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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/XX/year> EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

D & A services is trying to collect a debt I have no knowledge of. They have violated section 809 15 U.S.C. 1692g- Validation of Debts. They have yet to validate this debt. I have not received any contact between them and I that I owe them this debt. I have not also received any signed contract bearing my signature. They have not sent me any document showing they have a legal right to collect this debt or collect in my state. I have ask them to cease and desist all communication. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'll keep this brief. I opened a checking and savings account with Wells Fargo in 2018. As I'm sure you, the reader are aware, there was a historic data breach and criminal conduct on the part of the bank. I actually wasn't aware of the scope until recently. Anyway, my accounts were constantly being hacked, frauded, all of my info compromised-all over the internet. Other bank accounts opened in my name. Money stolen out of other institutions probably from their data negligence. I work in private equity so I was pretty stressed already, but then identity theft on top of it... it was horrible and still is. I reported the identity theft to wells fargo, really didn't change anything. Still fraud, new products being applied for or taken out ... in fact one day I was in my office and fedex drops off a portfolio from Wells Fargo, an investment one. I had never even given out my work address, and do all of my investments through XXXX. My credit is in the gutter now, because of the idenitty theft. I was constantly paranoid, and buying new electroincs and all sorts ofproducts to try to safe guard my life, but nothing worked. I am now in a dispute with them over something else, and am pulling my business, but I wanted to know what I should do regarding the identity theft piece? Is there any recourse? Who should i officially file idenity theft with, besides teh bank. And is there any way to get a car loan or credit card if you workl, but are a victim of idenitty theft. I would watch people hack into my paypal accounts foreign countries, using my data and using credit cards to buy mass purchases, and here I am and can't even get an unsecured cc or a car rn. Lastly, this saturday I needed some cash in my wells fargo account, so I took one of my XXXX  checks, wrote it out ot myself and mobile deposited it. Thought nothing of it, perfectly legal. I got an email this afternoon that they would be closing my checking account, as the check that I deposited seemed to be " altered. '' I mean it's so unfathomable ... of course it's altered, it was a blank check of mine from a different institution and needed to be written on. Thank you. 

Best, XXXX XXXX
Product: Checking or savings account

I had a check present on XX/XX/XXXX. At the time, my POSTED balance was {$170.00}. The check amount was {$300.00} and was POSTED to my account and subtracted to my POSTED balance causing my account to become overdrawn, at which time, I was charged an overdraft fee for an item that was paid. This item was only an " overdraft '' because Regions ' system posts the check as paid. I was originally told that it was in a " pending '' status for review yet it withdrew from my posted balance. The following business day, XX/XX/XXXX, the item was returned as an NSF item and then I was charged a returned item fee, which I do not dispute. I dispute the process in which their processing system loopholes overdraft fees to be charged to the account. Items should not post and withdraw from a posted balance unless they are items that are paid. I should not be charged an overdraft charge due to an item that was only overdrawn due to an item the bank did not pay and I was not truly overdrawn. Subsequent NSF fees were charged, as well, after I had filed a Reg E claim on XX/XX/XXXX totaling {$120.00} that was not resolved within the ten business day required. This {$120.00} in addition to the incorrect charge of {$110.00} from VIPStore ( the difference was refunded ) all totaled this negative balance. The processing system that Regions uses is rigged and allows overdraft fees to be charged when an account is truly not overdrawn. I had called on XX/XX/XXXX to ask about the process and have been getting the runaround ever since. Today was the third time I have had to call with no resolve still.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm financial is under my fathers bankruptcy with his wife. It shows up on my credit with no movement so it looks like I owe XXXX and I dont. I have nothing to do with this. XXXX XXXX and XXXX removed it but XXXX does not. I sent proof that it was under my fathers bankruptcy and the company still doesnt want to remove this from my credit.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at under the XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Frontgate has reported late payments in XX/XX/2020, when the account was not late. I have supplied information regarding this and still they have not made the change
Product: Credit card

XX/XX/XXXX. Purchased 2 {$100.00} visa gift cards at XXXX. Did not work. Had to call number on back of card. See attached document that details the problems trying to get the cards replaced. I was finally able to get cards replaced on XX/XX/XXXX but they double charged me for the activation fee.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian, XXXX  , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Experian, XXXX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial Service Reports a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both Elon Financial services to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.
Product: Debt collection

