23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised premises.
Product: Debt collection

XXXX XXXX refused to send a bank statement in XXXX, we sent a {$30.00} payment. When I called to make a payment on XX/XX/XXXX they refused to accept payment on my sons account, and they said that they had to talk to him. They have talked to XXXX on numerous occasions. They would not accept. Therefore, XXXX faxed information authorizing me to get information on his account, he also gave me money to pay on his account, because he doesnt get the print statement out of the mail, I get them. They have not been able to tell us why they tampered with the account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account for Insurance with XXXX XXXX XXXX XXXX opened at XXXX  on XX/XX/XXXX under the account number XXXX, and another Collection account with ONLINE INFORMATIONS for CONSUMERS ENERGY on XXXX  XXXX XXXX, XXXX under the account number XXXX. 
These addresses do not belong to me ; XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 
These accounts have resulted in fraudulent collections and address appearing on my consumer XXXX credit report. Ive attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, address or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I am past due of a small amount on a loan through Cash One. I have repeatedly tried to call and explain my dire situation, and i am now being harrased and abused. I have been told i am a low life, money sucker, lying, pathetic person. They will not notate my account and continue multiple times a day to harass and threaten me. I have tried to talk to a supervisor and no one will ever let me do that. This is so upsetting and makes me feel like a completely XXXX person because of how they are treating, threatening, abusing, and harassing me.
Product: Credit reporting or other personal consumer reports

I have an XXXXXXXX XXXXXXXX XXXX and XXXX XXXX XXXX credit card which are through XXXX XXXXXXXX XXXX 

This is a formal complaint against XXXX XXXXXXXX XXXX for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes.

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that XXXX XXXXXXXX XXXX has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. XXXX XXXXXXXX XXXX falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute. 
Violation of 15 USC 1681 : Additionally, I believe that XXXX XXXX XXXX  has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system. 

Violation of 12 CFR 1016.7 : XXXX XXXXXXXX XXXX is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. 
Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While XXXX XXXXXXXX XXXX may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. 

Furthermore, I want to highlight that XXXX, Equifax, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against XXXX XXXXXXXX XXXX. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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

I called Equifax customer service two weeks ago to permanently unfreeze my credit report and lift lock on my online Equifax account. I answered all the security questions and representative said both tasks have been taken care of. As of today, neither issues have been resolved. My credit report is still frozen and my online account is locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Correct account status for XXXX XXXX XXXX loan is in good standing and current since XX/XX/2014. This account is not a charge off nor associated with open bankruptcy. XXXX XXXX has confirmed they are not updating an adverse or negative status to any of the 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : XXXX  at XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information on my credit report regarding the following account : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$3100.00} ( TransUnion/ Experian ), {$3000.00} ( Equifax

) Status : Paid ( TransUnion/ Experian ), Derogatory ( Equifax ) Balance Inconsistency : The balance is not reporting the same across all bureaus, which is a violation of FCRA 623.

Status Error : If the account is paid, Equifax can not legally report it as derogatory.

V Date Discrepancies : The Last Activity and Date Reported are different across bureaus, which violates XXXX XXXX Compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with Transunion. They have incorrectly reported a student loan on my account. 

This loan is closed. When I disputed it they split the loan in two and are now reporting two derogatory loans. 

I had 1 consolidated loan with XXXX. XXXX closed the account and discharged all remaining amounts back to XX/XX/2015. 

XXXX and XXXX report this information correctly but Transunion refuses to update the information.
Product: Debt collection

I checked my credit report around XX/XX/2024 and seen that LVNV Funding is reporting a debt that I do not owe them. I refuse to pay them this debt. They have no proof that they are the owners of this debt. My consumer report has LVNV funding as the Current Owner but Resurgent is the company responding and sending notices through the CFPB which is misleading. The law states that servicers have no right to collect a debt if they are claiming to be the servicer. I have not been properly notified about this debt from LVNV Funding. This company is damaging my consumer report and violating my rights as a consumer. My next resort will be to file complaints both criminally and civilly. In the meantime I will be notifying the Attorney General via a consumer complaint and Department of justice. I mailed an affidavit, bill of particulars and my soon to be civil complaint to them today XX/XX/2024 by regular postal mail, in which I will attach to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, Experian and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2022, and XX/XX/2022 - I sent my complaint letters to Bank of America, both of which were left unanswered, in which I clearly stated how this scam has affected me personally, psychologically and financially.
Product: Mortgage

Have been ignored and threatened by various mortgage advisers especially the last one. Am with XXXX XXXX now thru BSI and XXXXes so over worked and back logged he cant even call back even though I begged for corona virus forbearance assistance.
Product: Debt collection

I used to have an account with XXXX Internet service in XX/XX/XXXX. Today, I was advised from a collection agency called Debt Recovery Solutions , LLC that I owe XXXX. I know I do not owe this amount, so I called XXXX directly on XX/XX/XXXX at XXXX XXXX EST, and spoke with a XXXX representative from XXXX ( after being transferred a few times ) who located my account by address, and he told me that I do not owe any amount. He said when the account was active, the account was always paid in full every month. I asked him, " what should I tell the collection agency? ", and he said that I should give them my account number and they should be able to see that I do n't owe any balance. Unfortunately, I did not get the XXXX rep 's name, thinking the account number would be sufficient but if their calls are recorded, then they should be able to locate that call to verify. 

So I then called Debt Recovery Solutions, and spoke with a XXXX, and explained to him that this is not a valid debt because XXXX had just reviewed my account information and told me that I do n't owe anything. XXXX said he would remove the collection from my report, if I got a confirmation number from XXXX. 

