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

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

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I purchased a piece of furniture from XXXX XXXX stores. I have their credit card, which is through Synchrony Bank. Their policy is if you find something cheaper within 30 days of your purchase, they will honor it. XXXX did not honor it. I talked to the credit card, and they put in a dispute and an investigation. Synchrony Bank told me they would call within XXXX to 90 days or send a letter to let me know any information they XXXX have the item being less expensive. I did not hear from them. I called them to find out what was going on. They told me that they could not get XXXX to agree to honor the price. I told him I never received a letter or a phone call from Synchrony to let me know to start paying again. At that point, I started paying again on the terms that there was no interest for XXXX year. Because when I purchased the item from XXXX, there was a promotion which is stated on the first bill no interest for XXXX year if paid in full within 12 months. I paid in full at the correct timeframe. During the course of of the year I spoke to about XXXX customer service representatives from Synchrony. More than for them told me that transaction was coded wrong. Thats why they started charging me interest. I shouldve never been charged interest at all. They said they were going to code it correctly, and they never did. They have not stopped calling me for weeks now. They also put the transaction on my credit report which is completely incorrect. I dont know what to do. At this point Ive paid my bill in full at the exact time I was supposed to pay it with no interest. Otherwise I would never have purchased for furniture from XXXX if there was interest. I have purchased many things from XXXX and it was always on a promotion basis and never paid interest when buying furniture. This has been an ongoing situation, and I feel very harassed by all the phone calls, and the fact that the credit card company wont resolve this when they coded it wrong. I would just like this to be settled.
Product: Money transfer, virtual currency, or money service

I used XXXX XXXX XXXX XXXX to send XXXX USD to a Korean bank on XX/XX/XXXX. XXXX used Bank of America to send money to XXXX, however over a few weeks, Bank of America didn't even update anything and had been holding the money without any updates. And finally, after a few requests, they said the recipient 's name is matched with XXXX of the names on the sanction list so it is in compliance. XXXX and I provided more information regarding the recipient, however over XXXX weeks, Bank of America hasn't even done anything, and we finally requested for retracting the wire a week ago, and still no answer. 
It is very frustrating since I am dealing with time-sensitive issues, and I can not even get updates on what is going on. XXXX XXXX XXXX and I did everything we could do and now the fact that just retracting the money is taking a few weeks is egregious. This has been really impacting my family 's major life events. 
Bank Of America should know better about its responsibilities as a financial institution and acknowledge its actions really impacting people 's daily life.
Product: Debt collection

Unfortunately, my vehicle was stolen in XXXX and again in XXXX. To make matters worse, my wallet was inside the vehicle at the time, which contained my Social Security card, driver 's license, and passport. 

As a result of this unfortunate event, I have become a victim of identity theft. Unauthorized individuals have opened multiple accounts and undertaken various activities under my name without my consent or knowledge. I am extremely concerned about the potential consequences and implications of this situation. 

I urge you to take immediate action to address this matter and provide any necessary assistance. I kindly request that you freeze any accounts associated with my name and take appropriate measures to prevent further unauthorized activities. Additionally, please let me know if there is any documentation or evidence required from my end to rectify this situation promptly. 

Furthermore, I would greatly appreciate if you could share any recommended steps or procedures, I should follow to mitigate the damages caused by identity theft. Any guidance or support you can provide in this matter would be invaluable to me. 

I understand that dealing with cases of identity theft can be complex and time-consuming, but I truly hope for your swift action and utmost attention to this matter. I trust in your expertise and ability to handle such situations efficiently. 

Your immediate attention to this matter is of the utmost importance to me. Please acknowledge the receipt of this email and indicate the steps you have taken to address the identity theft and unauthorized activities. 

Thank you for your understanding and cooperation. I eagerly await your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I noticed several unauthorised inquiry on my credit report. I sent a letter of investigation to Equifax to investigate it and provide me proof because this hard inquiries was not made by me. And I did not authorize anyone to place such inquiry on my report. I requested that if they can not provide a valid proof with my signature on it, they should remove the hard inquiry. I did not hear from Equifax. Equifax never responded to my query and I sent another letter twice without any response. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX. 

