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

I received an email that my social security number was compromised on the dark web. I've contacted XXXX, Equifax, and XXXX  to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXXthat were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. My nonpublic personal information is written all over a public report. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. The fact that XXXX is ignoring me saying I have a right to privacy that they do not have a right to ignore that and they they continue to violate my rights. XXXX need my consent to furnish information on a consumer report with a likeness to my name any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. I do not consent to my personal nonpublic information being shared on a public consumer report that anyone with XXXX can obtain. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) 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 clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) 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 USC 1681e says that " 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 is not maintaining reasonable procedures. They are not removing items while they investigate. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of any and all debt collectors reporting to my consumer report.
Product: Credit reporting

This complaint is against XXXX XXXX XXXX XXXX XXXX, who practices in XXXX XXXX XXXX XXXX XXXX m XXXX, CA XXXX ( XXXX ) XXXX for falsely reporting for non payment of fees for an appointment that I did not schedule I called the doctor for an appointment of re-unification therapy with my daughter. Before we hanged up, i said, I will call back to confirm after I talk to my employer to see if I can get time off work. I was unable to get time off and hence did not call the doctor to indicate that I was coming as I had told him earlier. Even though I told him that I will call to confirm if I was coming, he still is charging me unfairly for the appointment that I did not attend and also incorrectly reporting to the credit agency to tamper my credit score. I request you to please see if you can help as my rights are compromised incorrectly as it has affected my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt do any credit inquiry with XXXX XXXX XXXX for any auto loan.
Product: Checking or savings account

I have had many of my checks over the last several years that have been frozen and not made available for periods of up to 6 days the only reason I believe it was not longer is because of my persistent calls and complaints to their customer service representatives and asking to have my complaints escalated to a higher authority in their system. I have had at least 15 times that my money was not made available to me or would they allow me to cash the check when it is a Wells Fargo check. I have incurred many losses as a result of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reported that my name and address was reported incorrectly on my credit report, It was responded that they could not fix the problem, because they didn't have amounts, account numbers, etc. They would not have account numbers because I am only discussing that my name and previous address is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX XXXX XXXX XXXX pursuant to U.S.C Title 15 1681c. 

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX XXXX XXXX is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX XXXX {$4000.00}, XXXXL {$3500.00}, XXXX  {$4500.00}, XXXX {$6200.00}, XXXX  {$6100.00}, XXXX  {$3500.00}, XXXX  {$2000.00}, XXXX  {$4500.00}, XXXX  {$6200.00}, XXXX XXXX {$0.00}, XXXX {$3700.00}, XXXX {$4300.00}, XXXX {$1500.00}, XXXX  {$6200.00}, XXXX {$5500.00}, XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX through XXXX XXXX there were fraudulent inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XXXX ) ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. All bureaus have removed this information except equifax .this information has cause my business to be turned down for credit on multiple occasions .A police report has been sent to equifax but still the information is being reported.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, an unknown charge of {$270.00} appeared on my credit card statement. This was for a merchant called XXXX On XX/XX/2022 I started a dispute with Citi regarding this charge as it was unfamiliar to me and was immediately credited the {$270.00} while the dispute was being investigated. On XXXX XXXX, 2022, the same merchant appeared in my statement again for a {$150.00} charge, however, this time Citi flagged the charge as fraud and they sent me a new credit card. I thought I was done with these fraudulent charges, however, it appears that Citi has reversed their decision on the {$270.00} and now the charge appears in my statement again.
Product: Credit card or prepaid card

I had an online approval for a Capital One credit card. To activate the card the sticker gave instructions to download and app and the with one click, the card would be activated. For others they gave a URL that was incorrect. When we find the right page for the Capital One website we are told to call Capital One to activate the call. When we call Capital One we are then told to give them a cell phone number on a smartphone and with one click the activation process would be completed. Without a cell phone, we are told to we muct submit documentation : Have a camera that connects to the internet, have a scanner or a printer to mail the documentation or have sufficient broadband to upload photos of the documentation. Then we are told to wait an indefinate period of time to hear from them if the card can be used. 
This is after we have given all our personal information and identifiers during the application process and after the card has been approved. 
Essentially these type of practices discriminate against people without smartphones, cameras with internet connections, printer and scanner, and broadband internet access.. This discriminates against the elderly, disabled, people living in rural areas and others..
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  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : 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: Student loan

Hello, I have been contacting Heartland ECSI via their website and contact number but no one returns my phone calls. I am currently unemployed and will need to reduce my monthly payment, the loan I have is a Perkins loan and I am currently submitting PSLF Loan Forgiveness waiver.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Bank account or service

