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

XXXX XXXX BANK XXXX XXXX XXXX my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX BANK XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

It was on XXXX XXXX XXXX XXXX XXXX XXXX  agent solicited me, if I can switch to XXXX ; he offered me one month try, if I dont like the service, I can return the equipment. During the 30 days try, I didnt not connect the equipment to have access to internet. 
They cancelled the service on XXXX ; they sent me emails stating, they will send me a return label to ship their equipment back, through XXXX, things they didnt do, I never received the return label! I started call many times for the return label. On XX/XX/year>, I went return the item ( equipment ) to XXXX XXXX store, I have the receipt of return. Six months later I received a notice of negative report on my credit, I filled a dispute to the collection agency however they still want me to pay the no return fees for the item I already returned. The email I received for the compa
Product: Debt collection

This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Resulting in the decline in my Credit Score. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Inaccurate Information on My Report Such as Late Payments, and Credit Card Usage and Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information with Experian via mail for months. I've sent via priority mail, next day air, and regular mail. The exact same disputes total over 6 times sent. They have only sent me auto generated messages via E-Oscar and have not truly taken a look at my letters. I've sent all relevant information needed to receive a thorough investigation which they have failed to do. If the information in question is not immediately removed from my reports I will pursue litigation.
Product: Credit card or prepaid card

Citi Card Case # XXXX On XX/XX/2020 I was deceived and fraudulent charges were posted to my account. These charges were placed on my Citi Card. There were 2 transactions for {$500.00} each for gift cards to XXXX. I was told that there were fraud charges on my XXXX account and that I could reverse these charges with gift cards. I purchased the gift cards, thinking I was talking to XXXX. Then I was told the cards could not be activated and I had to purchase more. I was scammed. I notified XXXX but unfortunately the cards were used within an hr. of purchase. 

I did not use these cards. Can they be tracked to where they were used? Citi is refusing to reverse this charge because I purchased the gift cards. All of my accounts were breached electronically. XXXX XXXX, resolved. XXXX credit card company in the process of fixing. XXXX checking account is in the process. XXXX transfer to XXXX account, this has been fixed. XXXX HELOC account {$3000.00} in fraudulent charges in process. 

My personal charges on my Citi card are paid. Only the {$1000.00} fraud remains. I don't know what to do, or if I can do anything. Please advise.
Product: Credit card or prepaid card

Fraudulent cash advances ( XXXX ) -on our Wells ( WFB ) credit card-datesXXXX & XXXX. I was out of state ( CA ) w/limited computer access XXXX to XXXX-in CA on XXXX, but no cptr. access that day. Neither me nor my husband generated the fcas. I =never make cash advances on our credit card=. We're living on a fixed income & I'm paying down, not increasing, all our credit card debt. My understanding fr WFB-2 separate fcas ( {$6000.00} and {$2300.00}, {$8300.00} in total ) were made online. S'one hacked my online acct- {$8300.00} was transferred ( not by me or my husband ) to our WFB checking acct. My husband =never banks online=. =He doesn't know my WFB user id or pass-word=. I contacted WFB 's fraud folks by phone re this Sat. XXXXthis was after I was at an WFB ATM getting cash-I saw a large balance in our primary checking acct-per WFB 's records our balance was + $ XXXXthis was due to 1 of the XXXX XXXX & transfers.Meanwhile, the balance on our credit card was + {$8300.00}. I was out of CA 1st on vacation, and, then, a week later out of CA ( in MD ) for my uncle 's funeral. This couldn't have happened at a worse time. I : reported this reported this to : the itc3.gov site ( FBI ), WFB 's management, board & phishing folks, XXXX XXXX XXXX XXXX 's office, XXXX, CA Police. & CA state AG 's office.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX conducted a hard inquiry on my credit. While I understand that such inquiries typically remain on my report for no more than two years, I am surprised to see that this one has yet to be removed. I kindly request your assistance in resolving this matter. Thank you Credit for two years has not yet been removed ; the credit was run on XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XX/XX/2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for TransUnion, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.
Product: Checking or savings account

BBVA USA lied to me and mishandled my funds in my account and paid a fraud levy that was sent to them from a fraud Child Support whereas the person robbing my account pretended to be apart of the California Child Support system sent them a levy they fraudulently created. I had problems with banks paying fraud levys in the past and went to a government office in XXXX XXXX and the women removed this fraud case before my eyes it was old and suspicious an empty case in the system and she also sent the removal to the California XXXX. Someone used my social security number a hate crime and created this Child Support case that was removed from the system in identity theft. I gave BBVA USA proof that XXXX bank got a levy and paid out money from my account and credited me after they found out it was a fraud I gave BBVA USA the documents before I opened an account with them I was afraid my account would be robbed so before I agreed to open an account I just wanted to make sure that they would not give my money away unauthorized they told me before they would give my money away the would get my authorization to pay money from my account. My account was debited : XX/XX/2018 {$6600.00}, then {$170.00}, then {$220.00} and {$73000.00} they paid this money XX/XX/2018 to a fraud posing as a Child Support Collection. 
I need my money back, depositors money is not for you to give away to frauds give me my money back your representatives lied and said you would protect me as a consumer and my account from fraud activity.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion, and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX Balance : {$4100.00}
Product: Credit reporting or other personal consumer reports

