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

The Fair Credit Reporting Act, denoted as 15 USC 1681, section 602a, emphasizes the importance of consumer reporting agencies like XXXX and XXXX to act with equity, impartiality, and a regard for a consumer 's right to confidentiality. 

Being the consumer, I assert my right, as recognized by 15 USC 6801, to keep my personal details confidential. This legislation specifies that financial institutions should actively and consistently uphold their clients ' privacy and safeguard their confidential, non-public information.

When referring to entities providing data to credit reporting firms, they're understood as financial institutions by this act 's definition. As stipulated in 15 USC 1681, section 604a section 2, a consumer report can only be provided under specific conditions, including having the explicit written agreement of the concerned consumer. I haven't granted such permission to the financial data provider or the reporting agencies XXXX, XXXX and XXXX. All forms of consent given to these parties, whether explicit, assumed, or otherwise, are now nullified. 

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not share private data with third parties without explaining to the consumer how they can prohibit such sharing. I wasn't apprised of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) states that reporting agencies can not include certain adverse details, with certain exceptions, if they're older than seven years. The agencies are including such details without my authorization, which is a legal violation.

In addition, as per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, institutions shouldn't provide potentially erroneous consumer-related data to reporting agencies. And, 15 U.S. Code 1681e insists that these agencies implement appropriate measures to avert infractions of section 1681c and to restrict their report provisions as detailed in section 1681b. I believe XXXX, XXXX and XXXX aren't adhering to these guidelines. 

Lastly, according to 12 CFR 1016.7, consumers can opt out whenever they choose. Hence, I'm deciding to discontinue your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Official Complaint Against : Equifax & XXXX XXXX XXXX ( XXXX ) ( Reason For This Complaint ) I Was Unable to Obtain Credit Due To The XXXX XXXX XXXX XXXX Score Calculation Methodology Equifax Hack & Breach Of Personal Data For People Everywhere Is A Contributing Factor My XXXX XXXX XXXX XXXX Score ( FICO ) Has Been Messed Up Since This ~ It Keeps Showing as XXXX or ( XXXX ) This Is A Huge Problem This ( FICO Score 8 ) System of Calculating People 's Eligibility For Credit Or Lending Is Not Accurate The Research & Facts : The Federal Trade Commission in XXXX Had Ordered a Cease And Decist Order Against Equifax Due To Some Of Their Practices It Can Be Found as PDF on FTC Site As Federal Register / Vol. 60, No. 35 / Wednesday, XX/XX/XXXX / Notices It Appears That Equifax Ignored Key Points Of This Order : It is ordered that Equifax, in connection with the collection, preparation, assembly, maintenance and furnishing of Consumer Reports and Files, forthwith cease and desist from failing to : 1. Maintain reasonable procedures designed to limit the furnishing of Consumer Reports to Subscribers that have Permissible Purposes to receive them under Section 604 of the FCRA, as required by Section 607 ( a ) of the FCRA The FICO score was first introduced in XX/XX/XXXXby XXXX, then called XXXX, XXXX, XXXX XXXX and is based on consumer credit files of the three national credit bureaus : XXXX, Equifax, and XXXX. 

FICO Scores Are Inaccurate For These Two Reasons : 1 ) Equifax Cease And Decist Order Of XXXX 2 ) Equifax Data Leak ( Breach ) Resulting From The Known XX/XX/XXXX Hack People 's FICO Scores Can No Longer Be Accurately Calculated From The Three Sources When One Of The Sources Has Failed I Am Requesting That This Complaint Be Addressed To The Fullest Extent Capable By Your Agency, As Well As Escalated To Other Agencies To Resolve This Matter Equifax & XXXX XXXX XXXX ( XXXX ) XXXX Are In Violation Of : FCRA ( Fair Credit Reporting Act ) + ECOA ( Equal Credit Opportunity Act ) + Failure To Comply With The XXXX Cease & Decist Order
Product: Credit reporting or other personal consumer reports

the item was purchase by a third party debt collector. This account must be deleted as the status is not correct, the amount is not correct and the account was paid less than owed by the third party collector.
Product: Credit reporting, credit repair services, 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.

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. 
XXXX XXXX XXXX has had the last activity XX/XX/2008 yet it still shows on my credit report. It should be removed due to its age and inaccurate information. The reports states several different last activity dates, opening dates and reporting information. 

XXXX Account # XXXX is paid not closed and has been for over 10 years. 


The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.
Product: Debt collection

We received a debt notice in the mail stating that we had an outstanding balance of XXXX dollars. We currently have an XXXX  set up through Virginia for the toll roads here and that is what this debt is about stating that we never paid are {$17.00} and {$6.00} tolls and they have accumulated fees resulting in $ XXXX XXXX of debt. We have tried contacting them and requesting information about dates, location and how has this not covered by our XXXX  setup. They are very rude threatening that the bank will lower my credit score and come after my belongings that have loans on them. Soon after they would just hang up the phone and a wait for me to pay via these ongoing calls and letters.
Product: Student loan

Navient has been the servicer for years. I have also not paid on my loan for many, many years. I am currently in a better financial place and have recently started paying on my loan. I am paying significantly more than the amount due. 