Continuation of complaint XXXX CFPB did not take appropriate action for XXXX to cease attempting to collect a fraudulent and invalid debt. XXXX was sent billings for 2 years regarding the time spent of many phone calls and letters. 
The right of offset was exercised and XXXX was notified many times of those terms. The amount has been paid in full. The continued fraudulent activity has resulted in additional fees. XXXX fraudulently turning the amount not owed to a collection agency without providing the detailed correspondence for two years has resulted in additional fraud fees. 
The CFPB must take action to prevent further fraud by XXXX. You are not a pass through organization. Your responsibility is to take action against these banks in conjunction with other Federal Agencies. I expect the CFPB to do so immediately. 
XXXX has continued perpetrated the frauds over many years. Someone must be charged, convicted and put in prison! We are a nation of laws. Without them marxism and lawlessness prevails.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX AND TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block.inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

After pulling my three credit reports i see a lot of incorrect information. Also, it appears someone has used my info which has created identity theft. I want to have all negative information, fake addresses where I never lived and wrong phone numbers listed remove from my XXXX, XXXX and TransUnion reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance : {$0.00} TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXS Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX TXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX TXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal " limited '' my account so that I can not withdraw or transfer the funds in the account. They asked me to upload a copy of my passport, my state ID card, my social security card, and to change my password. I did all of these steps right away. However, they refused to take away the account limitation, as they said I uploaded two passports : a XXXX  and American passport. This is a lie, as I do not have a XXXX  passport, did not upload one, and do not see any record of a copy of one having been uploaded in my account. Now, PayPal has frozen my account for 180 days and I can not access the money, although I have offered to supply additional or alternative documentation of my identity.
Product: Consumer Loan

I am a XXXX man with hearing problems. I purchased a hearing aid which was sold to me as 12 months same as cash. I received a coupon booklet with payments starting in XX/XX/XXXX. I have made every single payment starting on XX/XX/XXXX with the impression I would not own any interest. XX/XX/XXXX I received a letter from Allegro Credit stating I owned {$610.00} interest. I called Allegro and they stated they sent a notice XX/XX/XXXX regarding this I never received this notice, furthermore, they never sent any monthly notice reminding me what I owed and when the same as cash ended. I find this very deception. Why would they not send me a monthly statement, and only provide a coupon book that started in XX/XX/XXXX. As a lender they should be required to give me a monthly statement. I now owe money that I will need to borrower as I can not pay this. This should be illegal for Allegro to be so deceptive.
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. need nagatives to be deleted. According to the Fair Credit Reporting Act 15 USC 1681 section 602 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. '' Equifax 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 Equifax 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 Equifax, 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 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 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. Equifax 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. '' I am opting out of your reporting services.
Product: Checking or savings account

XX/XX/XXXX I was scammed/Fraud by receiving a text message from Chase bank stating : Chase bank alert XXXX Did you use your card at a XXXX supercenter on XX/XX/XXXX for {$270.00}? Reply : yes, no or Txt stop to opt-out. 
I texted : which card? 
I then received a message stating : Chase Bank : Thank you we will be placing a call shortly.. 
I received the call and we addressed the XXXX issue and then the problem started. 
{$190.00} in several increments were being withdrawn from my account and I can see it! 
The so-called chase fraudulent department was on the phone with me as my money was being transferred to my XXXX contacts. 
The so-called chase agent asked me if I knew the people that it was being transferred to. I said yes. 
He then asked me to contact them and see if they would transfer the money back. 
We did that and I received text messages. 

XXXX XXXX  XXXX WON'T CALL for this XXXX code, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1.00}. We'll deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1900.00}. We'll deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$2000.00}. " Refund to XXXX ... '' We'll deposit this Send Money with XXXX payment to your XXXX XXXX  account. Reply HELP for help. Reply STOP to cancel. Msg & Data rates may apply. 
Here is a copy of the first text messages. 
CHASE BANK ALERT : DID YOU USE YOUR CARD AT AN XXXX XXXX* on XX/XX/XXXX for {$270.00}? Reply : Yes, No or Txt STOP to opt-out. 
CHASE BANK : THANK YOU WE WILL BE PLACING A CALL SHORTLY.. 

The problem is that the money never came to my account.

So I contacted chase fraudulent department and stated that. The fraudulent agent said that no one had filed a claim so she created one. 
I then saw the money come back to my account but it was pending. 
This occurred on XX/XX/XXXX. 
Then it started reversing out of my account. 
I contacted the fraudulent department again and they told me that they did not see any fraudulent transactions and that they could not assist me with it because it came from my device ( cell phone ) with me opening it up with my face recognition. 
I asked why they didnt stop those unauthorized transactions? I informed them that I have been dealing with Chase for a very long time and there is no indication that I would have authorize a series of {$190.00} increments in the same day anywhere that should have been a red flag. 
I then went to XXXX different branches for assistance and yesterday the agent in the branch found out that I was scammed/fraud and tried to get the fraudulent department to open my case and add her findings and they declined her request!