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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - 11/19 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX years. XXXX5 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I literally just gotr off the phone witrh a supervisor from Experian on XX/XX/2023 at XXXX est. 

I was transferred to a lady by the name of XXXX, because I just spoke to somebody regarding a call on XX/XX/2023 from a representative name XXXX. I alerted XXXX that, because I am on a recorded line with Experian, he is also on a recorded line through myself. He told me that my disputes will be deleted and will be taking care of per fraudulant and unauthorized information being furnished by Experian. 

So, when I looked at my report today and saw that the items were under dispute and not deleted, I called to speak to a supervisor again. After a legnthy hold, I spoke with XXXX and told her the history and conversation that I just had with XXXX. I also alerted her that, I know that I am on a recorded line with Experian and you are on a recorded line with myself as well. 

She told me that I do not have the right to record her conversation. I told her that you are on a recorded line per your company Experian either way, so we're both being recorded, and I am also recording this call per myself. She told me she does not want to be recorded and hung up. This is unacceptable. Not only is Experian reporting information fraudulently, without my express written consent, now they are disrespecting me, the consumer, andhave flagrantly repeated not to do the right thing. I have given plenty of opportunities for Experian to make this right. They have failed to do so.
Product: Checking or savings account

On XX/XX/2022 I received an app notification from Discover bank that there was an issue with my account and to call them. We waited on hold for over 10 minutes with the number they provided and when we spoke to an associate they transferred us to the fraud department. We were hung up on. We did this two more times before getting the direct number. When we called the fraud department we waited over an hour to talk to a representative. The rep told us that our account had been closed due to a " business '' decision and no other information was provided. They would not tell us when our money would be released, or how we would get it, they repeated over and over again that they'd have a supervisor call us. We called back later that night and the wait was over an hour and 20 minutes. This agent ( XXXX XXXX told us that it would take 60-90 days and refused to answer any other questions. He also said a supervisor would call back, but that never happened. It's been over 48 hours.

They did tell me in the course of this conversation that they had canceled the wire transfer to my landlord ( the same one I make on or around the 1st of each month to the same person, at a local, XXXX XXXX  ).

We made no unexpected purchases, we did not deposit any money from bitcoin or other cryptocurrencies. We do not have a history of bounced checks. We had one transaction fail because my deposit was delayed by a day due to memorial day and it was able to go through the next day. 

All but {$200.00} of our money was in this account and they prevented us from paying for rent, our utilities, and basic necessities like gas and groceries. We had to get money from our family to be able to make ends meet, with no information on why they did this. If we did not have that financial support, we would be at risk for homelessness. It is inconceivable that Discover should be allowed to do this. 

I made a public XXXX and XXXX post and users are commenting that they experienced the same thing this weekend. Either Discover was compromised and this is their solution, or their fraud automation is broken. Whatever the reason, they have put immense burdens on their consumers who are already feeling the deep pains of inflation and gas hikes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 XXXX XXXXXXXX XXXX XXXXXX/XX/2023. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraudulent activities, not later than 4 business days after the date of receipt.
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 item of information, other than records of convictions of crimes, 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX is violating the law & violating my rights but reporting fraud on my credit reports ( XXXX XXXX XXXX acct # XXXX {$11000.00}. ) I have made several attempts to dispute this fraud. They have not legally validated & continue to ignore my request for legal proof & also send me the documents I requested from them such as ; their tax certificates etc. By law they have to provide all these documents I requested. I have submitted a FTC report & sent to all 3 credit bureaus. Furthermore, XXXX hired a 3rd party Debt. Collector, ( XXXX XXXX XXXX ) That is harassing me, violating my rights even more. This is causing me & my family extra stress & damaging any efforts for future credit. XXXX is violating my Aboriginal American Sovereign rights beyond the US. Statutory laws. ( XXXX XXXX United States Department of State on XX/XX/XXXX XXXXwitnessing signature of the Secretary of State XXXX XXXX [ Executive Branch ] and the witnessing seal of the United States federal Government [ form 06013144-1 ] based on Article 4 [ Authentication ] & Article 6 [ Supremacy Clause ] of the United States Constitution, both Articles being based on International Law in full accordance with CFR 22 131.1 & 131.2 and in accordance with USC 4 Section 42 )
Product: Credit card or prepaid card

XX/XX/XXXX {$6000.00} payment made on credit card account ending in XXXX -- note : funds to pay off credit line was from a term loan obtained on XX/XX/XXXX by XXXX XXXX XXXX in the primary business bank account XX/XX/XXXX Payment Review Letter sent by Wells Fargo and credit line frozen XX/XX/XXXX Called phone number listed on letter XXXX XXXX XXXX XXXX -- representative told me this was the wrong number. Gave me a new number XXXX XXXX XXXX XXXX XX/XX/XXXX Called new number and spoke with a representative who took 20 minutes to transfer me to their manager. Manager then argued with me for 10 minutes and said they were unaware of the letter and everything was okay. Then put me on hold and hung up after over 30 minutes on phone. 