So then I called XXXX immediately after my call with XXXX from Debt Recovery Solutions. I spoke with XXXX from XXXX XXXX XXXX, who took a very long time trying to locate record of which I owe any amount. She did not find any amount that I owe to XXXX, she does not show that I owe anything, however she could not confirm or deny that I owe {$160.00}, and referred me to Debt Recovery Solutions to verify if the debt is true, but when calling Debt Recovery Solutions, they are aggressively attempting to collect this amount regardless if this amount is true or not. If XXXX saw that I do not owe anything, then why would she refer me to the collection agency to pay something that I do not owe?
Product: Debt collection

Recently my whole family has been receiving calls and voicemails about my debit. 
They call me all the time and wont stop after telling them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX is reporting medical debt that doesn't belong to me. Ive written a letter in XX/XX/2022 and responding with saying the debt has be verified with no prove on how the debt truly belongs to me.
Product: Money transfer, virtual currency, or money service

Late in the evening of XX/XX/XXXX I got a call from Bank of America. It showed as " Bank of America '' with the correct phone number on the caller ID. The person on the other end said they were with the bank fraud department and they noticed some fraudulent XXXX transactions coming through and wanted to give me notice to see if those were made by me. I said no so we proceeded with the conversation. 
XXXX said that since XXXX isn't covered by the same protection as wire transfers we needed to do a different transaction to prevent that money from being taken out of my savings account. I spent a while on the phone with him trying to determine that this was the right thing to do, but he assured me that this was a new regulation and although it seemed abnormal this was the best plan of action. He talked me through making 2 bank-to-bank transactions, one for {$2500.00} and one for {$1000.00} to an account with my middle name and last name, so " XXXX XXXX '' or something like that. I spent a while making sure they were the real bank since this didn't seem right. He gave me his badge number " XXXX '' which in looking back is likely just some made up number. Since I was spending time trying to figure out if it was really the bank calling, the transactions took too long and the transaction bounced, saying they were fraud. He told me that was because the protection was working, and we just needed to do one more thing to stop the rest of the scam and that was make another series of XXXX transfers. I thought this was suspicous, so he transfered me to his supervisor " XXXX XXXX '' who assured me that this was in fact the regulation and to just trust them, and that everything being done was FTC insured. I was tired and scared so I filled out about 5 or 6 XXXX transactions to a separate account, and those are the transfers that made me realize this was not a real transaction. I hung up after the last one and immediately called Bank of America 's fraud department. While on the phone with the real BofA fraud department I got a lot of help and reassurance that this " me-to-me '' scam was common and that most of the time they're able to refund the money without issue. I gave the woman on the phone all the information she asked for, and she said they'd be in touch with me. 

Over the next few weeks I got emails about my claim from Bank of America stating they would not be able to refund my money : " We confirmed that these transfers posted to the account you requested. '' Suggesting that it was not fraud and that I sent that money willingly. This is not the case. I was convinced that my bank was talking me through methods to protecting myself from having money stolen from my account. The people on the phone spoke clearly, calmly, and sounded as though they were in the United States which reinforced their legitimacy to me. I had to pay rent the next day and was worried my money would be gone, so I followed their instructions to protect my money, and in doing so I was tricked into sending them nearly all of my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX : XXXX XXXX XXXX : Account XXXX XXXXXXXX, XXXX, Amount : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/2011, Amount : {$1000.00} Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a 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 with 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: Debt collection

I have send a dispute letter to XXXX  and XXXX  stating the information being reported is inaccurate. A collection account reported by NCB Management is reporting inaccurate information and when I sent a letter on XX/XX/XXXX and XX/XX/XXXX asking them to validate the said collection account they send me a letter stating that they could not substantiate the allegation of my dispute. Please see attached the letters. My credit report still says the same thing. I also send a letter ( attached ) on XX/XX/XXXX letting them know they have Re-AGED my debt. That is a Major FCRA violation. This account is still on my credit report. The FCRA generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please have them remove this account from all three major bureaus and minor bureau too. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  XXXX  POLICE REPORT.   XXXX    XXXX , FRAUD ACCOUNTS.  XXXX   XXXX   XXXX   XXXX  .PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is my 2nd complaint w/ servicer XXXX. First CFPB complaint # XXXX, made XX/XX/20. In which, I advised on numerous occasions prior before my complaint that I have 6 OPEN student loans w/ XXXX . However 1/3 credit bureaus is reporting the informating incorrectly. Why is it not correct all across the board? Were the ones that it effects, the consumers who try to buy homes. But their credit scores are constantly effected. Im so tired of having to repeat different stories about different companies on my report. Tired of constantly trying to fix it alone, Ive been forced to get help from an attorney.As of today, XX/XX/20, Transunion is still reporting 4/6 of my XXXX accounts as CLOSED. 

The letter received from XXXX, in regards to my credit dispute? They didnt investigate anything, just like before, they just print out my loans & send them. I can do that. They have not CORRECTED ANYTHING W/ TRANSUNION specifically. Make it match w/ all three bureaus. Do not just throw the word investigate around & not do the job regarding handling someones acct. These accts affect our lives. Im tired of trying to correct this issue. ALL DOCUMENTS ARE ATTACHED FROM XXXX & TRANSUNION. 

Im almost certain this will not be corrected this time either. This is my SECOND complaint w/ CFPB, gazillionth w/ XXXX & Transunion XXXX