23daVinci/CFPB_Complaints huggingface dataset:
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.In accordance with the Fair Credit Reporting act. 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 of the following accounts : - US BKPT CT MD XXXX Ref # XXXX And, according to the United States Department Of Justice , federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information, provided in a consumer report ; however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).

According to local, state, and federal law, only data and information, from XXXX XXXX XXXX, may be lawfully and legally reported to Credit Reporting Agencies ( CRA ) ; as, there is -- -- -- -- - NO LEGAL DATA FURNISHER REPORTING THIS IDENTITY THEFT BANKRUPTCY.

And, according to local, state, and federal law, only APPROVED AND CERTIFIED DATA FURNISHERS MAY SUBMIT DATA TO CREDIT REPORTING AGENCIES ( CRA ) ; AND, HAVE ACCOUNT INFORMATION REPORT PER CONSUMER CREDIT FILES ; AS, BANKRUPTCY COURTS, XXXX XXXX, AND OR XXXX, ARE NOT LEGAL DATA FURNISHERS. AND, Recorder of Deeds ; the Clerk of Courts ; or the Magistrate ARE NOT LEGAL NOR VALID DATA FURNISHERS.

And, LAWFUL AND LEGAL DATA FURNISHERS WHO REPORT TO CREDIT REPORTING AGENCIES ( CRA ) MUST SUSTAIN THE FOLLOWING REQUIREMENTS TO REMAIN IN COMPLIANCE TO LAW : - Data Furnisher Name - Have A Subsciber Code - Complete E-Oscar Certification - Complete Methods And Steps For Disputes To Credit Reportimg Agencies ( CPA ) Lastly, The Fair Credit Reporting Act ( FCRA ) defines a furnisher as a company that furnishes information about consumers to credit bureaus ( formally known as consumer reporting agencies or CRAs ) like XXXX, Experian, XXXX, and XXXX. 

Data Sources ; such as, XXXX XXXX XXXX XXXX, etc. ARE NOT LEGAL DATA FURNISHERS under the FCRA, particularly when providing access to data in response to a singular directed request from a consumer. This reasoning, is supported by a plain reading of the FTC 's furnisher rule, [ 2 ] case law dicta, a commonsense approach to the regulations governing credit reporting, as well as the CFPB and U.S. Treasury Department commentary related to innovation and consumer access to financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft.

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Product: Mortgage

It is our contention that Capital One Bank has been UNJUSTLY ENRICHED and has engaged in DECEPTIVE PRACTICES to obtain the mortgage of the subject property. We have reason to believe that either, the loan terms were misrepresented to us before closing and payments made to the servicer on this note were inaccurately charged or will be charged over the life of the loan, and/or posted, causing unnecessary financial and emotional stress. We are particularly concerned that the mortgage broker represented that Capital One could provide a loan under {$3000.00} and that a HUD 1 was never provided to us before closing. Until recently, we have stayed in contact with XXXX XXXX XXXX and XXXX XXXX XXXX people within your customer service departments, loss mitigation departments, without successful resolution. Throughout the loan process we were given the runaround by Capital One starting with a former employer of Capital One, XXXX XXXX XXXX not securing and losing all of my personal documentation. My family is not trying to get out of paying anything, only obtaining the amount we feel we are owed by Capital One based on disclosures by your mortgage broker. The amount of damages we are seeking based on the negligent actions of XXXX XXXX XXXX amounts to {$72000.00} over the life or the loan. Alternatively, we want the option to renegotiate the terms of the loan with Capital One and/or outside mortgage companies who were more truthful than Capital One from the start of this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Analyzed credit report onXX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the XXXX XXXX XXXX. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that XXXX a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX  Open Date XX/XX/ Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX and have provided the corroborating documentation from XXXX as evidence. 
I spoke with XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX and XX/XX/XXXX as 60 days late. 
I am also providing a copy of the letter from XXXX which states the month reported as delinquent as XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX. 
I believe that the computer program that Equifax utilizes is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over.
Product: Money transfer, virtual currency, or money service

{$1500.00} was taken from cash app mysterious from XXXX XXXX Tech support was never available and was never resolved.
Product: Checking or savings account

I have been a TD bank customer for several years, and held both checking and savings accounts with them. On three separate occasions since XX/XX/XXXX, my checking account was broken into, and the account was closed and flagged by the TD Bank fraud department. I was required to obtain new bank cards each time. 

On XX/XX/XXXX, I received a " spoof '' call from a TD Bank number stating that once again my account had been compromised. I was asked verification information, and believing the individual with whom I spoke to be a bank employee, I provided requested information. Somehow the perpetrator was able to obtain access to my phone through this information and transferred {$10000.00} via XXXX to an unknown individual ( named XXXX XXXX in XXXX XXXX, California XXXX. This was not authorized by me- rather someone broke into my phone. I discovered that I had been a victim of fraud/identity theft after I went to a local TD branch and found out they had never called me. 

I timely filed a complaint, but TD Bank refuses to refund my money stating that I authorized this transaction. When I said I was a victim of fraud, a customer service manager told me that the bank does not provide protection to fraud victims. She refused to provide her name or the name of anyone above her. I have never heard of a bank treating their " valued customers '' in such a callous manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that XXXX Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that these items do not belong to me. I would like to know will these items be removed. Inquiry 's are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are on my XXXX report. I haven't applied for anything, I'm a victim of a XXXX  data breach that recently took place. 

