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

Formal complaint Regarding Violation of Privacy Laws and Lack of Transparency To Whom It May Concern I am writing to formally address my concerns regarding your organizations failure to comply with privacy laws and your lack of transparency in explaining how you obtained my personal information. 

Despite multiple requests, I have not received a clear and detailed explanation of the sources and methods through which you collected and disseminated my data. This lack of transparency not only violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy laws but has also caused me significant distress, especially as I am currently XXXX XXXXXXXX. 

Dealing with this issue has been an undue burden, further complicating an already challenging time in my life. As such, I request the following : XXXX. A complete and detailed report on how my personal information was obtained and shared. 
2. Immediate correction or removal of any inaccurate, outdated, or unauthorized information in my report.

3. Assurance that your organization will take necessary steps to prevent further violations of my privacy rights.

Should I not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal action. 

I appreciate your immediate attention to this matter and look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX
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 - {$470.00} XXXX XXXX XXXX  # XXXX - {$0.00} Has violated my rights. Or 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

XXXX XXXX XXXX improperly froze my bank account, I haven't had access to any funds since XX/XX/XXXX. Not a soul from XXXX XXXX XXXX reviewed the account prior to freezing the funds. My account includes exempt funds however XXXX XXXX XXXX and Selip and Stylianou LLP refuse to release the funds. I've provided both the bank 's legal team and debt collection agency with exempt claim form documentation to show the funds are exempt. XXXX XXXX XXXX keeps telling me they are not responsible for releasing the funds even the exempt funds. XXXX  XXXX XXXX refers me to Selip and Stylianou to release my funds. I've explained the laws to both parties and they refuse to comply. In addition to not releasing the funds, XXXX  XXXX XXXX charged me a processing for the payment they gave Selip and Stylianou. They have left me in a position of financial hardship with my daughter unable to provide basic needs. I now have late fees for my rent, no childcare, and food.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to Equifax and The Internal Revenue Service my personal information was exposed in both of their data breaches. Equifax, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit that i didnt authorize and do not recognized Ive reached out to TransUnion about them and was told they do not dispute or remove inquires
Product: Payday loan, title loan, personal loan, or advance loan

I've made more payments than the original loan. And my car was repossessed over XXXX XXXX  short of a payment. The total balance i had to pay was XXXX to have title max release my vehicle. Thats already double the amount of the original loan. I want this account to be settled and close out and I want my title back., and that account still has a balance of XXXX XXXX XXXX  and something. I've already paid double.
Product: Debt collection

XXXX opened account under my name with no consent and send to collection. Collection Agency is going damage my credit. Tenants never open account on XXXX XXXX and after two years and half XXXX XXXX found it and do not prosecute the person who used the service. I went to XXXX XXXX office in XXXX XXXX and they asked me to give proof with leases. I gave them leases and evictions. The clerk took copies and said we contact you. Yesterday i received the collection letter. I will not pay services i never used also XXXX XXXX did not send the interruption service timely to avoid this. Please helpme to stop this abuse.
Product: Credit card or prepaid card

I got a call from XXXX XXXX  collection department stating that my payment was not received. I explained to the customer service collections rep ( XXXX XXXX, Sunday XX/XX/XXXX at XXXX XXXX. She stated that XXXX XXXX  charged me a late fee because my payment was due on the XXXX. I explained to her that I had called into XXXX XXXX before and request that my due date be change after the XXXX of the month because that's when I receive my pay. I asked her to remove the late payment, she told me that they already removed one previously. I explained to her that she should look at the account to see when the late fee was removed because that would have been the date that I called in to request the due date change. XXXX XXXX  continued to argue back and forth and overtalk me, I couldnt get a word in edgewise. XXXX XXXX  charged me late charges for since XX/XX/XXXX. If I requested the due date change, why would they not change my due date and continue to charge me late fees. My I made 2 payment in XX/XX/2018 which should have brought my account in good standing. At that time, I requested that Macys change my due date. Nothing was done, they continued to charge me late charge every month. This is illegal and unethical. I had a XXXX   account in the past, I had the same kind of billing problems which forced me to close my account. The payment should have been corrected in XX/XX/2018. That was the date that I called to move the payment date behind the XXXX  of the month which is when I get paid. XXXX XXXX  never moved the date, but continued to charge me late payments. Today, after calling 3 people and being on the phone 2 hours, I got a person by the name of XXXX XXXX  Collections Supervisor XX/XX/XXXX ( XXXX ), who told me to make a payment of {$48.00} ( I made the payment ), he told me that this amount would catch up my payment, then told me to make another payment by XX/XX/XXXX of {$59.00}. I asked him why would I be making {$59.00} payment, when the payment was only {$27.00}. He stated that that payment would catch me up. That was he initially told me about the {$48.00} payment. XXXX XXXX is running some type of scam. They are tricking people into believing that if they make a payment, that they will be current, only to find out once they get your payment, you account is not in good standing. This is unethical and illegal. Looks like a bait and switch. They should be fined for this type of action.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found unauthorized inquiries on my credit report. The inquiries took place XXXX. The Companies are XXXX XXXX XXXX XXXX XXXX XXXXXXXX. CAPITAL ONE AUTO FIN. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX FCRA LAW 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of Credit Reporting Agencies
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair act reporting ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

