23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 card or prepaid card

XXXX XXXX XXXX XXXX XXXX does not answer the phone at all. I am on hold for so long that I finally give up. This morning, XX/XX/2018, they sent me an email statement after I told them I do not want any information about my account online. No one answers at customer service to get this resolved. 
I do not want to have anything about my account done online. I consider it a breach of my personal information for them to send me email statements. If customer service refuses to answer, how am i supposed to resolve this? 
They also keep saving my bank account information even after I ask them to delete it. I never gave them permission to save my banking information at all. 
thank you for any help on this matter.
Product: Credit card

My credit card was charged fraudulently 4 times in the span of 3 days in XXXX. I contacted Citibank as soon as I realized the charges weren't mine. They looked into it and then decided that they weren't fraudulent because I didn't lose my card and they said I had visited those places. I had never visited at least two of those places and they didn't provide me with evidence that I had. I told them that there had been a rash of credit card skimmers in the area and then they said they would take that into consideration and respond in 90 days. They never got back to me and the charges are listed as " dispute is resolved and no credit is issued ''. 

Here are the charges 1. XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX, MA 2. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA 3. XXXX on XX/XX/2023. XXXX XXXX XXXX MA 4. XXXX on XX/XX/2023. XXXX # XXXX XXXX MA
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX someone took out personal expense loans. One for {$9900.00} and one for {$32000.00}. I was unaware of the loans when Navy Federal Credit Union sent me bills for each account. My accounts were hacked into around the same time as the loans. I have resolved getting most of the money back but Navy Federal Credit Union said that I am responsible for the two loans. I never applied for, signed any documents or qualified for the loans. Two people involved in the hacking were actually NFCU accounts holders that did a Member to Member transfers from my accounts into theirs. I did file fraud paperwork on XX/XX/XXXX with the Fraud Unit and filled out paperwork and sent it to XXXX unit. My biggest complaint is why am I having to pay back loans that I didnt apply for. The loan payment on each loan far exceeds my monthly income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct/fix for erroneous reporting in my file and are listed on my credit report : US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5500.00} US DEPT ED XXXX Balance Owed : {$7500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

Convergent outsourcing reporting on my credit report that i owe them. First of all, i never had any contract with them i never signed anything sgreeing to pay them i never received any communication from them at all. You cant drop a name in the hat and just assume especially with a common name like mines. The debt is.not mines and they need to remove it immediately. I have no written signed contract with this collection agency.
Product: Money transfer, virtual currency, or money service

I had to open account through " Revolut '' for the fact that the opposed " XXXXXXXX XXXX XXXX XXXX' website I was sent through, wouldn't take my XXXX XXXX card as it wasn't a bank they go through, so I had to use XXXX that they solely went through. so i opened an account and put in info so it would go through. 
Then I had to put in {$500.00} to prove Legitimacy because there's acts of fraud and this helps prove that it isn't fraudulent. ( from at least the steps I was told and designated ) So I put in the money safely because It is a credited bank with high ratings so I felt safe with it. 
Then I end up getting a random notification that {$500.00} is sapped from the account and that I " allowed this to happen ''. 
The sales specialist reassures me and tells me to wait a moment this is in procedure of verifying me, and them they tell me on the lines of, " I am suspected of fraudulent activity, and i need to put another {$500.00} so they can unfreeze the transaction and deposit the money back to me. 
I immediately know its now a scam and request money back, yet they tell me I just need to follow instructions. 
So i immediately go to request to put in a dispute against the transaction because its still pending. But the company XXXX minutes later deny my dispute and say, since I allowed the transaction they cant do anything about it and that it's not fraudulent. 
I then talk to a live agent and we go back and forth talking, but for XXXX hours he told me no over and over again that they cant do anything and once they submit their decision the dispute can never be looked at again. 
I didn't get to pitch my case, they didn't reach out for any information, and didn't request any evidence. The Live agent even said that they go through disputes " Minutely '', so under assumption they looked at my dispute for XXXX seconds and just denied it because I " accepted the transaction '' when I would never just willingly let {$500.00} go from my account to " verify my integrity ''. 

