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

I am writing to bring to your attention a serious violation of my privacy rights by XXXX XXXX XXXX, a matter that falls under the purview of the Privacy Act of 1974 ( 5 USC 552a ). I believe the bank 's actions not only contravene the provisions of the Privacy Act but also implicate additional federal regulations, including 5 USC 552b, 16 CFR 313.7, 12 CFR 1016.1, and others, thereby necessitating your intervention and investigation. 

The specific instances of XXXXXXXX XXXX XXXX  's non-compliance with the aforementioned statutes and regulations are as follows : 5 USC 552a - Privacy Act of 1974 : XXXX XXXXXXXX XXXX  has failed to uphold the principles outlined in the Privacy Act of 1974. Despite the Act 's explicit provisions requiring financial institutions to safeguard and protect the confidentiality of individuals ' personal information, the bank 's actions have resulted in a breach of my privacy rights. I hereby request a thorough investigation into the bank 's practices in this regard. 

5 USC 552b - Freedom of Information Act ( FOIA ) : I believe that XXXX XXXXXXXX XXXX has not adhered to the provisions of 5 USC 552b, which govern the disclosure of information and records. It appears that the bank may have disclosed sensitive information without proper authorization, thus violating the requirements of transparency and accountability outlined in this statute.

16 CFR 313.7 - Privacy of Consumer Financial Information : The bank 's conduct may also fall under the scope of 16 CFR 313.7, which pertains to the privacy of consumer financial information. If XXXX XXXX XXXX  has failed to comply with the requirements of this regulation, it further strengthens my case against the institution for the improper handling of my personal financial data. 

12 CFR 1016.1 - Privacy of Consumer Financial Information - Standards for Safeguarding Customer Information : XXXX XXXX XXXX XXXX failure to adhere to the standards set forth in 12 CFR 1016.1, which outlines the requirements for safeguarding customer information, raises additional concerns regarding the bank 's data protection practices. 

I kindly request that the Consumer Financial Protection Bureau undertake a comprehensive investigation into these matters, considering the gravity of the violations and the potential harm caused by the bank 's actions. Furthermore, I urge the Bureau to take appropriate enforcement actions to ensure that XXXXXXXX XXXX XXXX  rectifies its non-compliance with federal privacy laws. 

Enclosed with this letter, please find supporting documentation, including any relevant correspondence with XXXX XXXX XXXX that may assist in your investigation.
Product: Credit reporting or other personal consumer reports

I've spoken with two representatives and told them to remove EVERY address except my current address. The other addresses are NON-MAILABLE addresses and they are all incorrect. I've asked them to remove ALL phone numbers except my current number. I was told this would be done and it has not been taken care of. I've told them to remove inquiries on my report/s because they were not authorized. I do not approve of or authorize the sharing of my supposed credit history and my personal information. I am going to pursue this legally but this is my second step in seeking remedy. My credit score should be at least a XXXX. Any charge-offs are considered XXXX and this is considered income and should not be on my report. I'm building a case. XXXX, Transunion, XXXX. They're all on notice. My name is copyrighted, they are infringing on my copyright. They are in dishonor.
Product: Debt collection

DEBT RECOVERY SOLUTIONS is attempting to collect a debt that I do not owe them. They illegally purchased my information from XXXX. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with DEBT RECOVERY SOLUTIONS them and XXXX are in violation of 15 usc 1681 and 15 usc 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to XXXX collection account sold to XXXX XXXX account number ( XXXX ) in the amount of {$680.00}, as 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, The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX  : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXXXXXX, XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Equifax : XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

Here are a few credit inquires on my report that I do not recognized : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 this inquires was reported on my credit report without my permission and was not authorized by me.
Product: Credit reporting or other personal consumer reports

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible
Product: Credit reporting or other personal consumer reports

I applied for credit cards and other loans that I was told by Credit Karma that I was already pre-approved for back in XX/XX/XXXX and XX/XX/XXXX. This cause my credit score to take a significant drop and I denied for home, car and even school loans. This affected me mentally to the point I had to seek help from my mental health specialist and I spend years correcting this mistake. I filed complaints with the FTC and the XXXX for these companies who have hard inquires on my report.
Product: Checking or savings account

In XXXX, I opened three business accounts with Bank of America. I was told I would be able to transfer money between the three accounts, etc. The issues I have with them are : 1 ) The very first check I deposited into one of the accounts, they held the funds for 10 days, telling me that it was customary because my account is new, and that they were getting information from my customer 's bank that the check may bounce. 

2 ) The second check I deposited, they also held for over a week. 

3 ) I could not, and still can not, transfer any funds between my three accounts. When I try to do so, the bank says I don't have any accounts to transfer between. When I tried to set up one of the accounts as another BoA account to transfer to, the message is that I am the owner of the other account, so I can not do that. So, I wrote a check from one of the accounts to transfer funds to another. I was then told the funds would be held for 8 days, because they are getting info that " the check may be returned!!!!! '' This, despite the fact that I am staring at the money in my account, and they have already initiated the deduction from the payment account. 

I have had many bank accounts in XXXX, and I have NEVER ever had any bank not provide service it claims to provide, and a bank that holds on to my funds for over a week every time. 