On or around XX/XX/XXXX, I found out after our account was negative {$5000.00} that my daughter was a victim of a scam / fraud. She was offered what she thought was a job by a friend of hers she trusted, and who claimed to also have this job promoting a clothing company in XXXX IL using social media. She was to post about the clothing line / products via XXXX - " XXXX '', which she did. She received payment totaling around {$8400.00}, deposited into our custodial account in which both our names were listed. The individual she was dealing with called to inform her she had to pay a XXXX % " marketing fee '' on her income. After several very persistent texts, he had her withdraw and wire the {$2000.00} " fee '' to him. He said to tell anyone who might question this she was sending money for funeral expenses. Then he told her to avoid XXXX XXXX charges on future income, he could withdraw the funds from her account directly. Obviously this was a scam on a kid who was trusting and naive, who saw a 'get rich quick ' opportunity, and trusted this " friend '' who lured her into this mess. The friend turned out to be a stranger who forged a XXXX account, and my daughter never knew it until afterwards. Our account had transactions from XXXX & ATM withdrawals in XXXX, we live in XXXX XXXX, MO. She never gave permission for XXXX transactions or ATM withdrawals, she thought that she 'd only be paying once she received future paychecks. The charges were as follows : XXXX at XXXX for {$1000.00} each, ATM withdrawals of {$400.00}, {$100.00}, {$300.00}, {$83.00}, and a small charge at a gas station for around {$4.00}. We contacted the police, and they agreed she was a victim of fraud. They allowed us to file a police report, then we took the report info and disputed these charges with UMB, but they denied crediting our account back, claiming the charges were valid, since she gave account info. My daughter had no idea this person was a fraud at the time and was scammed into divulging the account info, was trusting of a person she thought she knew, and as a result, they went on a spending spree, stole money, and UMB closed the custodial account and applied those charges to my primary checking account.
Product: Mortgage

Ive been calling Lakeview/Loancare since XX/XX/XXXX, I wasnt alerted as the consumer until XX/XX/XXXX that the website is experiencing a cyber attack. I havent been able to reach a representative due to the 5 customer service numbers. Ive been told I wont be charged a late fee and my information wont be reported to the credit bureau. Unfortunately they failed to alert myself of the security attack. Ive been asked for my full social security number and banking information which I feel very uncomfortable about. Since the issue isnt fixed and their negligence is causing massive panic Im filing a complaint. Their professionalism is non existent and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i sent equifax a letter from XXXX XXXX that they were deleted account off my file, its been off for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX its appears back on my file dropping my score 50 points, this is the third time equifax have place this back on my file since XXXX XXXX took it off, and they blames the company that they reported it, i talk to XXXX the owner and he stated that he did not report it and that equifax is not telling the truth, so he said he will Remove it again, but its a shame how equifax place things back on people credit dumping they score, its depressing and down right illegal, can something please be done, by governor equifax for doing such thing
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had opened a credit card with XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in XXXX XXXX, it is over in XXXX  and where i currently live in XXXX. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on XXXX, Equifax and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened my PNC business checking account on XX/XX/20, at the advice of a local PNC branch manager because the bank did not like large deposits going into a personal checking account. Additionally, when opening the account I enrolled under a new account bonus opportunity of {$200.00}. All that was needed to obtain the new account bonus was a deposit of {$5000.00} ( made on XX/XX/20 ) and twenty debit card transactions ( made between XX/XX/20, and XX/XX/20 ). The only other activity on the account deposits of {$7900.00} on XX/XX/20, {$21.00} on XX/XX/20, {$5900.00} on XX/XX/20, {$14.00} on XX/XX/20, and bill pay of {$5900.00} on XX/XX/20, and {$6000.00} on XX/XX/20. I received an odd, unforeseen call on XX/XX/20, from a PNC banker ( XXXX? ) inquiring about my business. It was clear from their tone of voice that the banker was suspicious of my account for an unknown reason. The banker asked a few questions about my business and the call ended without any advice or concern noted. The source of funds for deposit are not a mystery and I described this to the banker who called. My business is retail arbitrage -- I buy discounted items and then sell them at a profit. Had the banker asked, I may have been willing to provide a spreadsheet of my purchases and sales, but the banker wasn't interested in facts.

I received a notice in the mail dated XX/XX/20, that my account would be closed on XX/XX/20. No information was given or provided on this notice for the reason for closure. I called PNC bank XX/XX/20, to inquire as to the reason for the abrupt account closure with no reason given. I spoke with XXXX in " Bank Operations, '' who when asked for clarifying information on the closure stated, " PNC has decided to close the account on XX/XX/20. '' When I again inquired as to the reason why, I was told " PNC has the right to close the account based on the terms and conditions of the account, just like you have the option to close the account at will. '' Again, I asked for the reason for the closure and was not given a reason why. I then asked if there was an appeal process -- Many replied " No. '' I then asked if I could open up another account with PNC in the future as PNC meets my banking needs and XXXX replied, " We would never deny the application ... '' PNC bank is clearly biased against me as I filed a CFPB complaint against them earlier this year for not paying out the bonus for the personal checking account I had opened ( that dispute was resolved in my favor and the bank paid the new account bonus ). They also appear to be concerned about the source of funds for my account -- I told them but they didn't like the answer. Lastly, the timing of the account closure is suspicious as the new account bonus has yet to be posted. The account will likely will be closed before it does post as the new bonus may take up to 90 days ( XX/XX/20 ) once the conditions for the new account opening bonus are met.
Product: Debt collection

I am writing to address a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurtae Addresses : 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