This was a huge case of fraudulent activity, and they didn't bad an eye or seem to try and help me, and help others from this happening to them. In terms they let it happen and sought no means to take Fraud seriously and let my money go for free, even when the transaction was still pending, and the me the sole proprietary owner of the account and {$500.00} said that I did not willingly authorize the transaction.
Product: Vehicle loan or lease

I am trying set billing up on government/military allotment and the rep told me he didnt know what I was talking about. I ask him to do his job and research because I saw information online. I needed to verify that the information was correct.
Product: Debt collection

I had a old XXXX  account around 7 years ago. XXXX  been closed for around 5 years. This debt company trying collect false money and hurting my credit report for money i dont owe
Product: Debt collection

Professional credit has reported and alleged debt on my credit report and continues to contact me by phone. I believe they gave violated the FDCPA, FCRA, and defamation of character by reporting derogatory and or delinquent allegations upon my credit. I have sent a ceased and desist to this company as well Im regards to this alleged debt. I have not authorized anything within this company of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert from XXXX credit that said my email and social had been detected on the dark web. Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. One was for XXXX with an approval for XXXX  credit card. I emailed the company that night and said I did not authorize nor apply for credit or a loan. A month later I got a reply to call however I was at work. When I did follow up it took XXXX XXXX to tell me the card was active and being used online with purchases in multiple states. The follow week I got a bill in the mail for over $ XXXX.
Product: Consumer Loan

I had a state tax lien that was attached to my vehicle title in XXXX. This vehicle was being financed so the lien was a second lien. On XXXX/XXXX/XXXX the government lien was lifted from the vehicle. Ally has yet to send the title to the Indiana Bureau of Motor Vehicles to have the second lien removed. 
I contacted Ally by phone within 60 days of receiving the notice of the second lien being lifted yet not action was taken. On XXXX/XXXX/XXXX I used Ally 's online account messaging system to once again try to rectify this situation. To date I have not received any response.
Product: Debt collection

Your agencys failure to rebut, address, answer or respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX and Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created a Summary judgment. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Summary judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created this Final judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Mortgage

Loan stacking, account re-aging, document forgery, mortgage flipping, debt cycling, fraudulent Substitution of mortgage. 

Reconveyance Deed swapped with " substitute trustee deed '' (? ) In reconveyance file. Homestead property, disregard for homestead procedure, attempts to claim " absentee owner '' on 1099 notice to bank of abandonment pr acq. 
Docs dated well past XXXX deadline to pay for unlawful foreclosure. No money actually paid by the out of business LLC listed. 

Pay-off of mortgage by settlement agreement was to take place XX/XX/year>. 
Mortgage revived and auto debit payments were re-instated, as owner was held hostage by intruders during a long term home invasion, using scopolamine, ghb and rohypnol to confuse and remove memory. 
XXXX security video images erased. Showing no human beings coming or going from the house. A three month period where not even the mailman shows delivering the mail. But mail ( most of it ) delivered. 
Evidence of tampering with mail including bank statement, thre utility bills, a fraudulent mortgage escrow statement, and an Early Warning Report, etc Not expecting me to recover or return. 
See attached. Please do not be part of the problem. Victims, especially abused elderly, need you. I wasn't old enough, they just used more 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Agencies have violated my rights. 
* 15 U.S. Code 1681 Section 602 States I have the right to privacy.

*15 U.S. Code 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. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I have been a customer with Bank of America for many years, having a credit card from there since 2011. In XXXX, I applied to change from a XXXX Rewards Card to a XXXX Rewards card. Before applying, I had spoken to a customer service representative to make sure I qualified for all of the benefits that other people who apply for the card receive, including 0 % Intro APR for 12 months. I have a transcript from the conversation. Unfortunately, I am being charged interest despite the fact I was told I would not have to. Hoping this to be a clerical error, I then spoke with XXXX people from Bank of America and all of them stated that there is nothing they can do. 

