23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint regarding the mishandling of highly sensitive personal information by Bounce AI , Inc., a company that I recently had an interaction with. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I received an email communication from Bounce AI , Inc . The email contained highly confidential and sensitive personal information, specifically a Social Security number. This transmission of sensitive data via unsecured email raised significant concerns regarding data security and privacy practices. 

The email communication did not employ adequate encryption or security measures to protect the confidentiality of the Social Security number. This action raises questions about Bounce AI 's adherence to standard security practices for handling such sensitive information. 

I am deeply concerned about the potential risks associated with the mishandling of this sensitive data. Transmitting highly confidential information via an unsecured medium, such as email, raises serious privacy and security concerns. 

This incident has prompted me to file a complaint to address the mishandling of sensitive personal information, particularly the transmission of a Social Security number via an unsecured email communication method by Bounce AI , Inc . 

Company Details : Bounce AI , Inc . 

Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urge the relevant authorities to investigate this matter thoroughly to ensure the protection of consumer privacy and data security. It is crucial to address this mishandling of sensitive information and take appropriate action to prevent such incidents in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian fails to indemify identity theft accounts by placing a block on those accounts in accordance to the FCRA section 605 ( b )
Product: Debt collection

XXXX XXXX agency was contacted about a {$590.00} medical debt that was explained that the debt was not true. It was expressed and explained that debt was covered by Insurance and therefore was not a debt to be collected nor was it accepted as my personal debt. Company never verified and did not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting double accounts credit reporting agency did not verify that is trying to be collected under 2 different accounts Not reporting accounts being sold nor reporting account XXXX balance once sold. Last date of payment untrue. Will not provide proof of any verification of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX alerted me to a " hard '' credit inquiry that took place on TransUnion. When I investigated, I saw that it came from XXXX XXXX XXXX. I did not apply for a new account with any company, including XXXX XXXX. 

I just received a letter in the mail from XXXX XXXX ( XX/XX/XXXX ) that is dated XX/XX/XXXX. As stated in second paragraph, " This letter serves to notify you that the approval of your application for a XXXX XXXX XXXX credit card has been reversed and your account will not be opened because the Program Fee was returned unpaid. '' I'm thankful the account wasn't opened, but need to report the fraudulent activity. I'm not sure what other steps to take to prevent this from happening again. If someone has my information to try to open an account, it's only a matter of time before they try it again.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX - XXXX The negative information displayed above has not been verified to be in compliance with reporting standards. It has not been confirmed to be accurate, complete, timely, and validated. As per applicable consumer laws, you are required to provide documented proof of compliance with reporting standards. The information provided is deficient, and I demand that any imperfect, inaccurate, incomplete, and unverified information be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging, systematic, such as failing to forward consumer provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure aligns with with my experience, where Experian has neither corrected nor removed despite the evidence I have provided. I am requesting immediate corrective action to have these items removed from my credit report, as Experians inaction violates federal law and my rights as a consumer.
Product: Bank account or service

Opened a Citibank account on XX/XX/2016 under a promotion of receiving {$400.00} for depositing {$15000.00} within 30 days and keeping it there for 30 days. I opened the account online through a promotional page for the offer. Deposited {$15000.00} on XX/XX/2016. The terms stated that I would receive the bonus 90 days after completing the requirements. I called on XX/XX/2016 about the status of my bonus and was told that I should receive it on my next statement. However I did not receive the bonus on my XX/XX/XXXX statement. I called and they refused to give the bonus and say they need to perform research. There are clear systematic inconsistencies with their account opening process as evidence by the large number of CFPB complaints for this same problem.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time At this time i would like to continue to
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Checking or savings account

I signed up for a Bank of America checking account in XX/XX/2022 and used a promo code to obtain a promotion offer ( bonus ) to be paid after completing the various requirements. 

Those requirements were completed and the promotional offer ( bonus ) has not been received to my account. A phone representative was unable to help me on the matter and suggested make an appointment at my nearest branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a job offer on XX/XX/XXXX with company XXXX on hired a background check company to run a background check Company is Sterling. 
XXXX moved me to the next stage and I attended a XXXX  on XX/XX/XXXX congratulations on new job telling me start date is XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX saying offer is withdrawn due to background check. I called Sterling and was told by the employee on XX/XX/XXXX XXXX ordered a 7 year criminal report sex offender report and drug test. I was told XXXX had a plan that was for only 7 years. Sterling reported info past 7 years which caused the employer to withdraw the job offer that I accepted. I called Sterling again on XX/XX/XXXX I was told by another employee. I can not dispute the report. Sterling not the employer notified me of adverse action. I was notified by an email my job offer was no longer available.
Product: Credit reporting or other personal consumer reports

There must be a mistake in how or what XXXX XXXX reported to the credit bureaus as a result of their investigation. 

This XXXX account that I disputed was paid off ( {$54.00} ) as of XX/XX/XXXX. Prior to my filing of the dispute with CFPB, this account showed XXXX ( Closed ) as of XX/XX/XXXX in the credit report. 