I believe that I am being discriminated against, because I am an XXXX. I can not imagine what other reason there would be to hold my funds for well over a week. Can it possibly take that long to clear a check? And how can a bank say my own check could be bounced ( which makes their first message that my customer 's check could bounce, very suspect ). I would like to know why the bank gets away with holding on to my money for no reason, and why the bank can disallow me from transferring funds between my own accounts. 

I have emailed my " relationship manager '' multiple times to complain about this, but she has not bothered to respond to my emails.
Product: Credit reporting

I have sent copies of documentation that I have had the same STUDENT LOAN since 1990. It 's just that my student loan has been bought by other Banks and Consolidated. 

I am requesting that my loan be registered of having the LOAN since 1990 from its original date that is started since its still the same loan just being bought out and merged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.
Product: Credit reporting or other personal consumer reports

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

I was getting my unemployment refund with us bank card services my money was coming to this bank bank number isXXXX Us Bank relia Card
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an issue with the reporting of my XXXX credit card account in my credit report. The debt for this account was charged off and subsequently sold to XXXX XXXXXXXX XXXX I paid the debt in full, and XXXX XXXX XXXX confirmed in writing that they would not furnish this information to the credit bureaus. 

Despite this, XXXX is still furnishing inaccurate information on my credit report, listing the account as a " paid charge off. '' I have disputed this information multiple times with both XXXX and the credit bureaus, but the issue has not been resolved. 

XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers to investigate disputed information and report the results to the credit reporting agencies. 

Also XXXX sold the debt to the debt collector who was not even licensed to collect that debt in the state of Nebraska. Which is another FCRA and FDCPA violation. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the inaccurate XXXX account is removed from my credit report permanently. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you guys to remove these inquiries that was placed fraudulently on my credit report because it is hurting my credit score. 

Acc name : XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX  XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX XXXX inquiry date : XX/XX/XXXX Thanks in advance
Product: Credit reporting or other personal consumer reports

I have continually contacted XXXX, XXXX and Transunion about the addresses that are showing on my credit report are not my addresses. XXXX XXXX XXXX XXXX, TX XXXX and po box XXXX XXXX, TX XXXX have never been my addresses. My current mailing addresses are XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. I have had XXXX XXXX XXXX for over 5 years. XXXX keeps stating that the company contacted the Office of the Attorney General of Texas and they are the ones who gave them XXXX XXXX XXXX and XXXX. It is wrong. Those are not my addresses. The XXXX XXXX XXXX has repeatedly had to put mail sent to XXXX XXXX XXXX and XXXX with my name on it into my box which is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX 2 LATE PAYMENTS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$200.00} It's normal for the credit card balance you see on your credit report to be different than the one on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status Open. Status updated XX/XX/XXXX Highest balance {$2300.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address po box XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Dispute this account CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I have no knowledge of them, and the company did them without my permission.
Product: Debt collection

I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, ( RESURGENT/LVNV FUNDING ) and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company, as well as the original creditor which is XXXX XXXX XXXX I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.
Product: Debt collection

I served the country for 8 years XXXX During my XXXX tour I had an apartment at XXXX XXXX before I started my tour. My former wife and I had many problems with her spending and destroying my credit. Well before my tour we separated and I informed my apartment complex I will no longer be their and would like to take myself off the lease. While touring they sent information that I signed confirming I would not be held accountable. After my ex wife left the apartment while still touring, they reported an unpaid balance and extreme interior damage to the place. I should not be held accountable for her lack of professionalism, unpaid balance or damages.
Product: Checking or savings account

Hi my friends! 
I deposited a check of {$1600.00} on my business account on XX/XX/2021. For some reason showed up in my account only {$16.00}. They say it was because the ATM red {$16.00} and I pressed the green big confirmation button with {$16.00}. This is impossible, there is a big difference between the two amounts. They gave me a complaint number XXXX and 10 business days to resolve the problem. I needed my money right away. it is a very small business. They say I have to wait. It is not fair. This missing money has affected me a lot. I am at least 10 years customer, however, there is always an issue. One behind another. 

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

I check my credit report and notice some things that shows inaccurate information. These accounts are stopping me from getting a loan approval. The account listed below should be deleted on my Credit report. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Would appreciate you helping me here. Thank you. 



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

I made a report about XXXX XXXX yesterday, and today the credit union got back to me, please consider this case with XXXX XXXX  closed.
Product: Checking or savings account

Affirm has frozen my account and will not unfreeze it. All my money can not be accessed. I have emailed called and had multiple back and forth but no resolution. This has been going on for 9 months. I do not have access to my money and they will not resolve it.
Product: Credit card or prepaid card

The company " XXXX XXXXk '' for XXXX XXXX, sent me a bill as stated in my previous complaint after I paid my balance in full. They billed me for interest charges on a XXXX dollar balance. They stated in their response to the consumer protection bureau that as a " courtesy '' they would reverse the erroneous charges and remove the inaccurate date from my credit report, which was a lie. They did not remove anything from my credit report ; and to add insult to injury, they are now trying to bill me almost double the original amount. I received a bill for {$71.00}. Please investigate. This company is unethical and engaging in fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Services is reporting a few lates on my credit file. The lates are from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. I keep having this issue with your online system and i am not notified about the payment not going through until the account is marked late on my credit file. I need these lates removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX, XXXX ACCT # XXXX, and XXXX XXXXE XXXX ACCT # 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 or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishes, accepting unreliable responses.