/XXXX early morning.
Product: Credit reporting or other personal consumer reports

im Writing t consumer reporting agencies ( XXXX Experian, XXXX ) of a formal complaint against XXXX XXXX XXXX  I've included the Cfpb case number XXXX and a copy of my opt out letter I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/2024, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 XXXX and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX 
Please feel free to contact me at if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Money transfer, virtual currency, or money service

Hello- On XX/XX/23 I was texted and called from a representative from Bank of America Customer Service XXXX XXXX stating that my account was comprised and someone was trying to use my account to purchase items from XXXX XXXX XXXX, and XXXX XXXX the amount of XXXX. The representative told me to enter a reference number in order to verify the amount the requested, and when I did the money was taking from my savings and checking accounts. ALL of my money was taken and the BOA rep hung up the phone and my money from both accounts where taking, It is so unfortunate that you can not believe people even when they are calling and texting from what you what you believe is your bank to help safe guard your account.
Product: Checking or savings account

On XX/XX/2022 the Wells Fargo ATM at XXXX XXXX XXXX XXXX, XXXX, XXXX kept my card. I had a new ATM card sent to me via XXXX. The issue is the card was sent signature required. I work so no one was home to sign. I asked to have a XXXX card sent to my work address - the XXXX card was not sent to my work address it was sent to my home address. Same issue as the XXXX card. So I had a XXXX card sent out via regular XXXX mail. I received the XXXX card on XX/XX/2022. In this time I had issues with several auto pay accounts and other issues. My pay check is direct deposit so all of my money was tied up in the account. I did have the XXXXXXXX XXXX  but most places do not take XXXX XXXX and most of my auto pay accounts do not take account numbers or XXXX XXXX. I was hung up on by Wells Fargo customer service agents and other issues with the customer service agents at Wells Fargo. I have sent a letter to Wells Fargo with very little response from them. I have contacted an attorney regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed my credit report with XXXX  and included santander consumer in the initial dispute. Letting them know that I am no longer liable for that account due to litigation and a judgement being entered against the company that they must remove their tradeline from my credit. XXXX  did not investigate as per fcra regulations. As the item somehow came back verified. I then again requested a reinvestigation on XX/XX/XXXX because not only was the tradeline removed from my XXXX  report but some reason it came back updated and verified with XXXX  that I made two on-time payments in XXXX and XXXX of XXXX and the account has been charged off as of XX/XX/XXXX and became defaulted in XXXX of XXXX. That investigation was closed out for XX/XX/XXXX without further reinvestigation per fcra. XXXX XXXX XXXX is in violation of court orders.
Product: Credit reporting or other personal consumer reports

this is only reporting on XXXX and not other reports. I didn't owe them any money this account was paid in full and shouldn't in collections.
Product: Credit reporting or other personal consumer reports

Capital one/walmart closed my account and they are reporting late payments for XX/XX/2024 According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.

I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One/Walmart : The financial institution and the consumer reporting agencies XXXX and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to XXXX, XXXX or Capital One/Walmart whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One/Walmart NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law.

15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time.

" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross XXXX on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Checking or savings account

I was out with my family at a food spot and my phone and my wallet and phone was gone when I left the bathroom. I was able to locate my phone using FIND MY not to far from the food spot. I assume the thief couldnt get in or something and just left it in the grass. Anyways I reach out to chime they deny my dispute and offer to send documentation but Im XXXX and some change short XXXX is around the corner and I really need my money back
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1800.00}
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I received 3 phone calls from them between XXXX XXXX  and XXXX XXXX  from a restricted number when i advised them they cant do that it is harrassment i was told it doesnt matter we can call you 9 times a day regardless of how far apart the calls are. Also they are not calling from a number i can call back to, they dont say the calls are recorded for quality insurance, that the calls are intended to collect a debt or any of that in their calls. This is unacceptable. Ive missed 1 payment due to being out of work due to emergency XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my self-lender account, the XXXX payment was received late due to a glitch in their system. Dealing with covid-19 most credit card companies are helping people with credit reporting. I have only been late with Self-Lender one time for the month of XX/XX/2021. I always make my payments on time but the month of XXXX my family and I were dealing with a COVID-19 scare. Also, I attempted to make a payment on their site but for some reason, it seems to be a glitch, which is when I made the XXXX payment with the XX/XX/2021 payment. I sent in a goodwill letter to self-lender customer service and they didn't do anything to help me as a consumer that has never missed a payment. I am attempted to resolve this issue with self-lender but they are unwilling to help me resolve this issue as it is negatively affecting my credit report. I need help as Self-Lender doesn't care about their customers or what they're going through in a difficult time. I have always made my payments on-time with Self-Lender and I use this company to help me work on my credit and being more responsible with my credit profile. This one late fee has dropped my credit score almost 50 points and this is affecting the purchase of my new home. My family was dealing with a covid-19 with my XXXX XXXX XXXX son which is more important than anything. The payment I attempted to make in XXXX on their app didn't go through due to an issue with their app, but when I realized the issue I made the payment right away. It seems Self-Lender doesn't have compassion for their customers that has a perfect history with them.
Product: Debt collection

