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

on XX/XX/2023 I submitted a dispute with credit reporting agencies to resolve issues of inaccurate information on my report that I asked to be removed. in recent days following that i started to study Section 604 15 U.S. CODE 1681 B, as well as Section 605 A,15 U.S. CODE 1681 C-1 and Section 605 B 15 U.S. CODE 1681 C-2, which to my best understanding explains consumer rights being violated by the reporting companies. because these companies use automated systems which utilizes automated responses there is no human communication. therefore the exchange needed for the purpose of consent and authentication is nonexistent. there is supportive case law in each of the formentioned U.S. laws. I certainly didn't have communications with neither parties prior to this information being reported. therefore i believe my rights as a consumer has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed by XXXX XXXX XXXX account appears on my consumer report I never gave them permission to report to my private property. This account do not belong to me.
Product: Checking or savings account

I've had an account with current for close to a year or more if not longer. account was opened late XXXX/early XXXX. Current first suspended the account in the first few months of XXXX. I don't know the details or the specifics about why they have suspended my account but still gets deposits in the account and it still says it's suspended and under review and it's been saying that for almost a year. They do not give any information as to when they will unsuspend the account they do not answer emails, phone calls or when I tried chatting with them on someone else 's current bank account app. Current suspended the account with money in the account and refuse to release the money to me the account owner or at let me have any access to to any part of the account until I contact you to a lawyer and was going to see them and told them I was going to sue them if they did not release the funds and us has been a account due to US state law saying they can not keep me from an account that I am the owner of. This is the second time they have had the account suspended with funds in it or being deposited it refused to answer any questions or concerns via email phone call or chat. They are being unreasonable and very unprofessional when it comes to this financial matter.
Product: Checking or savings account

We've been with Wise bank for the past 2 years and then in XX/XX/XXXX they asked for a lot of things including personal account statements which I did not provide. After that they shut down the account, I accepted the decision but I need the statements of the past year to complete my bookkeeping, they just don't get back to me anymore after sending a bunch of emails. Could you please contact them in my behalf and try to get all the currency statements for the year 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Company disgusing itself as a local credit union
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 ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. These agencies have failed to do so. 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 XXXX 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 XXXX 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 XXXX, XXXX, ( 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 XXXX 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 XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 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 and 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. ''
Product: Checking or savings account

I believe I maybe eligible for the lawsuit with Wells Fargo. I was an account holder multiple times in different years all ranging from XXXX I was treated unfairly by them and was charged excessive overdraft fees and was told it's all in the contract I signed when I opened the account. I was even charged maintenance fees for a FREE account!
Product: Money transfer, virtual currency, or money service

I would like to express how the zelle handle the dispute.Zelle company have failed to investigate my claims. Leaving the Zelle user to be vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized collections being reported on my credit report by TransUnion. I have already requested that the debt collector associated with this account stop all communication with me, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). This section mandates that once a cease-and-desist request is made, debt collectors must halt all communication with the consumer. Despite this, the debt collector continues to report this account to the credit bureau, which is a clear violation of the law. This constitutes communication under the FDCPA, and the ongoing reporting of this account is negatively affecting my credit score and financial well-being. Furthermore, this situation also breaches the Fair Credit Reporting Act ( FCRA ), as the information being reported is both inaccurate and continues to be included on my credit report even after Ive disputed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX OPENED-DATES DIFFER FROM XXXX, EXPERIAN XXXX XXXX XXXX AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, EXPERIAN & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, EXPERIAN & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX XXXX EXPERIAN & XXXX PAYMENT HISTORY- DIFFER FROM XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Mortgage

RE : Discharged home equity line of credit with BBVA Compass Bank We have an account with BBVA Compass Bank that we have been trying to get some information on. Back in XXXX my ex wife and I filed Chapter XXXX Bankruptcy. The bank chose to NOT reaffirm the loan. Since XXXX we have been attempting to make payments not realizing the loan was n't reaffirmed. We have made multiple calls to BBVA Compass customer service and corporate BUT we CAN NOT get anyone to give us any information regarding the status of our account. Because of the status of that loan, we have to speak directly with someone in the banks bankruptcy department. We have called that department multiples times and CAN NOT speak with a representative. It goes to a voicemail stating someone will call us back. As of today, no one has returned our phone calls. My ex-wife is attempting to refinance our current residence but we are STUCK because we ca n't get the information we need from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to pull my credit report on XXXX XXXX XXXX and on XXXX XXXX  it gives me someone eles email linked to my personal information, my wallet was stolen and I'm locked out of my own information I have provided my police report in the documents below.
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 : XXXXXXXX  Account Number : XXXX Account Name : 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

