23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX. 
XX/XX/year>. 

Innovis XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

PRIVATE AND CONFIDENTIAL Subject : Second Request for Immediate Removal of Incorrect Delinquent Child Support from Credit Report. 

Dear Sir/Madam, I am writing to follow up on my previous request dated XX/XX/XXXX, XXXX, regarding the removal of the delinquent child support account ( OFFICE OF THE ATTY XXXX XXXX # XXXX ) from my credit report. I am pleased to inform you that both XXXX and XXXX have already complied and removed this account from their records. However, I have not yet received confirmation of the same action from your agency. 
As stated in my prior communications, recent federal court rulings have confirmed that delinquent child support obligations do not qualify as a " credit transaction '' under the Fair Credit Reporting Act ( FCRA ) amendments ( FACT Act ). Therefore, the reporting of this account violates the permissible purpose standards under the FCRA. 
Moreover, this is not a credit account, and the XXXX of the Attorney General is not mandated to report or update this account with credit bureaus monthly, as is required for traditional credit accounts. This further underscores why this account should not be included in my credit report. 
In addition to these points, the information being reported is completely inaccurate. This account has never had a late payment, and I have attached my payment record as evidence. The delinquency being reported is false, and this violation of the FCRA must be corrected immediately. 
Given that both XXXX and XXXX have already removed this account, I insist that you take similar action and promptly remove OFFICE OF THE ATTY XXXX XXXX # XXXX from my credit file. Please provide written confirmation of the removal. 
Should this matter not be resolved in a timely manner, I will be forced to consider legal or regulatory action. I trust you will handle this issue with the urgency and attention it deserves to ensure compliance with federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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 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 with antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX new york XXXX is committing illegal fraudulent activity against a XXXX person and veteran and I demand immediate action by the cfpb and new York and florida attorney generals offices. 
sunrise credit services in cooperation with XXXX XXXX OF XXXX illegally and unethically placed a false fraudulent item on my credit report for money i DO NOT owe and have never owed. they did this illegally and unethical I AM A XXXX VETERAN AND DO NOT OWE XXXX OR THIS DIRTY EVIL SATANIC XXXX XXXX ANY MONEY! REMOVE THIS FROM MY CREDIT REPORT IMMEDIATELY!! I HAVE REPORTED XXXX AND ALL THREE OF THE CREDIT BUREAUS TO THE XXXX XXXX XXXX  THE FLORIDA AND NY ATTORNEY XXXX OFFICES AND THE XXXX FOR FRAUD AND ILLEGAL ACTIVITY!! REMOVE THIS DAMNED COLLECTION ACCOUNT IMMEDIATELY OFF ALL THREE CREDIT BUREAUS OR I WILL SUE XXXX AND XXXX FOR CAUSING ME PAIN SUFFERING AND EMOTIONAL DISTRESS AND RUINING MY CREDIT!! I HAVE FIELD COMPLAINTS WITH LAW ENFORCEMENT AGAINST XXXX XXXX XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

Experian for ill gain reports wrong information and refuses to delete old information way past seven years. 

I disputed information, and shortly there after the disputed information was found on the dark web according alerts received, leaving to suspect that Experian shares information on the dark web. 

I have ask Experian to cease all comunication including alerts, but they send over over, their email have no way to unsubscribe, I have called them several times and after lenghty holds they promised the will remove but the dont, they need to establish a way to remove these alerts online. 

Membership ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX  : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  XXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : Inquiry : Fraud XXXX XXXX  XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  : XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud
Product: Debt collection