I woke up this XXXX  to my credit score on XXXX being dropped by XXXX XXXX when I clicked the notification bell to see what changed and I seen that in between XXXX all of the nelnet account balances increased and in between XXXX they took my deferments away. I called and the nelnet rep is stating that she doesnt know what went wrong. She sees my forbearance letter along with the deferments. Im writing in to get this matter resolved asap. I enrolled in my forbearance and idr in XXXX.
Product: Mortgage

Ocwen has been working with us to perform a loan modification per the HARP program. Recent policy changes has delayed the process. I recently began a loan modification b/c the loan to home value is upside down due to the market crash which means I could not refinance. Also, I have not lived in the home for over 6 years and I need to remove my name to buy my own property. Included, we discussed my separation from my wife which means I no longer live in the home. They began the process by trying to modify the loan and removing my name from the loan so I can move on and buy a home on my own. I was told that it was possible and I would need to submit a certain list of paperwork. Since the beginning, the list changed. The last change required a quit claim deed to remove me from the deed and then loan. After going through the difficult process of getting my ex-wife to agree to start the paperwork and the grueling time and effort it took to get the claim through the county clerk, I was told that the policy changed and they can no longer assist me with out submitting another document which includes a finalized divorce decree. Per the manager, this may not guarantee anything. Their only concern has always been to get our payments up to date. I feel like I have been given the run around, no concern for my needs and a total disregard to the government program that is in place to help people in my situation. Corresponding with the representatives is difficult if you are not used to the language barriers. You can never reach or get a response by the same representative. Policies change which prevent progress on actions being taken. Documents needed always change or the list is always incomplete. Takes weeks/months to accomplish anything and by that time, a policy changes that conveniently keeps actions/requests from being completed as desired by the customer.
Product: Debt collection

I see two collections debts that arent mine, i already disputed them at XXXX but i dont know how disputed them at XXXX because i dont have any information of these accounts
Product: Credit card

I previously had a discover card, in good standing. Circumstances raised that required me to close the account, however the account was paid off, no balance. I recently applied for a new discover and was denied for the card. Unclear I called and left with more questions than answers. I was told by the first agent that my app was denied because the account was included in bankruptcy. I explained that the card was a t XXXX balance so it is not possible that it was included because there was nothing to include. I have yet to get a resolve.
Product: Checking or savings account

I just received a text from this number that my fifth third debit card had been frozen. I don't bank there. I figured it would be helpful to report on behalf of those that do. Hopefully nobody gets scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXXd daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for XXXX XXXX accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts have been fraudulently opened in my name. I am requesting that the following accounts and inquiries be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$1400.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$12000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5800.00} XXXX. XXXX XXXXXXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$5700.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX This is a fraudulent debt collection. I do not authorize this. Please investigate.
Product: Money transfer, virtual currency, or money service

Website XXXX has a car for sale listed as a dealership. XXXX listed XXXXXXXX Website as a dealership. I clicked on that link and emailed a salesman named XXXX XXXX. XXXX XXXX sent me a copy of a car dealers license and a bill of sale. I filled it out and wired {$68000.00} to BMO Bank. I waited for my car to arrive and it did not. I emailed XXXX and he said he was out of country for family matters abd would talk to associates and give me a refund because my car didn't arrive. All this was a lie and a scam. I can not research and try to figure out who this is because I do not know who it is. The bank would not give me any information it found out. The guy stole {$68000.00} from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regard : Account Number XXXX Consolidated with Account Number XXXX. 
Hi, Dear Sir/Madam 1. On XX/XX/2018, my son Mr. XXXX, and I signed a lease agreement with XXXX XXXX XXXX for XXXX, XXXX XXXX, Account Number XXXX. 
2. Since XX/XX/2018, and then after the signing the lease agreement, XXXX knowingly, willingly, and intentionally failed to report my Account Number XXXX because I was disputing my other Account with XXXX, Account NumberbXXXX. 
3. XXXX 's intention was to damage my credit score by its fraudulent reporting account number XXXX, while XXXX was not reporting my current account Number XXXX. 
4. I have contacted XXXX, which informed me that XXXX is reporting only your account number XXXX, which was negative reporting. 
XXXX. I contacted XXXX and told them to report my account number XXXX but to no avail. 
XXXX. Later on, I consolidated my two accounts as in my complaint with CFPB ID # XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' PLEASE SEE ATTACHED LETTER TO Early Warning Services. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED! Early Warning Services is a consumer reporting agency 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. '' ( Early Warning Services ) is a financial and information 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. '' ( Early Warning Services is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Early Warning Services does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Early Warning Services to report or furnish information 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. '' Early Warning Services 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. Early Warning Services is 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: Credit card

I received a new credit card in the mail from Capital One, but I never applied for it. Concerned about potential identity theft, I contacted XXXX to file a fraud alert and dispute the account. However, XXXX informed me that I would need a request of authorization letter from Capital One to proceed with the dispute. When I contacted Capital One to obtain this authorization, they informed me that it was not possible to provide it. XXXX mentioned the inquiry was done on XX/XX/year> 2024