Equifax says I have to go to XXXX to get a report from them.
Product: Money transfer, virtual currency, or money service

I have all the emails to prove that I was a victim of an internet scam. I wanted to purchase a dog and came across a page that had them much cheaper than everywhere else. I immediately messaged them. Puppies were sold for {$640.00}, I asked how much it'll be if I bought two, I was told {$1000.00} and {$75.00} for shipping straight to home. Then they send me an email saying that because of COVID puppies are required to ship in another crate and that the payment for the crate will be XXXX and to send it through XXXX, and that when the puppies were delivered I would get refunded XXXX. I went back and forth because I didn't have that money and all kinds of payment options were offered, like XXXX, XXXX, and even XXXX. After I saw I was getting the run around, I said I'll pick the puppies up myself in NC and I was never given the address and they were trying to make me think that the airport was holding the puppies. The shipping company they falsely used was " XXXX XXXX XXXX  '' ( XXXX XXXX XXXX ) I sent them {$1000.00} through my PNC debit account and {$75.00} through my XXXX XXXX account to a XXXX XXXX , through XXXX their email was XXXX I was so excited I was going to get two puppies that I even got pet insurances the minute I sent the money through XXXX, paying almost $ 100 monthly for pet insurance. 
Also the website is called XXXX XXXX XXXX  ( XXXX XXXX XXXX ) emails that these scammers used were XXXX XXXX XXXX ( delivery company email )
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  First Advantage provided incorrect information on my background check which cost me employment. I had the same thing happen with XXXX XXXX XXXX XXXX and they corrected the error. I also provided State of California documentation to support the reporting information was wrong and First Advantage still processing incorrect information to employer.
Product: Checking or savings account

In XX/XX/2020, received notice of 3 o draft fees, then account locked. When branch XXXX nh.. manager informed locked my account chip on chip avtivity, account XXXX overdraft not counting XXXX of fees. We went Thur unatorized trans found purchases in cal, ny, nc, few trans purchase card in california, legit purchase made in XXXX nh few hours later ... impossible in cal and nh few hours. Filed police report gave tp bank. For one month to bank kept saying did not police report, branch emailed twice, filed new report Thur bank XXXX assured police in he XXXX sure refunded the bank close account found fraud .... finally hours on phone XXXX XXXX number one honest to bank employee bank saying left me phone message saying fraud activity they thought on account, I never received notice, until got 3 of fees in mail. 

Been customer to bank 20 years, retired now my ss income, loss half. Money month. Thur out this process to bank lied many employees, why not process file charges in out state debit thefts. To bank are bunch robbers, no ethics, or truth in them share holders ashamed XXXX XXXX bank who dont protect, be truthful customers.
Product: Debt collection

On XX/XX/XXXX made arrangements to pay a past due amount on XX/XX/18, payment was deducted on XX/XX/XXXX. Called Chase and same day and was promised that it would be reviewed and supervisor to call back and if it was identified that error occurred over draft amount would be reimbursed. Followed up again a week later no call, followed up for last time XXXX still no resolution, call was not even pulled for review. Promised again resolution in 3-5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