As coming XXXX of XXXX I want to show that one dictatorship company like Transunion can define my destiny for a better life with unfair and inaccurate information in my report Like our Founding Fathers did to make possible our Freedom, I will make my freedom from Transunion with the consumer bureau As human been and as citizen of this society XXXX Bless America I would like to have the right to sue Transunion in federal court for credit act violations and unfair practices for not removing inaccurate information from my credit report This is my last complain with Transunion Im a person with XXXX XXXX and with XXXX sister and this if we can called Bureau Agency have treat me with the most unfair manners Im willing to send a letter to President Biden of how this agencies of credit bureau treat many people in the USA and how they need to be regulated by the government as XXXX community I want to show how XXXX American communities and XXXX communities we have to struggle with unfair and and inaccurate information in our credit report Maybe because of the lack of resources of lack of information to fight this system seems to be like a dictatorship called Credit bureau As poor proletarian class I called dictatorship because even with all proof they are the ones to at still decided my destiny to be able to rent, to by a car and others even they are wrong affecting my life if is no solution I will show this an example and send it to the White House that this must to be stop all this abuse by the credit bureau thinking that they are the Gods I sent many proof to Transunion by letters not a single response not even telling why I was wrong even I sent all the proof even they are the ones making several credit violation reports After of the proof that I showed to the consumer bureau Transunion keep saying that acceptance now is verified and accurate 1 ) I showed the the last active date were all wrong The with all the credit bureau 2 ) the agreement dont have a signature or any identification of my self and only employees signatures which isnt legal 3 ) I have sent more than probably 20 complains to Transunion about this account and they dont do nothing 4 ) this is a great violation act Transunion is committing and this inaccurate information must be remove immediately 5 ) they are not investigation anything If Transunion was investigation anything why Transunion is showing only one late payment? And neither of the 3 credit bureau match In other words they dont match at all This is completely illegal Transunion have done several violations over and over and over and over and not even if informing me with a single letter about my dispute even I sent several letters The only choice I have today about this abuse because the right word is abuse and violations Transunion have treatment with unfair practices Not going according to the credit act of consumer protection And didnt take off this inaccurate information even with all the physical proofs that I sent Now I will like to have the right to sue Transunion in a federal court
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

In accordance to 15 USC 1692d a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of debt. In this case I am asking that you'll stop sending me emails or you'll will be fine for each violations according to 15 USC 1640 for damages that was done.
Product: Debt collection

This account was added to my credit report without any direct communication to me. I was never notified about this debt, never received a bill, and never had a chance to validate or dispute it. The collection agency sent all notifications to my mothers phone number without my permission, which I only recently found out. I believe this violates my rights under the FDCPA. I am requesting that this debt be removed from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX  my mother and I, who share a mortgage loan with XXXX XXXX have been in constant disputes over the mishandling of our loan which, in summary, amounted to several Fraud investigations through our bank, XXXX XXXX, because of XXXX XXXX  claiming payments nit being received yet we have record of sending through our XXXX XXXX bill pay system. We settled with XXXXXXXX XXXX with a Modification and the case was dismissed without prejudice. XXXX Mortgage is not foung the same thing they did before and they are again claiming we are not making payments. I have proof of all payments being made and XXXX XXXX has opened another Fraud case against them. We have disputed almost every month for 6 years now, the discrepancies on our credit reports. Even XXXX Mortgages kawyer has written us saying that all late reports are to be removed. They have not been. Experian abd XXXX keep investigating my dispute of late payment reports on our credit and they clise each dispute and nothing changes even though I have provided all proofs of payments since 2016, letters from XXXX Mortgages lawyer claiming it should be removed, and letters from the court showing the case dismissal. We are currently pursuing cases against XXXXXXXX XXXX for the mishandling of our loan, which include Fraud investigations through XXXX XXXX, reports against XXXX to this agency ( CFPB ), opening complaint with Florida Department of Children and Families for Elder abuse by XXXX XXXX and complaints opened with the XXXX  My complaint is that Experian and XXXX are ignoring all documents I provided showing proof of payments and the open disputes on this account. Payment proof has been provided on multiple occasions and still no change to our credit which has now cost us hundreds of thousands of dollars and leaving us stuck with this predatory lender because we are unable to refinance or sell/buy a much needed larger home. We are also both XXXX and were victims of two Federally declared Natural disasters ( Hurricanes Matthew and Irma XXXX as well a victims if XXXX, which I not only almost list my life and the life of my unborn child too ( after three weeks in the hospital and subsequently the premature birth of my infant son and his XXXX week XXXX stay XXXX Experian and XXXX must review the evidence provided and take proper action and not just side with the BIG company taking their word for it. All proof has been provided and more can be given if needed. 
My complaint against XXXX is that my XXXXXXXX XXXX  account has been totally deleted showing no record of me paying on a mortgage at all.
Product: Checking or savings account

Bank of America is taking to long to take care of this problem. I want it taken care so I can close my account. the need to give the money back they took for XXXX XXXX and XXXX ride. I never request a {$43.00} ride from XXXX and proved I did not call for that ride.I have already did my work direct deposit to another bank. I want Bank of America to pay me back I will close my account. Also it is easy for hackers to from others countries to hack into Bank of American accounts, Thank you so kindlu
Product: Checking or savings account

XX/XX/XXXX is when I first started driving up to Colorado, there were fraudulent atm withdrawals made on my card with my PIN number amounting to a total of {$540.00} claim was made on XX/XX/XXXX claim ID number is # XXXX the bank is insisting that the charges were made by me as I am the only one who knows my PIN number, however I have never been to the two restaurants that was explained to me by the fraud department. I had told them everything I knew about the situation and this is not the first time my account information had been hacked, if you look in the past fraud history my card has been targeted more than seven times. The bank has now denied the claim and states that If Im not able to provide any more information on who might have my pin then the claim will stay denied. When speaking with XXXX, one of the fraud reps from Bank of America he told me that card skimmers are not able to extract my PIN number, however upon further research they are able to make complete copies of your card with your PIN number, all information being obtained from a card skimmer. On the way to CO I had to spend roughly {$1500.00} in diesel fuel, so my card was used multiple times at different gas stations across the country, XX/XX/10 times when my card information was stolen/hacked in Florida was from a gas pump card skimmer, I have pulled them off the gas pump myself just checking them before, this countrys day and age of an honest dollar has been washed down the sink, we are in a dog eat dog world, technology is advancing quicker than we can snap our fingers. I should not be paying for bank of americas poor security measures in protecting there clients and everyday consumers.