My account has been legitimately paid in full for over 2 weeks now and my credit line has been frozen for no apparent reason and my time has been wasted. This is ridiculous and XXXX XXXX should go to prison for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 i have a deal with CONSOLIDATED CREDIT Solutions , to make my Credit Cards payments, ( 5 ) ... So, i have never failed my monthly payments with they ... and currently i found that there are Three ( 3 ) of my cards with " LATE DATES " several months in each one ...
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of a fraudulent account appearing on my credit report. This account was opened as a result of identity theft and contain inaccurate and false information. The fraudulent account is as follows : XXXX XXXX XXXXXXXX XXXX : {$10000.00} This account have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that this fraudulent item be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

New alerts from Experian. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have a credit card and a checking account at Citibank. I made a check deposit to Citi private bank. via their mobile banking application. I had previously tried to make the deposit to a separate credit union, but the check was above the allowed amount. I had to scratch out " For Mobile Deposit Only at XXXX '' and write " For Deposit at Citibank. '' I called after making the deposit and was told that they would notate the account and let me know if there were any problems. I was then notified that the deposit had been accepted and there was a partial release of my funds. Two days later I logged into the app and noticed that my checking ing account did not show up. When I inquired I was told there was a fraud alert on my account and that I could not currently use my checking account. I had never been notified of an issue and was told that the department that handles the account would not be open until Monday. I was told that my funds would be inaccessible and they could not do anything to help. I had a large payment that I was attempting to make today and am now unable and will incur a {$150.00} fee for the delay. Keeping a customer from their deposited funds without recourse nor notification is not only terrible customer service - it is illegal.
Product: Credit card or prepaid card

I lost my wallet around the end of XXXX of this year and some of my credit cards were used, one of them being TD BANK credit card, I disputed a transaccin of {$840.00} from XXXX  XXXX XXXX XXXX. I spoke to a representative and specified I lost me wallet with my credit card inside it and that I did not have card nor did I make the transaction. Around mid XXXX I realized the transaction was placed back in my account and I called to find out why and they told me that the representative who had originally took my call made a mistake and put that I had my card at the time of the transaction instead of putting that I did not have my card which is why i was charged. I asked for my call with the person to be reviewed so they can see I specifically said I DID NOT have my card and they told me they created a dispute and asked for my case to be reopened but nothing has happened, it is now XXXX and I have called about 5 times now, I have even spoke to a manager who was of no help and said the only thing they can do is ask for the escalation, i called again today and was told nothing is being processed and they can just escalate my issue but that it is on hold and my card is now asking me for a payment which I will have to make to not affect my credit but TD bank is not resolving my issue and I should not be held responsible for one of TD BANKS representatives mistakes! They are not offering me any help, nor any resolution for this, I am beyond stressed out, this is consuming so much of my time calling them over and over to get no proper response or solution which is just messing with my emotional stability and stressing our my days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address are wrong and dont belong too me I left some links and my id so please remove the wrong address
Product: Mortgage

I 'm learning that XXXX XXXX XXXX got on my registered deed action chain on XX/XX/XXXXMortgage fraud was record XX/XX/XXXX. I were scammed out of my house by XXXX XXXX XX/XX/XXXX. He claims he made a bank buy from XXXX XXXX  Please present in writing to the CFPB what role did XXXX XXXX XXXX play in this transaction. <P/>Please refer to the XX/XX/XXXX letter from the OCC case XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681, Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After speaking with collection mgr at Kashable, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems Kashable has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!
Product: Vehicle loan or lease

XX/XX/2023 I called Bridgecrest to see if they could work with me with a payment plan my car is worth {$8000.00}. They want me to pay {$18000.00} to purchase the vehicle. My payment was {$600.00} a month and I lost my job I called bridge XXXX on this day to see about getting on a payment plan. They told me that I would have to pay {$4000.00} in order for them to consider a month-to-month payment plan which would be {$500.00} a month only {$100.00} less than the original payment plan which was {$300.00} every two weeks and on XX/XX/2023 Bridgecrest sent out a repossession company to repossess my vehicle. I did not give them possession of the vehicle. I still have the vehicle, but Bridgecrest is still suggesting that I pay {$4000.00} to them for them to consider putting me on a payment plan I feel like that {$4000.00} is too expensive with them knowing that I am a single mother of six children. I am currently not able to work because I dont have proper childcare. I am willing to make payments but I am not able to afford a full {$4000.00}.
Product: Debt collection

Never reviewed any written information on the debt in question. I also was never properly served prior to filing a lawsuit. Lastly, I do not believe this debt collector is properly licensed in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor ( XXXX XXXX ) has unlawfulley treated a payment on a loan account under an open end consumer credit plan as late! 

So by law referring to 15 USC 1666B : a creditor may not treat a payment on a account under a open end consumer credit plan as Late for any purpose!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX XXXX  to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}
Product: Mortgage

During an insurance issue, I was informed by customer service to pay my regular payment. Which was around {$1200.00}. Instead of the additional insurance money they were requesting for escrow. I made my regular payment calling into customer service twice. It was then sent to collections that I was not making my payment. I called customer service back and escalated it and was then told whatever they had told me was incorrect and I needed to pay the additional money or I was considered delinquent. I paid in full after receiving this information and asked to correct the error and fix my now damaged credit score. I had to speak with someone else. They said it should correct in 30 days since the payment was made in full. It did not correct. The freedom mortgage company later determined they made no error with this information and would not retract the delinquent notice and letter to collection. Therefore leaving my credit severely tarnished. Yet if customer service communicated this from the beginning I would have paid it all just as I have been making my payments on time since purchasing.
Product: Debt collection

XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. 

I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked in accurate XXXX Account services and XXXX XXXX XXXX.
Product: Debt collection

I have a victim of identity dei have but notified of lawsuits pendant and outstanding debt that is not mine I have corrected this with several companies but XXXX XXXX XXXX  has summons me with lawsuit paper of with a default judgment was granted due to me know being educated and on giving aple time to prepare for my case I have no knowledge of said company and have requested Jefferson capital to send me proof of debt which the refuse to send causing the end result of said lawsuit to be rendered in there favor