Performant Recovery communicated to XXXX  XXXX XXXX   that an audit of medical records was requested XXXX, XXXX and results of audit reported XXXX, XXXX to XXXX. No audit was requested, or performed by Performant Recovery of office medical records. XXXX began recouping patient payment monies based on this false information from Performant. This was first noted XX/XX/XXXX, with XXXX recouping XXXX in eft patient payments. Since XX/XX/XXXX, we contacted XXXX XXXX constantly, sent all medical records to XXXX in XX/XX/XXXX, in triplicate. XXXX XXXX provider relations will not address these issues and continues to obfuscate. Performant sent false statements to XXXX XXXX  XXXX. XXXX XXXX of Performant responded to my XXXX XXXX complaint XXXX about the falsified recoupment and gave the dates of audit request and review above, as we never corresponded with the company in XXXX. We received one letter in triplicate dated XX/XX/XXXX from Performant, stating no appeal could be made about this matter. No audit was performed! Performant in conjunction with XXXX XXXX stole XXXX from Patient payments to reimburse XXXX for custom fabricated medical equipment, dispensed to 3 patients in XX/XX/XXXX-XX/XX/XXXX,  and for which XXXX was reimbursed. XXXX legal team was sent all information certified mail XXXX and Has not yet responded. Performant sent me a nonsense fax on XXXX when asked for proof of this medical records review or audit having occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an extension for my XXXX XXXX XXXX after catching XXXX and had to stop working for some time. My request was granted and my account was supposed to be deferred. However, I received notification that my account was 30 days late. I contacted XXXX XXXX the following day and the representative informed me that after I make a payment and after the payment clears, the information being reported will be deleted and my account will be current. The payment was already made and was pending. After a week went by, the 30 day late payment that was being reported was deleted and my account was back to current. However, an additional two weeks went by and now the information that was once deleted is being reported again and showing on my Transunion account. Ive reached out to XXXX XXXX and they informed me that it was corrected on their end and that I should contact Transunion. Transunion did a dispute for me and asked me to contact XXXX XXXX which I did and they also filed a dispute.. However, the information being reported has not been deleted. The creditor agreed to delete the information being reported as long as I made the payment and the payment cleared. I had already made the payment before calling XXXX XXXX and the payment was pending which is why the representative asked me to wait until it clears then the information being reported will be deleted. The information was deleted but it has came back on my account and I am not sure why after the creditor agreed to delete it. This is the reason for my dispute.
Product: Debt collection

I am currently in negotiations with XXXX XXXX who owns the loan that AES is servicing. I have also told the company ( AES ) numerous times to send all communications through my attorney in writing along with his contact information. They continue to email me with attempts to collect the debt and report negative information on my credit report. They are jeopardizing these negotiations between the owner of the debt, myself, and my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs : I opened a loan with Mariner Finance in or around XX/XX/XXXX. I made my payments on time until XX/XX/XXXX when i experienced some financial difficulty. I made up all payments for two months missed in XX/XX/XXXX, and I have not missed a payment since then. I have contacted my local Mariner Finance in  XXXX, VA due to the credit reporting error and they agree with me that it is incorrectly reporting to the credit bureaus or the credit bureaus are incorrectly reporting it. The local branch sent me the account ledger showing my payments have been posting correctly. I believe this is a violation of the FDCPA. The loan is reporting in collection and charged off as of today and has been reporting since last XX/XX/XXXX to be in collections. This is incorrect per the local branch and my evidence.
Product: Checking or savings account

I tried to close my account at US Bank because I was switching to another bank. They said I could not close my account because of a overdraft protection fee. That was a fee that had over a XXXX percent interest rate that I wasnt told about and didnt sign up for. In the spam of a few years, with that over XXXX percent interest rate, that overdraft fee ballooned to over XXXX XXXX dollars and I didnt know about it. I am upset at US Bank for signing me up for a predatory loan practice like that when I didnt know any better. I dont want to pay it.
Product: Checking or savings account

I have been reaching out to Bank of America for the past 8 months trying to get them to call XXXX XXXX. They told me back in XXXX I did not owe anything to them now its XXXX and I still have no been able to open and banking account nor have I been able to get restrictions lifted off of my account. I have been calling almost everyday and they have not resolved my issue or complaint.
Product: Debt collection

A lady named XXXX XXXX called and claims she works for XXXX XXXX XXXX or as she refers to it, " XXXX '' ... she's saying I owe them for a Capital One account I opened in XXXX!! XXXX! It's XXXX now! You're telling me after 12 years you're trying to collect a debt from a credit card that had a {$500.00} limit on it? I had this card when I was XXXX years old and I am now XXXX, going on XXXX. She said it didn't hit delinquency until XXXX which has to be an absolute lie. She's telling me I owe them for over {$2500.00} and that if I do not pay or settle that they will be filing paperwork at end of business today ( XX/XX/XXXX ) to get their legal attorney involved. They say their attorney 's name is XXXX XXXX and he works for XXXX as well. This seems very scammy, very off, and they had the wrong address on my paperwork they sent me via XXXX   but said my correct address to me on the phone. I chose to not give them information or money ... Seems extremely fishy. Her phone number is XXXX
Product: Mortgage

An erroneous principle payment was drafted from my checking account on XX/XX/XXXX. I called on XX/XX/XXXX to ask I am refunded that erroneous payment. Was told to provide my checking account info for the refund and to also submit on the portal my bank statement where it shows the erroneous payment was posted/cleared. I did during that call. I was then told to call the next day and speak with escalations. I called on XX/XX/XXXX & spoke to escalations. I was told I would receive my refund in XXXX business days ( Tuesday XX/XX/XXXX ). I called on XXXX, to inquire about the refund, I was told to wait until the next day. On XX/XX/XXXX, I never received a refund. I called back and spoke to escalations again. Was told the ball was dropped on Freedom Mortgages side and I needed to wait XXXX hours to receive my refund. Today, XX/XX/XXXX, I still have not received my refund. I was told the refund was just processed today & why was I calling to ask about the refund. The refund was supposed to have been processed on XX/XX/XXXX when I spoke to escalations. I called my bank, my bank told me there are no pending transactions for today, tomorrow, or any day next week. 
I need my money and they are refusing to refund it by not actually refunding my money. This is creating a financial burden. The calls are recorded and I was told the money would be in my account today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my Trans Union,  XXXX and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Product: Bank account or service