But after some months, Equifax sent me an online message without any proof of investigation stating it was verified. They never provided me with any proof with my signature on it as required by the law. The hard inquiry has hurt my ability to obtain credit at a fair rate and cause me financial hardship with high interest. I personally contacted XXXX XXXX  and they sent me a letter that they will remove the hard inquiry, but till date they never removed the unauthorized inquiry even after they have sent me a letter that they know it was a fraudulent inquiry.
Product: Debt collection

On XXXX XXXX, XXXX XXXX XXXX, XXXX placed a new collection debt on my credit report to all 3 credit bureaus ' without properly notifying me. The amount of the debt is showing {$3700.00} and the original collector was XXXX XXXX. Since then, the debit has been updated on my report XX/XX/2018.
Product: Bank account or service

I receive monthly benefits from S.S.I. XXXX. On the first of each month my benefit payment is put on a debit card in the amount of {$730.00} via a Comerica Bank Direct Express Mastercard debit card. On XXXX XXXX, 2016 I discovered that my balance on the card was only {$140.00}. I only used my card to make a purchase on XXXX XXXX, 2016 for about {$15.00}. As soon as I discovered that several hundred dollars was missing from my account I called the phone number on my Direct Express Mastercard to report that my funds were not in my account. It took me over two hours of waiting on hold and repeatedly getting hung up on before I was able to contact the Comerica Bank Direct Express fraud line. I reported to them finally that my money had been robbed from my account. They informed me that someone in Florida had withdrawn several hundred dollars from my account at an ATM at a XXXX store. I live in XXXX XXXX XXXX and have not been to XXXX. I ask the fraud line to hold off on cancelling my card till I could go to a Comerica Bank ATM where I was able to withdraw {$140.00} of my {$140.00} balance. Even though I used a Comerica Bank ATM I discovered they still charged me a {$3.00} fee for using their ATM. After much difficultity and a long wait on the phone attempting to call Comerica Bank back to cancel my card. They told me that within ten days they would mail me a fraud form that I would have to fill out and mail back to them and then they could conduct a fraud investigation that would take up to 45 days before I could get my SSI XXXX funds refunded to my account. Today is XXXX XXXX, 2016 and I have not yet received the form they promised to send me to start the process to get the money stolen from me back. On XXXX XXXX, 2016 I opened my own direct deposit bank account with another bank since evidently the Comerica Bank Direct Express system is not secure and due to a fraudulent breach of their data base my money was stolen from me. I have only used my card to either make ATM withdraws or to make purchases at the store and to pay utility bills. I have never used my card to make any purchases online nor used it in anyway to put the security of my card at risk of theft. As a consequence of my money being stolen from my Comerica Bank Direct Express account I have not been able to pay my bills and have suffered serious financial hardship and had to lean on family members and friends just to eat and try to get by without the money from my SSI XXXX in the month of XXXX 2016.
Product: Credit reporting or other personal consumer reports

I was notified on XX/XX/2023, by Mohela that my student loans had been forgiven. I visited my Mohela online student loan account and the balance had been reduced to {$0.00} and status updated to paid off. 

I have been waiting for 4 months to see if the student loan balance would come off any of my credit reports. It has not. 

I contacted Mohela by email onXX/XX/2023. They responded today ( XXXX XXXX ) with a " blanket '' statement saying that they update credit bureau information monthly. However, that can not be otherwise the student loans would be off my report back in XXXX or XXXX and they are still on my report. 

I was told that I should wait three months to give it time to resolve. However, as of XXXX and more than 4 months, the student loans are still listed on my credit reports with the old outstanding balandce.
Product: Credit reporting or other personal consumer reports

AMEX HAS XXXX INQUIRES ON MY CREDIT PROFILE. I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. THIS IS FRAUDULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.
Product: Prepaid card

I have an american express egift card and it is being declined everywhere I try to use it online. I called American Express and their suggestion was to just keep trying. I have tried everything - loading into my apple wallet, trying to use it in person, and at various retailers online. All without any success. The value of the gift card is XXXX.
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 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint goes to company name Fnb Omaha .I discovered this account on my credit report.Account was opened fraudulently i've sent in FTC report and copy of my driver license to credit bureaus to block this incorrect information from my credit report.The creditor is showing late payments on time payments.I never made a single payment for this account i want the creditor to share the information the account routing number with credit bureaus and CFPB and i want them to call the bank the account and routing number the payments are made from and verify if it belongs to me i got a chance of talking to creditor they have wrong address on their file wrong date of birth. 
FNB OMAHA Account number XXXX
Product: Mortgage