AR Resources Inc. is reporting a collection that was ALREADY PAID! I paid this medical debt through XXXX XXXX XXXX and it has fallen off of my credit report! AR Resources Inc. should not be reporting anything to my credit files ( XXXX, XXXX or XXXX ). They are trying to report this item twice and I NEVER dealt with AR Resources Inc. at all! They just popped on my report out of the blue for a collection that has been PAID! I want it removed!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally notify you of my intent to litigate against Experian. You have claimed to verify my account with XXXX XXXX, as they have certified that the information on my credit report is correct. However, XXXX XXXX is in violation of several federal laws, and their reporting is inaccurate. 

Regardless of what XXXX XXXX tells you, as the furnisher of this information, you have grave responsibilities under XXXX vs. XXXX to ensure that my credit report is fair and accurate. It is clear that you have taken the word of the creditor instead of looking at the facts. According to 15 U.S. Code Section 1681, it is your duty to ensure the accuracy of the information you report. 

It is not fair or lawful for an account with a four-year delinquency to be open and reporting. This constitutes a violation of the law. Therefore, I am formally notifying you of my intent to pursue litigation. I will be seeking damages for every instance you allowed this account to report over the past four years. This will be a substantial lawsuit if you do not correct this account by removing it immediately. 

As the company providing the report and the score, you are accountable for the information you allow to be presented. Your reporting has significantly altered my life, causing pain and suffering for which I hold you responsible. 

Please take this letter as a final opportunity to correct this matter before I proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan and was not approved. The lender lady went over my credit with me and there are items on my credit that is still not mine. Im trying to get a house for my family and this is really holding me up. Please take XXXX/XXXX  XXXX Acct # XXXX and XXXX/XXXX. I have contacted the FTC and local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This XXXX must be reported in error. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Additionally, there is no name associated withthis file & needs to be deleted due to inaccurate information. PLEASE DELETE. 

Original creditor : XXXX
Product: Credit card or prepaid card

This is regarding my Comenity Bank Visa card. The card is now being declined and The website can not be logged into. I cant make a payment for this reason as well. Their phone center is turned off. There is no way to contact them at all, and now there is a fear of being hacked,
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge-off account that is continuously being reported on my credit report. I believe this information is inaccurate and requires your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo submitted to XXXX  on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified Wells Fargo of this but they have still not corrected my information with XXXX. So my credit score went from XXXX with XXXX  to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. Wells Fargo is ruining my life and even though my identity and proof of life was made clear to Wells Fargo by me and by Social Security Administration. Wells Fargo is not moving to fix this with XXXX. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. Thank you
Product: Checking or savings account

I opened a checking account with Citizens Bank using a promotional offer code XXXX. 
Under this offer, Citizens Bank is offering a bonus of up to {$400.00} when you open a new checking account. 
To earn a {$300.00} bonus, open your first new personal checking account and have at least XXXX single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 
To earn up to {$100.00} : Get paid {$2.00} per qualified debit transaction ( up to {$100.00} ) that post and clear your new checking account within 60 days of account opening. 
As per the terms, the bonus will be paid by XX/XX/XXXX. 
I have met all offer requirements ( please see description below ), but I did not receive my {$400.00} bonus. 
XXXX. I opened my account on XX/XX/XXXX. 
XXXX. I received a direct deposit on XX/XX/XXXX ( I received a direct deposit confirmation ). 
XXXX. I have made XXXX debit transactions that were posted and cleared in my new checking account within 60 days of account opening. 

Although I met all the requirements, I did not receive the {$400.00} Bonus. Based on the terms and conditions the Bank is legally required to pay me the {$400.00} bonus.