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

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

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest balance {$8200.00} Terms 1 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint regarding identity theft. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days of receiving the following : ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is unrelated to any transactions by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXXBalance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$800.00} ; I XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NC, XXXX EMPLOYER - XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I signed up for and was approved for an HSBC 'Premier ' checking account and the terms of this account stated that HSBC would provide a {$750.00} bonus. HSBC is refusing to pay the bonus even though I fulfilled all the terms per their terms and conditions.

The bonus terms required that I make at least {$5000.00} in direct deposits per month for 3 consecutive months beginning the 2nd month after account opening. I qualified for the bonus by fulfilling the following direct deposits sent from my employer : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} I then waited 8 weeks from XX/XX/XXXX which concluded end of XX/XX/XXXX. I have followed up with HSBC 8 times via secure message and 3 times via the phone and almost every time the representative says that they need to send the issue to a separate team to investigate. However, on the attached message from XX/XX/XXXX the representative agrees that I did qualify. I still have not received the bonus.
Product: Credit reporting

I opened a  JC Penny credit card at a JCP store  on   XXXX   XXXX    , at that time they did not tell me that card had a anual fee. Then I left for another country for  XXXX  years. When I came back, I was informed I owed the card {$130.00} annual fee. It was really unfair but I  paid it off. Finally I found this had been recorded in my credit history. It is not my false. JCP has the cheating behavior. I want to remove this charge off record from my credit history.
Product: Credit reporting or other personal consumer reports

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 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
Product: Bank account or service

Saturday, XX/XX/2016 at XXXX, on my way to work - after paying off a credit card, I decided although I felt a little worried about it, to deposit l large amount of money via USbank ATM machine. My total was approx. {$1900.00}. After sticking in my ATM card, plugging in my pin, gathering my faced cash, and depositing into machine- I sat there while the ATM processed my transaction for about half a minute. I knew something was wrong because it never usually takes that long- regardless of amount. Suddenly, without all of its usual prompts ( would you like to make another transaction? A detailed summary of a break down of the bills ), the machine spits out my card and approx. {$100.00}. Hoping the other {$1800.00} got counted into my account, I put my card back in. NOTHING! I deposited the {$100.00} and thought maybe, just maybe the ATM would register the other part of my transaction, but no. 

What is sad is that this machine has ripped me off for XXXX bucks without my knowing once before. I did n't notice, but received an apology letter on behalf of USBANK. And again, for {$40.00}, which I had disputed, but never persued. But this is intense, this is n't just pocket money. I used XXXX, {$100.00} bills, XXXX {$20.00}, XXXX {$5.00}, XXXX $ XXXX. I thought that because maybe if there was n't an array of various cash, that it would be okay. My deposits are usually chaotic, different bills, in no order. I was sure that facing, putting them in order, and straight would get it right. 

I could n't be more wrong. 

I immediately called their customer service to file a dispute. I spent an hour on the phone with a representative ( XXXX minutes into my work shift!!!! ). 

I 'm filing a complaint because this is the THIRD time this machine has miscounted and malfunctioned. This is obviously my last time using a machine for an " easy, on the go '' Deposit. Today, Monday XX/XX/XXXX, I was at the USBANK right at XXXX when they opened. I spoke with a manger about it. He had ZERO regard that my account is about to overdraw, checks are about to bounce, and it 's ALL BECAUSE OF THEIR MACHINE. Like I said, this was n't pocket change. It 's {$1800.00}!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was wrongful repossessed by Westlake financial in XX/XX/2017. I was under the impression that I had paid off all my principal debt for my car. I was told a specific amount to pay by their collection agent and I paid that amount using my debt card in XX/XX/2017. The agent told me that I would only have the late charges remaining but I could pay the late charges a little bit at a time, but my car would not be repossessed. 
The day my car was repossessed, Westlake didnt have the information right away. Once they confirmed the repossession, I asked them why and told them they didnt have a right to repossess my car. Thats when they told me I had XXXX left in principle and late charges. I asked them to review the call from the agent but they refused. 
I then reached out to their leadership but they were very little help ; the complaint mangers response time to my emails was horrible. It took the manager days to response and when she did, she offer very little information or assistance. 
After I realized Westlake was not going to give back my car, I asked for a settlement to help with the charges. Westlake agreed to accept less but said it had to be approved by a manager. I waited over 5 days for a decision only to be told, they could not accept because my car was worth more than the settlement and they could get the full balance if they sold my car at auction. I was shocked and disgusted that this rep was telling me this. I feel this is unfair treatment, had I not had equity in my car Westlake would have been more than happy to accept less. And again I mention Westlake offered me the settlement. 
Now I have repossession on my CBR and I feel it is wrongful reported. I did not receive a letter of default or stating my car was in jeopardy of being repossessed. I want the repossession removed and I still have not received my title for my unit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a number of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXAccount # XXXX,XX/XX/XXXX XX/XX/XXXX Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XX/XX/XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A copy of my ID is attached. My last CFPB complaint was XX/XX/XXXX and you the credit bureau has taken more than 30 days and you hit me with another stall tactic. Rights has been violated left and right. Here is my complaint once again. 