PHH Mortgage is harassing me based on past complaints. I have communicated to them the update of upcoming repairs per my insurance company. There are multiple storms in XXXX so it is limited resources to complete the work. I communicated to them that I am on the list where appointments are out to 3 to 6 months. I have communicated to them there is missing payments from Insurance. Also, I am engaged with a lawyer due to violations of my rights under the Fair Debt Laws.
Product: Credit card or prepaid card

I contacted the company to ask why interest is still being accrued on a credit card account that was closed and sent to their collections department. 

I was told because a balance was still with their credit card. The manager told me they sent a letter to me but confirmed that it was the wrong address. I called them to change my address before the account was even closed, so I am not sure why the letter was sent to the wrong address. 

She couldn't give me specifics on collections protocol so she instead she transferred me to the collections department. The representative began speaking with me about my account. The representative did not provide the FDCPA Miranda verbal notice in spite of me asking if he is a debt collector. Towards the end of the conversation the representative informed me that he did not have to provide the FDCPA Miranda verbal notice because he did call me ( since I was transferred over there ) and that he was assisting another department. 

Ultimately the issue wasn't never resolved and I was confused that the collections department didn't provide the proper FDCPA Miranda notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im complaining because when I first tried to get my credit score together I was XXXX XXXX XXXX, while being XXXX I have tried to make payments and inquires on my own but some of my inquiries doesnt involves me. I tried getting them removed but it says it takes 2 years or max 6 years to complete withdraw them. Some of my credit history I dont approve of is - XXXX XXXX XXXX ( XX/XX/2022 ) - XXXX XXXX XXXXXXXX  ( XX/XX/2022 ) - XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) as you can see their all 1 month apart please help get this off my credit I can not do anything with my life because I have a horrible background & Im only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Prepaid card

My card and funds was stolen and I filed a dispute with XXXX XXXX XX/XX/year>. I was told I had to write a letter to be granted a provisional credit while an investigation is conducted. Im writing this complaint before I submit letter so this claim could be governed for constructive fraud. I dont feel my claim will be investigated in a due process manner.
Product: Payday loan, title loan, or personal loan

with all do respect I don't agree with that. 

I, as a consumer per law am not supposed to be denied for any credit. 
I was denied by you all every year even when my credit was higher, so this is discrimination and I refused to be discriminated against anymore. 

So I appreciate your input but I will be contacting the credit bureaus and the higher authorities to get this resolved. 

So right now you unless you all approve me for a loan that I ( legally am obligated too ), you all are gon na get investigated by the government, better business bureaus and the attorney general. You all arent the only creditors i'm coming after Thank you! 

Please forward this to corporate XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had two fraudulent transactions charged through Paypal for apple giftcards which used my card through my XXXX XXXX XXXX XXXX bank for the amounts of {$10.00} and {$21.00}. 

There are several exploits which is why I imagine so many scammers are openly doing it, but my main issue is with the fact Paypal provides absolutely no way to get into your account to report the fraud or contact anyone in the company while the scammer is actively submitting more transactions on an individuals card. 

Attached are images of me attempting to log on via computer ( 2 different browsers ) and via the phone application, I tried 2 working phone numbers and even did their photo ID verification, all of which led to an error message " we are having trouble verifying your account ''. 

It should be illegal to have any kind of financial service that can not allow you to report fraud that is actively being done. I ended up having to cancel my debit card through my bank, which took hours to do. 

There are an overwhelming amount of disputes similar to mine yet PayPal has done nothing to fix the issue. A company like this should not be allowed to operate and expose consumers to such preventable and exploitative practice.
Product: Credit reporting or other personal consumer reports

Im not sure whats going on with my report, however, all information continues to reappear after a dispute was made. My identity have been compromised.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # a which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Inquiry Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

XXXX XXXX XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please delete immediately! 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these inquiries must be removed within 4 Business Days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit card was used and my account were taken over by someone that stole my identity. 
XXXX bill was put in my name without my knowledge amount {$450.00} in 2019