I am upset because I have specifically planned and changed the credit card to benefit from the 0 % APR for 12 months, as I had some big purchases planned. The extra interest payments are an added hardship that have forced me to change my plans and financial planning. I was specifically lied to get this card and am now told there is nothing I could do. I would close my account with them, but do n't want to hurt my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$14000.00} opened on XX/XX/XXXX. I disputed this multiple times as I do not recognize this {$14000.00}. I spoke with a representative named " XXXX '' today, XX/XX/XXXX at approximately XXXX via phone call XXXX requested {$1.00} to further look into the origin of this debt. XXXX also stated that " This sounds like fraud. '' Then I had mentioned how I had also experienced recent fraudulent activity on my personal bank account. I gave XXXX the address in which I temporarily resided at when this charge struck my credit report on XX/XX/XXXX. 

XXXX XXXX XXXX {$1500.00} Also disputed as I do not have ownership of knowledge of this Vance and Huffman LLC {$1000.00} Disputed and not owned.
Product: Checking or savings account

I went to the PNC Branch XXXX at XXXX XXXX XXXX in XXXX, AL, at XXXX on XXXX XXXX, 2017. I  intended to deposit to my account a baby shower gift in the form of a personal check for XXXX XXXX dollars, issued by the XXXX XXXX XXXX. The Branch Sales and Service Representative ( name withheld ) was unwilling or unable to provide me with any of the following information : 1. the rate of exchange, 2. the expected date of debit from the creditor 's account, 3. the expected date of credit to my account, 4. the sum total of all applicable fees, 5. an explanation of the purpose of the applicable fees. <P/>I was told nobody at the location could provide me with any of this information, nor was there an off-site representative who I could telephone to obtain this information. I was told this information could be obtained only after surrendering the check for deposit. I have a checking account in good standing with PNC. <P/>Upon returning home I attempted to obtain a valid email address for PNC customer service in order to obtain this information. I was informed by a customer service representative ( @ PNCBank_Help on XXXX at XXXX XXXX - XXXX XXXX 2017 ) that " For security, we are unable to allow emails from 3rd parties. '' After explaining that I was not a third party, but rather a PNC account holder, I still received no valid email address, and was directed to use the " message center online ''. PNC provides a limited messaging service through their online banking portal ; however, it does not allow me to maintain an independent record of communication, requires log-in credentials, and restricts message format. I only wish to send a plain-text email. <P/>I have been unable to find out whether providing any of the above information ( exchange rate, credit/debit dates, fee totals, fee purpose ) is an obligation of the bank. I find it hard to believe that I have no recourse but to hope for the best, instead of making an informed decision whether to offer a check for deposit, or to take it to another financial institution that may offer a better rate. Furthermore, I am surprised that providing a valid email address for correspondence is not an obligation of a financial institution. <P/>Thank you for your time and attention, ( name withheld )
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMEN has reported a debt to my credit report .. i have no knowledge of this company or never have i purchased anything from this company .. this company is fraudulent and has stole my credit information
Product: Checking or savings account

XX/XX/2020 Online Transfer our joint checking account {$5000.00} to CHK ... XXXX ( my wife 's new XXXX  checking account. ) transaction # : XXXX In the joint checking account, the transaction was done, the money has already been transferred. 
But Chase sent a letter shows my wife 's new XXXX  checking account have {$0.00} balance, the money did't transfer to it. And her online account access has been locked. 
Called several times to Chase ( every time need wait 1-2 hours ), explained we are at Hawaii, without any Chase branch here. Due to COVID-19, hawaii government prohibit people travel to other states. 
But they insist my wife need go to Chase branch to deal with that. 
We don't know what to do. Can you help us with that?
Product: Credit reporting, credit repair services, or other personal consumer reports

this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report Experian just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.
Product: Debt collection

I have a credit card account with XXXX XXXX XXXX XXXX. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( United Recovery Systems-URS ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH XXXX ( XXXX XXXX ) and URS. Despite my attempts to make payment, XXXX wo n't take a payment and refers me to URS. Furthermore, URS indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is XXXX XXXX billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is XXXX XXXX still billing me? Why is URS indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). URS has also advised that interest and late charges can still accrue, which suggests that XXXX XXXX has not passed they debt. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 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.