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

This corporation has invaded my privacy and violated the GLBA I demand a proper reinvestigation into this matter as damages have happened due to this un fair reporting in pursuant of 15 USC 6801 a ) Privacy obligation policy 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. I never gave this corporation permissible use to report this information. And they never clearly or conspicuously disclosed that they would disclose this account furthermore, they never gave me the opportunity to opt out of this account being reported in ( b ) opt out ( 1 ) in General a financial institute may not disclose personal information to the non-affiliate third-party, unless ( A ) such financial Institute clearly and conspicuously disclose to the consumer in writing, or other electric forms permitted by regulations prescribe under section 6804 of this title that such information may be disclosed to such third-party. I demand a deletion of this account from my consumer report as they are using many deceptive means to attempt to collect this such alleged debt if Im not taking serious, I would take this matter to a court in my area since they do business there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name, addresses, and employment should be updated. REMOVE ANY OTHER ADDRESSES. THAT IS NOT ME. THEY HAVE OTHER XXXX XXXX OUT THERE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This is the ONLY INFORMATION that should be on my credit report. Im demanding this info be UPDATED immediately. Thanks
Product: Debt collection

I found accounts on my recent credit report that I believe were added without my consent and are incorrect. I am requesting that they be blocked and removed at once.
Product: Payday loan

I took out a XXXX loan in XXXX 2015, they were not clear in the terms, though I questioned them, and was provided false answers since then they have been garnishing my account every two weeks for at least XXXX some weeks XXXX, I have called multiple times, and tried to pay them in full, but have been unable to, I 'm being told that 's not how it works, I have paid over XXXX for this loan so far, I just want to be able to pay it off and be done. Please help.
Product: Debt collection

This is not my account. Please delete this negative account off my credit report asap. I've never got anything in the mail or anything verifying this is XXXX percent my debt. according to the FCRA you must delete this debt asap.
Product: Checking or savings account

CIT bank closed my account without any notice and froze me out of my funds. I have spent hours on the phone with them and they refuse to provide the reason for closing the account and will not tell me when I will receive my money back. I have been told I will receive a letter, but can not get a definitive date I will receive said letter. They then went back a week before the account was closed and cancelled all bill payments even the ones that had already posted. I have my checking and life savings account with this bank, so they have tied up all my money and I have been scrambling to try to go back and re-pay bills that were already paid without access to any money. I am now facing late fees for bills that were already paid because the payment was returned. This is abuse in my opinion and there is no reason for the bank to behave this way. I need to know when they will release my funds and exactly when it will be mailed out with tracking.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax via the dispute portal to file a complaint on information provided on a car loan account on 2019. The load was provided by XXXX XXXX XXXX on XX/XX/2019. 

I provided Equifax copies of the loan agreement, included in this complaint, as well as copies of payments confirmation, also included in this complaint, that proof their information is not accurate. However, they continue to report the wrong information. This has hurt my credit profile by lowering my credit score which, in turn, cause me to get higher interest rates on my loan.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2021 I attempted to transfer payment to a vendor that required payments via either XXXX, XXXX, or XXXX. Since my bank, Wells Fargo, has the XXXX XXXX on their online banking app, I utilized it to complete the transfer of {$290.00} as payment to the vendor. The vendor supplied me with the address and name required for the transfer and I was notified of a successful transaction. However, the vendor notified me that the funds were never deposited in his account. I immediately filed a claim to re-claim my {$290.00} using the phone number provided on the XXXX page of my online banking app. It is now XXXX XXXX, 2021 and after spending hours and days in non-productive phone conversations with both XXXX and Wells Fargo, I am no closer to re-claiming my money because neither of them are willing to accept any responsibility for the missing money. They have both informed me that they have closed the claim. The Bank says they did nothing wrong so it isn't their problem, and XXXX says since I used my online banking app it is the bank that is liable. However, recently, a notice appeared on my XXXX activity page that the name provided by the vendor is " not registered. '' This notification was not forthcoming until close to mid-XXXX. The vendor has re-verified that he never received the funds, and I, the customer, am now locked in a seemingly unsolvable Catch 22, apparently expected to just write off my {$290.00} with no recourse for recovery of it.
Product: Debt collection

Wells Fargo bank date opened XXXX XXXX amount {$210.00} this account is not mine I am not responsible for this debt. I have called emailed and faxed my driving license social security card to credit bureaus and Wells Fargo they said they will delete it and it still has not been deleted
Product: Credit card or prepaid card

On  XXXX / XXXX / XXXX  I called the company that has this charge in my credit report. Comenity bank/  XXXX   XXXX   XXXX   I spoke to  3 people there. Non s eemed to know why this acct that opened on  XXXX  and CLOSED in  XXXX   XXXX  is in my credit report. They told me they do n't have any records, They could not give me any information, not even verify it was mine. They said they would have to research that far back.   I never to my knowledge had a credit card in  XXXX .   Please help me with this. I am sure this was not mine and it was closed per this company 23 years ago.   The whole report on this is not correct. It says recent payment {$25.00}. incorrect.
Product: Credit reporting or other personal consumer reports