After my call on XX/XX/XXXX with a XXXX XXXX employee and her email regarding the same, this XXXX account now shows as CO ( XXXX XXXX ) in the credit report. I understand that XXXX XXXX has nothing to do with how the credit bureaus do their jobs as their email clearly states. But the timing of the XXXX XXXX investigation results on XX/XX/XXXX and the updates on my credit report as of today ( XX/XX/XXXX ) shows that the XXXX XXXX report informed the change from XXXX to XXXX This is erroneous and unfair to me as a consumer. By definitionXXXX XXXX  is unpaid debt but XXXX  continues to show in my report ( again, after this XXXX XXXX investigation ) even if I already paid off this account ( {$54.00} )!
Product: Checking or savings account

This issue is concerning several transactions that have been made. My main concern is that the reordering of deposits and transactions has caused me to lose hundreds of dollars. For example, when I deposit funds to cover future charges I experience a loss of funds. In this case, I had XXXX in one account. I transferred XXXX in another account to raise the account to take a taxi from XXXX. I had XXXX in the account. The ride cost me XXXX. I should have had XXXX as a balance. I then added XXXX to cover more taxi expenses. At time these deposits and transfers were made there was enough to cover my expenses on XX/XX/19. 

On XX/XX/19, I added funds to cover as well XXXX plus what was left in the account. In all of my deposits, they covered all of my expenses. There was no outstanding debts to the bank. I deposited a check for XXXX and now I'm in a negative status? This is what the bank does and has done to me for years. 

I'm losing funds. The bank registered that I had XXXX and when I reentered the online banking page via app I read that I've XXXX cents. I'm going to cancel my accounts because this is ridiculous. I'm a XXXX patient and rely on my funds when I check my accounts I find that they are always taking from me. My money is counted for. This should not be the case. 

Second issue was that my account was used to replenish funds for another personal account without my authorization. When I called a customer service representative admitted that the feature to take funds from one to replenish another was not something I opted for. The bank mismanages my accounts and seems to think that they can do whatever they desire with my funds. This is a violation of Federal Reserves laws and my rights and freedoms as a consumer. I'm closing my accounts. 

This is truly account abuse. I'm always losing funds. The best way to deal with this is to remove the account. No one really has reached out since my last complaint and when I do the person conducting the investigation always used the excuse that the bank was right and I'm wrong. They never take responsibility for what they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX  Bankruptcy Reference # XXXX ; INQUIRIES : XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

TransUnion IN REGARD TO THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. 
The CFPB found TransUnion the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that TransUnion violated the law by using ineffective systems and flawed processes and excessively deferring to furnishers to address disputes. Specifically, the CFPB found TransUnion harmed consumers by : Failing to thoroughly investigate consumer disputes : Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Sharing inaccurate credit scores and data about consumers with lenders : Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - DEPTEDNELNET. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/17, XXXX/XXXX/17 to DEPTEDNELNET, did not hear back from them on both occasions. XXXX XXXX AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. Nel Net information is fraudulent and inaacruate and that they need to remove DEPTEDNELNET IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX XXXX, AND XXXX or DEPTEDNELNET. As of XXXX/XXXX/17, DEPTEDNELNET is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/2017 so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Product: Credit reporting or other personal consumer reports

Experian has been given 30 days to provide the requested information to validate this debt and and their improper reporting of said debt but has failed to provide the necessary documents to properly validate this debt. It is my request that it be deleted for inaccuracy/fraud immediately from my credit files with Experian. In pursuant of the Federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies I formally request all reporting of this unverified information be removed from my credit report immediately. As Experian is now in violation of the Federal Fair Credit Reporting Act ( FCRA ). This organizations improper use of my credit report has caused substantial damages to remedy may be necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX XXXX****, XXXX XXXX**** , DPT ED/XXXX XXXX**** , DPT ED/XXXX XXXX**** , XXXX XXXX XXXX XXXX**** ,  XXXX XXXX XXXX XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX****,  (Original Creditor: ) XXXX****, XXXX XXXX****, CXXXX XXXX**** , XXXX XXXX****, XXXX XXXX XXXX****
Product: Mortgage

We applied for and received a Trial Period Plan toward a modification from Caliber Home Loans. 
The first payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement. 
The second payment was applied on XX/XX/2016 to the 'Transaction Activity ' on the XX/XX/XXXX statement, and then removed the same day. 
In a letter dated XX/XX/2016, our check was returned. 
We sent a replacement check with a letter on XX/XX/2016 outlining the fact that this check was intended as the second payment on the Trial Period, and requesting this payment be posted XX/XX/2016, the original date it was received. 
Caliber again returned our payment, along with the same form letter. 
Our XX/XX/XXXX payment was received today, XX/XX/XXXX, and we are concerned that Caliber may deny our modification on the basis of late or missing payments. 
All payments were sent by Certified Mail.
Product: Credit reporting or other personal consumer reports

Tried several times to address this issue on my credit and i provided additional information to resolve the issues.