23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( 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. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXX account open on XX/XX/XXXX and XX/XX/XXXX I have no knowledge of these account they were deleted of my credit report at one point I been a victim of many glitches were my identity has been stolen through XXXX XXXX XXXX, the post office as well as XXXX and I also. Have a fraud alert which I am never notify of and inquiry made on my accounts I have try requesting validation of these account and have not received any they just update the account with out removal I want the accounts removed I also have a hard inquiry that I did through XXXX and it was said I will not affect my credit and it did from XXXX  XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant XXXX
Product: Debt collection

The date of the infraction was XXXX XXXX, I have file many disputes asking for validation of this account # XXXX from Williams Rush and Associ. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report. Consumers have a right under the FCRA to challenge information in their file that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. I am asking for proof of a contract with my signature that shows I have a legal binding contract with Williams Rush and Associ. I have also file a dispute with FTC in this matter.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, New York XXXX Previous Address : The following previous addresses are wrong : EMPLOYER - XXXX  XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - SELF EMPLOYED- The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is a new debt collector from a debt that was already disputed with CFPB and closed. I am a victim of identity theft, I do not owe this debt, and this debt collector is not supposed to be contacting me. I did not authorize permission for this to be listed on my consumer report to anyone.
Product: Credit reporting or other personal consumer reports

I have identified and notice many mistakes on my credit report. I have filed a report with the FTC. I would like to have these inquiries deleted. I did not authorize these company to run my credit that's fraudulent. I have reached out to all XXXX bureaus of the mishaps and they told me to wait a while and I will notice a change it has been over 6 months and no updated credit report. Thank you.
Product: Money transfer, virtual currency, or money service

The company ( Binance.us ) arbitrarily suspends the withdrawal of virtual currency asset XXXX XXXX XXXX XXXX  for prolonged duration without prior notification to the users. This suspension of withdrawal is not just specific to my account, but something that affects all users of the platform. 

I first noticed the suspension of withdrawal issue on XX/XX/2022 and emailed a customer service representative, as I could not find any information in the public domain regarding the suspension of withdrawal. I was informed by the representative, " the withdrawal suspension is due to wallet maintenance following a network upgrade, and other operations such as buying, selling and deposits of XXXX XXXX XXXX ) are operational, except for the withdrawals which would be fixed soon by developers ''. The following day, XX/XX/2022, the withdrawal service of XXXX XXXX XXXX XXXX was reopened, and the customer service representative responded that the wallet maintenance/network upgrade issues were resolved. I mentioned my disappointment about the lack of prior communication to users of these maintenance activities. 

Now, again on XX/XX/2022 and XX/XX/2022, the withdrawal of XXXX XXXX XXXX XXXX is suspended, without any form of communication. Therefore, based on my personal experience and that of other users, the suspension of withdrawal of XXXX XXXX XXXX ) seems to be a random and frequent occurrence at Binance.us under the premise of wallet maintenance.
Product: Checking or savings account

Hi. 

On the XX/XX/XXXX I opened a business account in XXXX branch of Citi and prepared to participate in the {$1000.00} promotion for having {$50000.00} on the account. 
Two days after I left US to visit XXXX for a XXXX XXXX holidays. 
From there I set a {$10000.00} deposit from my account in XXXX bank. I did it from XXXX IP address and the bankers suspected fraud. 
Unfortunately, my Citi account access was blocked after this transaction. I called to the banker opened an account for me, he couldnt help. 
I sent him my XXXX bank statement, but without any luck. 

Then they decided to close my Citi personal account - because I did transfers to my own XXXX and XXXX bank account. 

And in the XXXX they even made a decision to close all of my XXXX credit cards, which I owed for a years. 
My first credit card account with Citi was opened in XXXX, so the closure was very sensitive for my credit score. 
I believe it was because add my Citi cards to the XXXX XXXX - its a special credit card allows transfer of purchases between my credit cards. This feature called Go back in time. 
I have many cards of different banks connected with XXXX This year I decided to get status with XXXX XXXX, so I made a purchases using different cards in the past and changed them in XXXX to XXXX XXXX XXXX. 
The bankers could decide, that I have many purchases at the same time and the same day. 
I even got a call from their fraud department and explained them the nature of the transactions. 