following accounts are incorrect, and the affecting me XXXX XXXX XXXX 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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my is XXXX XXXX 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 Account number XXXX Account name XXXX XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial was not removed from my credit report as it should have been in accordance to the fraud report that was filed. I would like both of the Elan Financial accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer Date of BirthXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX  U.S.C. XXXX  ) 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 XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX  XXXX XXXX XXXX, XXXX and also XXXX XXXX XXXX XXXX on XX/XX/XXXX, a XXXXXXXX on XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX. XXXX, XXXXXXXX XXXX  on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX account opened at XXXX  XXXX XXXX XXXX XXXX, XXXX And a XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX balance of $ {$1900.00} that appears related to the aforementioned personal loan account opened atXXXXXXXX XXXX Also an XXXX account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX that appears related to XXXX XXXX with a balance of {$420.00} Also an XXXX account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears to be associated with XXXX XXXX XXXXXXXX XXXX XXXX And other accounts XXXX opened on XXXX XXXX, XXXX XXXX opened on XXXX XXXX, XXXX with a balance of {$4400.00} XXXX opened on XXXX XXXX, XXXX with a balance of {$72.00} And all Hard inquires
Product: Credit card

The reason for my complaint is : Improper reporting of credit to the XXXX major credit reporting agencies. XXXX separate credit card accounts dating back to when delinquencies started ( XX/XX/2011 & XX/XX/2011 ). The XXXX referenced items were supposed to be " charged off " 150-180 days after the dates of delinquency ( as told to me from a current co. I am working with to secure a loan and by the credit grantor that created the problems ). They were not. They are still being reported as being late. XXXX credit card : 30 days 1x - 60 days 1x - 90+ days 64X. XXXX credit card : 30 days 1X - 60 days - 0X 90+ days 64X. The credit grantor stated, " The dates of the credit cards " charged off " were XX/XX/2011 & XX/XX/2011 ( respectively ) '' .The credit reports from the XXXX reporting companies do not indicate this at all. I was told, " The accounts are in the Recovery Dept. ''. 64X @ 90+ days late = 5,760 +/-. Well past the time they were supposed to have been " charged off ". This has greatly affected my credit in the past years and is currently affecting my credit. I am in the process of applying for a home loan and the loan co. noticed this on my reports. I do not get regular credit reports or keep a constant watch on what is and what is not being reported.
Product: Credit card or prepaid card

We received a Letter in the mail addressed to XXXX XXXX at our home address. It said that synchrony bank received the request for credit for a credit program with Walmart. It stated that unfortunately they were unable to approve the request at that time because of prior application has been submitted too recently. XXXX XXXX does not live at our address and we do not know this person. We believe this is a case of fraud. Synchrony bank told me to send the letter to them and they would investigate it. The back of the letter also said to contact the consumer financial protection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent Capital One credit card that still appears on my account. I repeatedly told Capital One that this credit card is not mine and fraudulent charges were made to it. Capital One did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with Capital One again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for a refinance loan with my same current mortgage company, XXXX XXXX, simply to get a better interest rate and to also get rid of having to pay PMI insurance fee. 

Prior to applying to the refinance loan my credit score was listed at about 634 through both XXXX XXXX and also XXXX XXXX  which is available to me through XXXX XXXX credit card. 

After the " hard inquiry '' credit check was done, I received an update that my credit score had changed. At this time, I was shocked to see that my score dropped a whopping XXXX points or so to a score of XXXX. 

I'm filing the complaint because this has got to be considered an excessive drop and I can not believe that there are no standards as to how much the reporting agency can drop your score for a credit inquiry. I am especially shocked because this is a refinance of the same loan amount and for a shorter term limit. It is crazy to me that these reporting agencies are NOT held more accountable -- -- please advise. 

Thankyou, XXXX
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. 

Here are the list of fraudulent inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have a home equity loan with Wells Fargo, a 15 year with a balloon payment at the end of the term. We have been making extra payments on a monthly basis to pay off our loan early. We have never missed a payment on this loan. In our amortization schedule the payment is mostly interest and a small portion to principal. How they have been applying our payments during the XXXX calendar year and early part of XXXX do n't appear accurate or consistent. For example, we have been paying approximately {$600.00} - {$700.00} a month when the payment amount is approximately {$410.00}. Some months they were applying more of that payment to the interest than principal in other months they have applied nothing to principal or interest. If I look on their website, in XXXX it looks like I only made XXXX payments, however, when I look at my account that the payments are coming out of, I can see that I 've made XXXX. Additionally, there were months where we would get a statement from XXXX stating that we did n't have to make a payment for the upcoming month and that the additional payments would go to principal.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Money transfer, virtual currency, or money service

Sent a money wire from Bank of America to XXXX on XX/XX/19 for the amount of {$1400.00} and paid an additional {$30.00} for same day wire fee. I checked my bank account on XX/XX/19 and noticed that the wire was still processing I called the bank several times to cancel the wire and I have not heard back from them.