I have sent a total of 16 letters between XXXX, Transunion, XXXX, XXXX XXXX and XXXX XXXX XXXX collection agency with proof of unfair inaccurate reporting they are doing to my consumer credit report. Each time my dispute comes back verified, or Ig get no response at all, which I do not see how when there are so many missing data fields, dates and remarks not the same on my reports. My question is if the company keeps updating the account then shouldn't the account have the same information since by law they have to update all of the bureaus/ agencies with the update? So now it comes down to me calling them out for unfairly adding the accounts to my credit report in the first place. 15 US.C. 1681 SECTION 602 A, SAYS I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SAYS A CONSUMER REPORTING AGENCY CAN'T FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT. I XXXX XXXX have never gave XXXX, XXXX, TRANSUIN, XXXX XXXX, OR XXXX XXXX XXXX MY WRITTEN CONSTENT TO ADD THE ACCOUNTS TO MY CREDIT REPORT AND DEMAND THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( XXXX ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the XXXX who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.
Product: Credit card or prepaid card

I have had a prepaid account with this company for more that 5 years, I have never had an issue until, someone tried to steal money from out of my account.. The company placed a fraud hold on my account holding up the money that was stolen and my direct deposit.. My card was canceled so I am unable to access any of my paycheck. THis happened on X/X/17. I have been going round and round with this company to release my money. I have changed my banking information so future checks will never go into this account=, However every rep that I speak to tells me the same thing and still I have not gotten any closer to getting my money. I was told to send a dispute form in, Did that, I was told to write a letter asking for my account to be closed, did that .. Each time I call they tell me to wait another 7-10 days.. THis is my paycheck.. I live check to check.., This issue has caused me to lose my car, because I was suppose to make payment on it ... My rent is late,, MY electric I have to borrow money to pay that, My car insurance is lapsed, my gas, cell phone and water is now late/ ... I have credit card bills coming up.. All I want is this company to send my money that is MINE to me ... I keep being told 7-10 days just to wait on my own personal money.. I asked if the money could be wired into my Credit union account and I was told no.. I can not afford to wait any longer.. I have no food, no way to get back and forth to work and I keep being told 7-10 days.. Each person I speak with english is not a primary language, so the next barrier is understanding these customer service reps. Each call I 'm on hold 20 minutes to an hour and I spend at least 2 hours on the phone with little to no results. I WILL NEVER DO BUSINESS WITH THIS COMPANY AGAIN ... .. Worse procedures for theft or fraud ever.. this company has set me so far back on my bills. Today I have spoken with a supervisor name XXXX.. WHo just told me I needed to wait another 7-10 Business days for a CBR that was on X/XX/17 at XXXX HE mentioned that whoever i spoke with before did not do what they was suppose to do,,, SO now I still have to wait even longer. THe intinal complaint was sent on X/X/17 and another sent on *X/XX/17
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file o
f a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Vehicle loan or lease

At the end of my lease i called to have my in person inspection done. They explained that they were not doing inspections due to COVID but i could drop my automobile off at the dealership. I dropped the vehicle off and that was the end of it until i got a bill for new tires. I had just put new tries on the vehicle. Apparently they were not the right speed ratio. I called and explained that due to not having an in person inspection i was never able to rectify the situation. I said well if i have to pay for new tires then i would like the tires that i put on the vehicle. They told be the tires i had put on were sold with the car. The bill for the new tires they are charging me are {$600.00}. My question is why am i paying for new tires when the others were sold with the vehicle? I feel i should have been able to take care of the matter when it was inspected but was never given the option.
Product: Checking or savings account

They over drafted me in XXXX of 2023 of my direct deposit of over {$1500.00}, bills came off and over drafted me farther in over draft and late fees on my bills. When they fixed it and put my direct deposit back in I was still over drafted XXXX $ in late fees from my bills that came off. I argued with them and they refused to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get credit profile with Equifax. Credit profile establish with XXXX and XXXX