Now I have no relationship with Citi anymore and its so sad. 
I never had any debts or late payments in the past. 
Kindly ask you to reconsider this decisions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from Transunion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

10.The inquiry was not authorized XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

16. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

17. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB PARA REMOVER LATE PAYMENT ( ( XXXX XXXX XXXXXXXX ) ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TRANSUNIONregarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to TRANSUNION regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Product: Vehicle loan or lease

Pease reach out to company if am eligible for a settlement reimbursement
Product: Credit card or prepaid card

i provided all the proper documents and proof of my statements from XXXX, XXXX, and XX/XX/2023 - from XXXX Bank to Discover card by fax, including the latest on XX/XX/2023. Please review the fax from XX/XX/2023. The numbers are there, and they are correct. I just need someone to actually look at the documents, as {$100.00} was the initial deposit on XX/XX/2023 and then {$1.00} added on XX/XX/2023. Please see attached. Please allow me to use my account # XXXX XXXX XXXX XXXX. 


My SSN is XXXX XXXX discover card number XXXX XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple unauthorized credit inquiries that should never have been there. These are not minor errorsthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed inquiries can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. My report reflects unauthorized inquiries from XXXX XXXX  ( XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ). These inquiries must be investigated and removed immediately.
Product: Checking or savings account

I contacted the bank on XX/XX/XXXX soon after my husband reported an incident at one of their ATMs located at XXXX on XXXX XXXX in XXXXXXXX XXXX  My husband called them immediately after he deposited XXXX in the ATM slot and the machine shut down before completing the transaction. His card was also stuck in the ATM machine. I contacted them immediately to check that they had the incident on file. My husband is co-owner on the account. I told them that it is imperative that they release a temporary credit as we have bills to pay and being currently on XXXX leave leads to not have any paychecks as direct deposit coming in the account. I contacted them every day without any resolution. On XX/XX/XXXX I had bills that had to be paid which resulted in my account being overdrawn and the bank charged me an overdraft fee. I understand that they need to investigate the incident but I can not have XXXX dollars missing from my account for this long when bills have to be paid. It is a completely irresponsible practice to put customers through so much stress and XXXX  and not take responsibility for their mistake and lack of communication. I called them every day since this incident happened and explained that I need this resolved immediately but nothing has been done except being charged an overdrawn fee. I am so angry right now that I am considering legal recourse.
Product: Credit card or prepaid card

I accidentally paid my bill twice. When I saw the automatic payment had taken my funds ( {$2800.00} ) a second time at midnight on XX/XX/19, I called TD Bank Visa at XXXX XXXX on XX/XX/19. They said the money would have to be sent back by check and it would take 7-10 business days. I called back on XX/XX/19 and found out that only {$1500.00} had been refunded and that the check was just printed that day. I was told that the original person set it up as a credit and not a refund. They told me that corporate would have to review it and refund the remainder. I called on XX/XX/19 to find out that no one has reviewed it yet. My money has been fraudulently kept for almost a month now.
Product: Debt collection

XXXX XXXX XXXX / XXXX / {$25000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted info requested by fax. They still wont tell me whats wrong and the verbally state all my information yet continually state they need to verify
Product: Mortgage

At first we were thinking of refinancing our home, but then read about this other option of recasting ( or re-amortizing ) the existing loan with US Bank. The process was straightforward ; we just needed to pay at least 10 percent of the existing loan plus a {$250.00} fee and the bank would reamortize the loan with lower monthly payments. I called the bank to make sure of this and was given an estimated new monthly mortgage payment of approximately {$550.00} per month less that we pay now. We sent the money with the notarized form plus the {$250.00} fee, and I noticed online that the balance of the loan had dropped as expected, but I had received no information as to the new monthly payment amount. I sent a request to the bank through their online messaging system, but received no reply after several days, so I followed up with two more requests. Still nothing. I finally called them last Saturday, to speak to their customer representative, and he told me two strange things ( 1 ) my escrow account was deficient $ XXXX dollars, ( 2 ) and then he read me my new re-amortized payment amount which was XXXX dollars per month lower. My calculations showed this new amount should be approximately {$550.00} lower, which was the reason I embarked on the recast process in the first place. Also I have received nothing in writing ever on this escrow shortfall. I am very worried.
Product: Student loan

I am on XXXX and in XX/XX/XXXX and XX/XX/XXXX I was placed on administrative forebearance which when I called to inquire to have tracked as a payment, they told me it was a processing forebearance and would not count because I didnt make a payment. I never requested a processing forbearance and I never would have as I want my months counted while I am working. I didnt turn in anything late. They shouldnt be allowed to just place me on forebearance and stick me into public service longer and longer. I need those XXXX months counted.