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Debt collection

This company continues to report this negative account information on my credit report, without explanation. The company has failed to issue a notice of debt, nor debt validation information.This item should be removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Despite having a mortgage with Ditech Financial for less than 20 % of my home 's value, they took it upon themselves, with no approval from me, to open up an escrow account for my property & school taxes. I have always paid these taxes though sometimes I pay them late and I was late at the moment Ditech decided to establish this unauthorized account on my behalf. I reject that Ditech has the right to open up a XXXX account without my approval. This seems very similar to the highly publicized XXXX incidents.
Product: Checking or savings account

Regions Bank is charging on my personal and business accounts multiple times fees, the first is fees for overdraft payment and then a couple of days to a week later will return these payments they authorized and charged these fees to, not returning the fee also, but when they return the payment they charge a return payment fee, This is wrong as for each transaction they are making {$72.00} in full and should only be making {$36.00}. They also ignored a letter from my law firm on this. Also, on my business accounts, they promised if I went through their merchant processor they would not charge me a monthly fee for my XXXX Account. I agreed and signed up with their merchant XXXX XXXX, who had all the information, on the application, but canceled after running my credit and approving me for multiple accounts and making compliance a mess, and trying to force me to pay fees for a service they are supposed to provide by law and have charged me big fees, on one of my accounts, up till cancelation, but also Regions never waved their fees as promised. XXXX shortly after issuing the accounts ended up closing all the accounts because on one of my companies sites and only one that site I offer credit repair and they say they can not process for any company that offers this even if the credit repair service would never be charged through the merchant account, and XXXX did not just close the accounts per that one company but all accounts for all companies. This also would constitute Identity fraud as this was known before the credit reports were run, and from the start. Also, regions have looked at my credit several times when trying to get a line of credit for my XXXX and always denys because my student loan balance is what it is and I am not having to make payments because of still being a student for 2 to 3 more years.
Product: Debt collection

Collection Service Center , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This collection is agency charging me for a medical debt bought from XXXX XXXX XXXX. They are not a XXXX  accredited company and has many open complaints and cases against them for violating the Fair Debt Collection Practices Act.

This section of the FEDERAL REGISTER contains regulatory documents having general applicability and legal effect, most of which are keyed to and codified in the Code of Federal Regulations, which is published under 50 titles pursuant to 44 U.S.C. 1510.

BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Parts 1006 and 1022 Bulletin 202201 : Medical Debt Collection and Consumer Reporting Requirements in Connection With the No Surprises Ac
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Received an email from a debt collector on XXXX despite my letter listing the due date as XXXX and payments have been paid to Account, hospital billed payments to two seperate providers as if I had two different XXXX XXXX XXXX XXXX XXXX XXXX on the same day, XXXX. 
Turned it over to collections after I questioned the possible fradualent charges in XXXX of XXXX. Now I am completely locked out of my billing on my chart.
Product: Mortgage

This is my third email correspondence and formal complaint filed against XXXX bank regarding my XXXX XXXX  Application since this process began XXXX years ago. 
I am contacting the Consumer Financial Protection Bureau to make them aware of this urgent concern. 
My application is complete on the Portal and as well as via a certified paper application with proof of delivery and receipt by the XXXX XXXX Department. The final requested XXXX bank statements were submitted on XX/XX/XXXX and XX/XX/XXXX but closed on XX/XX/XXXX. The documents were uploaded but not received but still labeled as incomplete. The packet is complete but the documents were not pulled by XXXX XXXX staff which is not fair that the documents requested have been submitted in a timely fashion but have inconsistently not been acknowledged or reviewed. We have requested this issue be escalated via phone call and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have received inconsistencies by the representatives as the status of the review. Please review these resubmitted documents that were entered not only on the portal but also by the completed paper application which was sent via XXXX with proof of signature delivery. The original completed packet has been mailed. The proof of the mailed completed packet is listed below along with the proof of signature and XXXX tracking number. Thank you in advance for your attention to this urgent matter. I have made all full mortgage payments since this process began in XXXX. 
Signed for by : XXXX XXXX, Obtain proof of delivery DELIVERY STATUS Delivered TRACKING ID XXXX. 

Sincerely, XXXX XXXX, XXXX XXXX.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.
Product: Debt collection

Several months ago, I began receiving voice mail by AFNI stating that I was guilty of nonpayment of bills. I was told to call a number ASAP. I have ignored this request : I owe no bills and I assumed it was a scam. For months now, I receive 5-6 calls/day. 
I would like this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX h

as 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, credit repair services, or other personal consumer reports

On XX/XX/2020 I the Consumer entered a false and deceptive form pursuant to 15 USC 1692 ( j ) with Capital One Auto Finance. I was violated on my rights as a Consumer. Capital One Auto Finance has communicated with me on several unreasonable times alleging I the Consumer owe a debt. In the false and deceptive form that I was aggrieved in I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ) .The total amount of the finance charge on the false and deceptive form was XXXX . I am disputing any debts alleged owed by me the Consumer and I am requesting all past payments be directed back to me including down payment cost in sum total of XXXX pursuant to 15 USC 1692h.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 8th 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 an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Full disclosure not given 2 Zelle transactions XX/XX/XXXX ZELLE TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX ZELLE TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$1000.00} I contacted the bank After I explained to them that I was sold a Lemon vehicle I was told they could not do anything about it
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately!