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 : BBY/CBNA Account Number : XXXX =================================== UNAUTHORIZED INQUIRIES PLEASE DELETE ASAP! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 =================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX, I reached out to my mortgage company, United Wholesale Mortgage ( UWM ), to remove XXXX  from my loan. Once the issue was escalated via CFPB Complain No. XXXX in XX/XX/XXXX, we finally made traction on the process to remove XXXX. In correspondence dated XX/XX/XXXX, XXXX XXXX, Director of Consumer Affairs apologized for the delay and stated that we will receive a " reimbursement for additional XXXX premiums paid due to the processing issues which occurred. '' In XX/XX/XXXX, I received correspondence that I met the requirements for the removal of XXXX and that my monthly mortgage payment amount would be adjusted effective the XX/XX/XXXX payment. It made absolutely no mention of the reimbursement due to the delay in processing my removal as promised by XXXX XXXX. Again, I reached out to the company via postal mail requesting reimbursement for the XXXX premiums paid during the processing delay. In correspondence dated XX/XX/XXXX, I received a check from XXXX in the amount of {$15.00} which " represents a refund of an unused premium from my XXXX company. '' To clarify, the processing issues began in XX/XX/XXXX and were resolved XX/XX/XXXX and in no way does {$15.00} amount to the XXXX premiums I paid since my original inquiry.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX  ) I hereby opted out of all your informational services and branches for the illegal distribution of my information without written consent which is a data breach and invasion of privacy any further trespasses on the account will be seen as a threat against my personal assets and will be seen as fraud and reported to proper lawful authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving notices to submit my identification to prove that I am me. I have uploaded my ID and utility bill as well as mailed it in every month. I've called and confirmed my identity. I was informed that my report would be updated after speaking to the representative. The results that I received are stating that I need to provide an identification of who I am again. The response that I am receiving is a generated response. I have mailed in my identification as well as uploaded it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me
Product: Debt collection

XXXX XXXX XXXX placed an account from XXXX on all three of my credit reports. I have no knowledge of this debt and they failed to send me anything in the mail to give me a chance to dispute or validate the debt. The last 4 of my social are XXXX  to help locate me in the system
Product: Bank account or service

I have asked this company many times to update and correct my info and the banks that they have listed correct their wording on the listing they have on this company. I have never done anything wrong to make them list the wrongful items. But this company isnt doing the corrective matters. They are just making it harder for my life.
Product: Debt collection

they called my house regarding a person that hasnt lived here in 8 years. i told them so and they keep calling. 

so i called them this morning upset and they hung up on my 5 times. i cursed at them because they kept speaking over me but they were not being nice and have not removed me from their dialer that keeps calling.
Product: Checking or savings account

A male individual who presented himself as a Wells Fargo customer service employee called me from the Wells Fargo customer service number claiming there was a wire transfer and XXXX transfer attempting to be sent from my account to an individual that I did not know nor did I authorize either of the payments. 

The individual told me due to the nature of wire payments that they would be processed so I needed to send reversal wires in order to retrieve the funds back in my account. Individual walked me through setting those wires up on my phone and even asked security questions that a normal Wells Fargo employee has asked me in the past. Once the reversal wires were sent by me I got another call from Wells Fargo customer service representative a couple days later asking me if I sent the wires and I said yes because thats what I was instructed to do by who I thought was a Wells Fargo customer service employee. Thats when they told me a customer service rep wouldnt have advised sending a reversal wire and I knew I had been scammed. Filed multiple claims with Wells Fargo to retrieve the money back into my account but Wells Fargo said they cant do anything because the wires came from my phone/IP address on the account technically.
Product: Credit reporting or other personal consumer reports

XXXX on XX/XX/year> my account was late due to oversight and was paid off and it's still on my report. They said it would be removed and it was not I called and paid the account off and don't owe them anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Multiple amount send via Zelle without the ability to confirm if it was the correct receiver.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, which resulted in numerous unauthorized accounts being fraudulently opened under my name. Despite filing disputes with the credit bureaus and providing evidence through a valid FTC identity theft report, the following accounts remain on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened without my consent and are negatively impacting my credit profile. The XXXX XXXX account, where I am listed as an authorized user, was added without my knowledge or permission. 

Additionally, incorrect personal information, such as aliases and previous addresses, has been added to my credit report. The credit bureaus failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation or removing these fraudulent accounts after my disputes.
Product: Debt collection

Federal law requires the following Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. 

While Convergent claims they do not buy debt and that they are only doing so on the clients behalf they still have to obide by credit collection guidelines. They are still Required to verify debt and provide mailing showing amount owed. 
Convergent is attempting to collect on a debt that was disputed with XXXX in the amount of XXXX . This XXXX $ was a cut off fee for services that were not used or explained. Information on the debt was sent to company and no response was received. This has to occur within 30 days. 
A written cease and desist was provided to the company on the basis of inaccurate debt reporting and failure to follow federal guidelines. 