I made a purchase of a cashier 's check from my bank account on Chase by XXXX/XXXX/2015 to pay my move in fees in a new apartment located at XXXX. The amount debited from my account was US {$6400.00} and the check number was XXXX. On the other hand, last friday XXXX/XXXX/2015, I received a 30 days notice to vacate the premisses because the landlord told the check was fraudulent. I went to speak with the representant by the lease office and she told me the amount on the check was different than the amount generated. I went to Chase and the banker told me a problem happened and would take up to 10 business days to send the money back to my account. This is unreal and now not only my reputation but my integrity are burned in the building I just moved. By the lease office, the lady told me they could n't even deposit the check. I need a solution ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

On Sunday ( XXXX XXXX, 2024 ), I applied for a loan through Affirm in the amount of {$1100.00} to purchase the XXXX XXXX XXXX XXXX  from the XXXX online store. I was approved but when I attempted to pay I forgot to change the card from my personal debit card to my Affirm card so XXXX declined the transaction. I then changed the card to my Affirm card ( to use the funds from the loan ) but XXXX kept denying the transaction. Meanwhile, my Affirm account still says I have an affirm loan. 

I contacted Affirm multiple times and the first few times they said I needed to call XXXX to cancel the loan or I would still be required to pay on it ( even though I NEVER got the product ). I have called and emailed XXXX multiple times and they keep saying they can't help me.

Affirm says they are investigating but the refused to give me the name of the department investigating and still insist I owe on a loan I have not received a product for. I have asked multiple times for them to cancel the loan but they have refused. I am about to bring in a lawyer
Product: Vehicle loan or lease

My name is XXXX XXXX, # XXXX During Covid-19 Pandemic Wells fargo offered, their customers a 3month Deferment option, total 60 days allowance. With that, they just putting the payments at the back. Now when i called, to first get the Defer, i asked about Refi, cause i am now on XXXX, not working, and of age, that i do not want to carry out the Loan, for 5 more years. I am born XX/XX/XXXX. The car is XXXX, XXXX XXXX. With Gap warranty, which is a scam as well. Now, i call again, in XXXX, for Refi, they are no longer offering that, nor defer. But, when i did the defer, the first time, secon time, that carried my loan, until XX/XX/XXXX. I received something in the mail, says is now stretched until XX/XX/XXXX. Cause of new defer, in which its not. I called them, yesterday. Neither manager, or rep know why its a year off. I already, wanted to end my business with them, when the CEO<president of the company made the XXXX, remarks about XXXX. That offended, me, millions of others, as the consumer. So today, i want to know why, if we want to, are not allowed to refi, get less of a burden, or bills right now. Or payment be adjusted, do to lost of income, cause i would still be working if it wasnt for the XXXX, at least until i retire. I would like, something done. To shorten, term, lower payment. 
I think right now, its bad to prey on the consumer. Elderly espescially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FLORIDA XXXX TO WHOM MAY CONCERN : I XXXX XXXX XXXX consumer, and natural person am aware of all my rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that assumed the role of assembling and reporting and equitable. XXXX, illegally obtained personal information and private information and sold it to XXXX. I did not grant XXXX written permission to sell my my information to the highest bidders. 

As consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of FCRA. 






I sent letters to XXXX, XXXX, XXXX XXXX XXXX XXXX to cease and desist giving my personal information. they are still giving my personal information even though i sent certified letters to each of them.
Product: Money transfer, virtual currency, or money service

I am writing to formally address concerns regarding Zell 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies. my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offender to exploit the system. leaving uses vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns abut consumer safety.
Product: Credit reporting

On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.
Product: Prepaid card

My deposit finally came. when I went to pharmacy to get my prescription balance said {$0.00}. After being on hold for XXXX hr XXXX mins I was told I should have my money back on card within 1-2 days. XXXX hours later my card had a {$9.00} balance on it. Im on a trip out of town still no access to my funds. Tried to call Rushcard several times only to keep getting going up on. Still no assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX, Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account XXXX XXXX account number XXXX, an auto loan account opened at XXXX XXXX XXXX account number XXXX, a collection account opened at XXXX XXXX XXXX opened XX/XX/XXXX, a cellular line opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.