The problem is, is that when I wasn't paying I rarely, if ever received a call, email, or even a bill from Navient. Now that I have been paying the loan they are harassing me. They have called family members. Today, XX/XX/2019, they called at XXXX, XXXX, XXXX, XXXX and XXXX. I have repeatedly told them they could no longer contact me by telephone, and I will only accept communications by mail or email. They call at least once a day, every day but some days they call non-stop. 

I think I was better off not paying, then I wouldn't be harassed.
Product: Checking or savings account

I have contacted USAA on several occasions to send me my money that is in an account of my mother with my name. She passed away on XX/XX/22. My mom 's name is XXXX XXXX XXXX, my name is XXXX XXXX XXXX. I have been told on several occasions that my check is in the mail. Today I called USAA 3 times, the first two times I was told to hang up and call again. I was told last week that the check will be mailed on XX/XX/22. Today XX/XX/22 I was told they have not mailed my check and will be checking into it. Please help me.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

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

Capital one credit services have pulled my credit several times in the past year and I have reached out to them regarding this I have never requested credit with capital one credit and there are over 10 inquiries on my XXXX  and XXXX report. Capital one acknowledged these inquires and were suppose to remove them from my credit file however they are still showing on both reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG.

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Checking or savings account

I need PNC to stop blocking XXXX from accessing my account via 3rd party apps like XXXX, XXXX etc. I want to be able to access my accounts securely but PNC wont even allow it to communicate. I believe I have the right to use these apps after proving my identity.
Product: Money transfer, virtual currency, or money service

I am writing to formally submit a complaint regarding an issue I am experiencing with Square , Inc. My Square account has been randomly locked, and I have been unable to access funds totaling approximately {$300.00} from a business transaction I completed. Despite multiple attempts to resolve this issue directly with Square, they have not provided any additional information or verification of my identity, leaving me without access to my money.

Details of the Issue : Company Name : Square , Inc. 
Account Balance : Approximately {$300.00} Date Account Locked : XXXX XXXX I have tried to contact Square 's customer support through various channels, including phone and email, but have received no satisfactory response. They emailed me on XXXX XXXX stating they can not give me any additional information on why the account was locked or help me any further. Furthermore, I have called and can not get through to anyone as the answer machine told me the representatives can not help me because my account has been locked. They have also locked the transfer option, and I am unable to link my bank account to withdraw my funds. 

Attempts to Resolve : Contacted Square Support via phone and email on multiple occasions. 
Provided all requested documentation to verify my identity. 
Reached out to Square on social media platforms.

Despite these efforts, Square has not provided a resolution or a clear explanation for the account lock. This has caused significant inconvenience and financial strain.

I am seeking assistance from the Consumer Financial Protection Bureau to help mediate this dispute and facilitate the release of my funds. 

Please let me know if any additional information is required. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly.
Product: Checking or savings account

I received a statement in the mail on yesterday XXXX XXXX regarding an account that was opened on XX/XX/XXXX that I had no knowledge of. After posting this incident on XXXX, it appears that multiple people have received the same notification. Accounts are being open in individuals names that they are not in aware of. Im not sure if this is the bank, Bank of America doing this or if theres an outside entity. However, I am requesting that does matter be looked into
Product: Mortgage

I have a HELOC with Citizens Bank. Citizens Bank has refused to enclose cancelled checks ( advanced of HELOC ) with monthly statements. I don't have records of the checks I used. I was told that I have to call in or write to request a copy of cancelled check. The representatives sometimes are not friendly, hang up phones, abuse their powers. Sometimes, I was on hold for 50 minutes to speak to a rep.

I request Citizens Bank provided copies of all cancelled checks with monthly statements.
Product: Credit reporting or other personal consumer reports

There is identity theft occurring on my account and these are the accounts : Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Reason : Identity Theft Creditor Name : XXXX Inquiry Date : XX/XX/2023 Reason : Identity Theft I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30-day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit.

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you violate the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

If you can not verify these under the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank has created a system where they intentional post dated a withdrawal ( by check ) to create an overdraft and then cause fees to be charged to multiple accounts to their benefit. 
In this case in Account A, I had XXXX and in account B I had XXXX, I had a prearranged transfer out out account B for XXXX that would post on the XXXX, I also had XXXX of incoming transfers to account A that would post on the XXXX, and an Additional funds incoming that had not posted yet. 

The bank then post dates a check form account A to come out after hours on the XXXX ( nothing was posted at XXXX XXXX  when I last looked, and at this point it looks to me that it post AFTER Midnight so it should of been a withdrawal on the XXXX ), so that they would initiate a fee on account A, then Transfer roughly {$55.00} out of account B, which would cause account B then to also incur a additional fees for the transfer coming out. Creating a cascade of fees for multiple accounts. 

To add to all of this confusion the banks has also created a situation where it is hard to identify my accounts externally as most institutions for security will only show the last 4 digits of an accounts, and have given me multiple accounts that end in the same 4 digits. 

I believe these actions are anti-consumer, and I point to XX/XX/2022, when the CFPB issued a circular to the other federal banking regulators making the case that such authorized-positive fees constitute an unfair act or practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX. XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX - Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays a Wrong FICO SCORE XXXX Rates my fico score as XXXX, Equifax shows my FICO score at XXXX and my XXXX FICO score is XXXXThis is inaccurate because of all the fraugent items that's displayed on my account. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my CFPB # XXXX complaint, XXXX  XXXX XXXX was deleted and removed from my XXXX consumer report for violating my federally protected rights, but still appears on my XXXX and Equifax consumer report.