Violation of privacy laws occurred by there own admission on their website " Certain information may be collected from you automatically when you access and use the Site. For example, we and third parties may use Tracking Technologies ( defined below ) to collect Usage Information ( defined below ) based on your Device Identifier ( defined below ) for a variety of purposes, which may include activities over time and across third party locations. " The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Checking or savings account

I used to have a savings account with Capital One Bank. I received an email from a person named, XXXX XXXX in XXXX 2014, who had checks in my name in the amount of $ XXXX.and {$3800.00}. I deposited the two checks in my savings account, withdrawn some money and took the money to XXXX XXXX to help other people in need in the XXXX. I was blind too not know XXXX XXXX was a scammer and swindled me for my money. I got a call from a Fraud Investigator, XXXX XXXX of Capital One Bank about my savings account. XXXX XXXX informed me that my account was frozen, since the scammer took all of my money out of my account. I asked XXXX XXXX if he will get my money back. XXXX XXXX replied, that he will try to get my money back. I provided XXXX XXXX, the necessary information pertaining to my savings account with Capital One Bank. Capital One Bank wanted me to pay out fees not covered from my savings account. As of date, XXXX XXXX, Frauds Investigator has not contacted me with an outcome in regards to my money. I would like to know the Fraud Investigator, XXXX XXXX never got in touch with me in three years. This is unethical of XXXX XXXX and not professional.
Product: Credit reporting or other personal consumer reports

This is about a Mazda XXXX XXXX account on my credit report thats showing 3 different dates from 3 different bureau 's these accounts should be showing the same information when there not! From my understanding there is a law stating Your Credit reports should have no errors when reporting issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported For XXXX XXXX XXXX XXXX date Reported is XXXX XXXX Reported a date open on XXXX Basically what am asking is for these accounts to be removed from my Credit report at once. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth Financial c urrently is trying to collect a debt for the amount of {$930.00}. They have kept this on report when they also do not have a license to collect in the state of Florida. I have contacted them asking for the removal and also forward this information to all   XXXX   credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these inquiries removed as they are not tied to any open accounts. They are negatively impacting my score and I believe it is an unfair representation of my creditworthiness. 
Inquiry 1 : XXXX  XXXXXXXX XXXX XXXX  ) on XX/XX/2022 Inquiry 2 : XXXX XXXX XXXX XXXX  ) on XX/XX/2022 Inquiry 3 : XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 15 U.S. Code 1681a ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Product: Credit reporting

I called and wrote multiple letters XXXX to dispute some the inquiries on my credit report that were not made by me however I have not heard back from them. I need CFBP to help me resolve these matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX, DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( XXXX XXXX XXXX XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). 

... ... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.
Product: Credit card or prepaid card

I called Synchrony in XXXX to work on paying a charge off account. 

I was told that I could set up a payment plan, and while I was making payments that my account would not be sold to collections. I chose this option over the settlement payment because I felt that although I could have paid the settlement amount at the time, paying the full amount, even if over time, would look better on my credit report. 

I set up payments for XX/XX/XXXX and XX/XX/XXXX for {$75.00} each, and both payments were drafted from my bank account without issue. 

I called today ( XX/XX/XXXX ) to schedule further payments and was informed that my account had been transferred to XXXX XXXX, XXXX and that I would no longer be able to make payments through Synchrony as it had been turned over to collections. 

The lady I spoke with today apologized, and told me that Synchony was going to attempt to cancel or reverse the transfer to the collection agency. 

I'm trying to buy a house in the next few months and a rogue account going to collections when I had been told that it would be not be is the last thing I need.
Product: Debt collection

I have a concern that my privacy rights were violated through a family member ( brother-in-law or b-n-l ). The company RevSolve contacted my brother-in-law on XX/XX/XXXX regarding a small medical debt he owed. The agent then asked him if he knew me. He stated that I was his sister-n-law and asked if there was a problem with me and if he could pay my account off. The agent told him she couldn't give that information out, so my b-n-l said " Then why did you bring her name up? These two accounts have nothing to do with each other. '' Since my b-n-l was on the road when they called, he called them back on XX/XX/XXXX to pay off his account. On that phone call, a different agent asked him if he knew me - this would be a second time my name came up. My b-n-l again told the agent that our accounts have nothing to do with each other and why are you bringing her name up to me? My b-n-l was concerned and so finally decided to ask me about it. When he asked me " Are you and " my husband '' having financial difficulties? '' I was mortified that he would have been subjected to that through TWO agents of the company RevSolve. My name should have NEVER been mentioned what-so-ever to him. Our accounts are in no way connected. It would be no different than having 20 " XXXX 's '' and assuming any of them would be connected or related. I contacted RevSolve on XX/XX/XXXX to file a complaint. They were supposed to call me back on the same day and I have yet to hear from them. I have also contacted the medical facility on XX/XX/XXXX to let them know they are contracting with a company which is violating privacy rights. I have not received a call back from them as of yet ( XX/XX/XXXX ).