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

As a consumer protected under the Fair Credit Reporting Act ( FCRA ) as per 15 USC 1681, it is imperative to highlight certain violations that warrant immediate attention. The FCRA, in 15 USC 1681 section 602 ( a ), emphasizes the necessity for consumer reporting agencies like XXXX Experian and XXXX to exercise their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. 

I, as the consumer, assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which stipulates the Congress 's policy for financial institutions, including ( Furnisher of information to credit agencies ), to uphold an affirmative and continuing obligation to respect customer privacy and protect the security of nonpublic personal information.

Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicit that any consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the consumer. XXXX, Experian, XXXX  and ( Furnisher of information to credit agencies ) do not possess my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information, and all such consent is hereby revoked.

In accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise a nondisclosure option. Unfortunately, ( Furnisher of information to credit agencies ) has failed to provide an explanation of how I can exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from making any consumer report containing adverse items of information without explicit authorization. This account, reported as an adverse item without my permission, is in direct violation of this provision.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is mandated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Regrettably, XXXX Experian and XXXX  are not upholding this requirement.

Additionally, 15 U.S. Code 1681e necessitates that every consumer reporting agency maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. XXXX and Experian are currently failing to adhere to these standards. 

In compliance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services. Furthermore, I insist that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be promptly deleted from my credit report, as they are deemed fraudulent under 15 U.S. Code 1681c. I intend to pursue litigation seeking {$1000.00} per violation of the FCRA. 

These concerns require immediate rectification and acknowledgment to prevent further legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time there were sudden discrepancies. I even refreshed my browser, thinking it was a glitch, but nothing changed. Those wrong accounts stayed on my report. I'm now asking that the documents I've provided be carefully reviewed so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A section 2 : its also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint in regards to me being victim of idenity theft and am adding a ftc report # XXXX for XXXX XXXX account # XXXX opened on XX/XX/2020 with balance of {$1400.00} and XXXX  acount # XXXX opened on XX/XX/2020 balance of {$63.00} and XXXX XXXX XXXX  opened on XXXX balance {$33.00} and XXXX XXXX XXXX  acount # XXXX  balance $ XXXXreporting inconsistent information with XXXX  and equifax after I have disputed these accounts with XXXX  and equifax and XXXX  please delete/block these account pursuant to 15 usc1681 ( b ) 2 they have to stop reporting in 4days of receiving this complaint.
Product: Credit card or prepaid card

Citibank keeps decreasing my credit limits on all my cards which is impacting my credit ratio because I make payments and they decrease my limit to whatever my balance is which is showing that my credit is being used at 98 % ratio. I have not missed a payment or in collection with any company and I understand that a review could be completed every year or every few months but not ever single month to discuss my payment. I always receive mail from Citibank to do a balance transfer how would I be able to do a balance transfer even if I wanted to if Citibank keeps decreasing my limit. What they are doing is unethical and seems like Im getting profiled by Citibank. Please help
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Debt collection

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from Caine Weiner that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX  and XXXX and have not recieved updated information. Below is documention of the transaction CAINE WEINER Original creditor : XXXX XXXX Balance details 10 % of this account is paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$390.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Account information disputed by consumer Your statement - Contact info Name CAINE & WEINER Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Product: Checking or savings account

Banco Popular de PR has an account that you can open online. The adds says that it's easy, simple, and no bank visit is required. I tried to open an account and they prevented me from opening one unless I take a list of documents directly to the bank ( like ID, XXXX card, etc ). No where in their adds says that is required to visit the branch in person. No way to email or fax documents over. Misleading.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS. 

XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I sent a letter to verify and validate 2 accounts that are under this company on my credit report. There is one account that says XXXX XXXX XXXX assigned and reported on my credit reports XX/XX/year>, in the amount of {$5400.00}. The other is for XXXX XXXX in the amount of {$350.00} that was assigned and reported on my credit reports on XX/XX/year>. I did not receive any letters in reference to either of these debts before they were reported on my credit reports. I have not received a response so I will be sending new letters today via certified mail.
Product: Mortgage

I have been in contact with Navy Federal Credit Union for a mortgage payoff for the last couple of weeks because I have a contract with a buyer for my home. The closing date of the contract was for XX/XX/2022. The payoff Navy Federal provided is incorrect. A portion of the payoff belong to HUD/FHA who I will also need a payoff amount from. Unfortunately HUD/FHA can not provide me with a payoff because they stated Navy Federal never sent them the partial claim promissory contract. Until this is corrected the buyers cant close the deal on my house because we can pay HUD/FHA there portion to take the LIen off my house. I have been told I would receive a call back from a supervisor and I havent heard back from nobody at Navy regarding there mess up with the partial claim promissory contract.!
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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: Mortgage

PennyMac had erroneously filed a 1099-C " Cancellation of Debt '' in the amount of {$120000.00}.

I had sent them a Notice of Error to which they responded ( in part ) that they would adjust the amount to a lower amount of {$12000.00}.

So, now there are ( 2 ) 1099-C 's " Cancellation of Debts '' on my record with the IRS & NYS tax dept... .for both amounts.

PennyMac needs to COMPLETELY REMOVE the 1st 1099-C ( for the {$120000.00} ) from my record completely.

ADDING an additional erroneous 1099-C isn't applicable.

I shall deal with the 2nd erroneous 1099-C ( for the {$12000.00} ) in a separate complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022
Product: Checking or savings account

I ordered some merchandise on line from a jewelry store. I never got the items I ordered yet my bank took the money out of my account any way. I provided the bank with the police report that showed them that I never received the items I ordered because they where stolen before they ever reached me. Police report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted this complaint on XX/XX/XXXX, to the CFPB and the company in question has not responded yet this account is still on my Credit file, the CFPB has forwarded the complaint to the FTC due to lack of response from the said company. I am asking the Credit Bureaus to delete this from my credit file as this account is not mine. 


Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as XXXX and Why Not Furniture their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my Experian credit file. This is not my account and i want it removed from my Experian files permanently. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1200.00} {$1200.00} Payment Info Original loan amount {$1200.00} Balance {$1200.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

View full complaint Referred STATUS CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX REFERRED TO Federal Trade Commission We referred your complaint to the Federal Trade Commission. 

We reviewed your complaint and weren't able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. 

We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.
Product: Debt collection

This company is reporting a delinquent balance of {$190.00} every month for a secured account that was opened with {$300.00} of my own funds. Every month, I get a monthly statement for the account with a {$0.00} minimum payment due and a credit of {$1.00}, of which I will attach the bill. I have tried to contact the company to resolve this, as I am a XXXX XXXX Veteran and live on a limited income. I contacted the company initially when I became XXXX through service. I am given the run around with no resolution to this debt, only the company reporting negative information month after month.
Product: Debt collection

A Auto Loan From XXXX XXXX was opened in XX/XX/XXXX and TransUnion has been reporting as bad debt since XX/XX/XXXX I have reached out via mail to TransUnion to verify the inaccuracies and have not gotten a response in over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical bill was added to my credit report from years ago, and to my understanding that is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX, XXXX, XXXX XXXX XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies
Product: Bank account or service

I opened a checking account in XXXX 2016 that had a {$100.00} promotional bonus. I met all the requirements needed to get the bonus but keep getting the run around when trying to determine when the bonus will be applied.
Product: Credit reporting or other personal consumer reports

. I have attached a list from XXXX XXXX XXXX  recognize accounts, inquiries, job, addresses as a result of Identity Theft and fraud. per case # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX To : Consumer Financial Protection BureauXXXX XXXX XXXX XXXX, D.C. XXXX XXXX : Formal Dispute of Inaccurate Information in Consumer Report Dear CFPB Representative, I am writing to formally dispute inaccurate information contained in a consumer report issued by Checkr to XXXX XXXX  on or around XX/XX/XXXX. I believe the following records included in the report are incorrect and require urgent correction or removal under the Fair Credit Reporting Act ( FCRA ). 

Details of Disputed Items : Eviction Record - Case Number XXXX File Date : XX/XX/XXXX Judgment Amount : {$2500.00} Plaintiff : XXXX XXXX XXXX XXXX XXXX - Case Number XXXX File Date : XX/XX/XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX - Case Number XXXX File Date : XX/XX/XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX - Case Number XXXX File Date : XX/XX/XXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX - Case Number XXXX File Date : XX/XX/XXXX Judgment Amount : {$1600.00} Plaintiff : XXXX XXXX XXXX Upon reviewing these entries, I strongly contest their accuracy. I suspect these records may be a result of clerical errors, identity theft, or misattribution of public record information. These inaccuracies have caused unnecessary harm to my reputation and opportunities. 

Actions Requested : Investigate the validity of the listed records and verify their accuracy with the original sources ( e.g., XXXX XXXX XXXX XXXX ). 

Provide documentation substantiating these claims. 

Remove or correct any inaccurate or unverifiable information. 

Enclosed, you will find copies of supporting documents, including my identification, and a copy of the consumer report highlighting the disputed entries for reference. 

I trust the CFPB will ensure compliance with the FCRA by the reporting agency and assist in resolving this matter promptly. Please confirm receipt of this letter and provide updates regarding the progress of this dispute. I may be reached at XXXX or ( XXXX ) XXXX for further inquiries. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX [ Signature, if mailing ] Enclosures : Copy of Consumer Report Identification ( e.g., Drivers License or Passport ) Supporting Documents
Product: Checking or savings account

I applied for a checking account with Huntington Bank ( " Huntington 5 Checking '' ) on XX/XX/2019. At the time they were running a promotion in which new customers would receive a {$200.00} sign-up bonus for making cumulative deposits of {$1000.00} within 60 days of opening. 

I read the terms of service carefully, and saw that residents of my state ( Wisconsin ) were eligible for the bonus. Unbeknownst to me, Huntington was in the process of exiting the Wisconsin market, and indeed my local Huntington branch was taken over by another bank. I called Huntington Bank 's main customer service line on XX/XX/2019 ( XXXX Central, call length 7m 16s ) to confirm that I would still be eligible for the bonus. At this time, " Wisconsin '' had been removed from the website as an eligible state, but the customer service representative assured me that because it was listed when I applied, I am eligible for the bonus. 

When my bonus did not post as expected, I reached out to Huntington Bank and had several e-mails and calls exchanged with XXXX XXXX ( XXXX ). She submitted a claim on my behalf for the bonus, which was ultimately denied because I live in Wisconsin ( I received this information on XX/XX/2019 via e-mail, and we spoke via phone ). 

I feel that Huntington bank lied to me in two ways : 1 ) Wisconsin was listed as an eligible state for the bonus when I applied for my checking account, and 2 ) When following up on XXXX, I was assured that my account was still eligible for the bonus. 

XXXX informed me that she would submit a ticket to make sure the customer service representative did not continue to give out false information, but that my bonus claim would still be denied even though I was lied to.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blocks, Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial losses, and I am seeking appropriate reread for these actions.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and discovered fraudulent accounts. Kindly remove them, as they are affecting my ability to get credit. 
XXXX XXXX XX/XX/XXXX - {$2300.00} Account Number : XXXX XX/XX/XXXXXX/XX/XXXX - {$6700.00} Account Number : XXXX XX/XX/XXXXXX/XX/XXXX {$6200.00} Account Number : XXXX