XXXX XXXX Is reporting on my XXXX account also XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone with Portfolio Recovery countless times this was all settled I do not owe them {$560.00} and the account is closed. 

I am unsure as to why it still says open or why they feel I owe them anything. I was told by there customer service they would let XXXX  and XXXX know the account was settled and months later nothing has been done. 

We had came to a settlement which they already know. Hopefully this honest error on there part can be fixed thank you. Any questions call me.
Product: Checking or savings account

Once again, Wells Fargo placed an ( 11 ) days hold on my recent deposit into my business account. 

The deposit was made on XX/XX/XXXX and this morning I was alerted that a hold has been placed on such deposit until XX/XX/XXXX. 

The check that is the source of the deposit that is being withheld is from a customer of mine for the past 12+ years and such checks are always drawn from the same customer 's XXXX XXXX XXXXXXXX account and never had any checks returned unpaid. 

Furthermore, I have been a customer of WF for over 25 years and have never had any banking issues, neither on my business nor on my personal accounts. 

I find this hold not only unjustifiable but also questionable. It is another example of consumer abuse by Wells Fargo. 

In a reply from WF to my previous complaint ( Case number : XXXX ), WF said the following : Occasionally, we may place a hold on a deposited check, particularly if : An account has had frequent overdrafts or returned items ( Never ) The account was recently opened ( the account has been open since XXXX ) The issuers account had a recent returned Item ( Not true ) The issuing bank notifies us that the deposited check could be returned unpaid ( Not true, because my customer confirmed that the check has cleared their account ) This is the second time in less than a year that I find my business disrupted by WF due to unjustifiable hold on deposits on my business account. 

Please, do something about this abuse by Wells Fargo... please put a stop to this continuous abuse by Wells Fargo.
Product: Credit reporting or other personal consumer reports

Due to XXXX data breach Im experiencing a very hard time getting my credit score back up to XXXX. Ive been having a hard time getting funding and finding a place to live. This data breach created a huge financial crisis and it has caused me so much pain and suffering. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Debt collection

I received a letter from " XXXX '' of XXXX stating that I owed {$20.00} due to an unpaid medical bill from " XXXX XXXX XXXX XXXX. '' After calling and speaking with them and making it clear that I have never visited a place called " XXXX XXXX XXXX XXXX '' she said " Well, we have your name, your birth date, how else would we get it? '' I made it clear that I was not paying until I found out if this was legitimate. She gave me the date of service but said she " had no other information. '' I called my doctors office, confirmed that I had visited on that date, paid on that date ( as per my credit card statement ) and that I had no balance due. I believe this company is simply attempting to collect money from anyone who will give it to them, regardless of whether debt is owed or not. The letter I received from them states that there will be a delinquency on my credit report if this is not paid.
Product: Mortgage

I had XXXX in my impact account for a house flood with Truist mortgage. I was able to request the funds from impact to pay off the mortgage however they are stating the insurance company stated they paid me directly for XXXX XXXX that was for months of hotel stays and contents not included in checks sent to Truist my payoff was XXXX and the remainder was mailed with the incorrect amount the only disbursement I received was for the tear out XXXX. There is another missing XXXX XXXX dollars
Product: Debt collection

I have been involved in a Consumer Credit Transaction for 2 years now with Duvera Billing Service. Duvera does require you to give my social security number to acquire services, my social security number/card is Defined as my credit Card Pursuant to ( 15 USC 1602 ( L ) - Means any card, Plate, Coupon Book or other Credit device existing for the purpose of obtaining money, Property, Labor, or services on credit. ) Whenever a Consumer is involved in a Consumer credit Transaction a Finance charge is involved and is the sum of all charges Pursuant to 15 USC 1605. Not only is the Finance Charge the sum of all Charges but does not include charges of a type payable in comparable cash transactions. Duvera billing Service has taken multiple cash payments. 

On XX/XX/2019 Duvera Billing Service took a Down payment on a Consumer Credit Transaction for the Financing of a auto installment in Exhibit B which is a Violation of 15 USC 1662.

As a Federally Protected Consumer Duvera Billing Service has Violated my Rights Pursuant to 15 USC 1611 and is Criminally Liable for willful and knowing for not disclosing any finance charge involved with the account and taking cash payments in a Consumer Credit Transaction. 
Duvera Billing Service has Failed to follow the Provisions on statements that are involved under Open End Consumer Credit plan ( 15 USC 1637 ) and is Civilly Liable Pursuant to 15 USC 1640 Pursuant to 15 USC 1692K Duvera Billing Service has Violated Multiple debt Collection Practices Violating my rights to Privacy and Has Closed my account for Failure of Payment in cash Transaction. When asking for cash Transaction in a consumer Credit Transaction is a Criminal Charge.
Product: Vehicle loan or lease

This company is reporting and attempting to collect an alleged {$16000.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.
Product: Credit card

I purchased an item on XXXX. The item arrived with manufacturing defects. I documented the defects and concerns of using counterfeit parts. XXXX would not help. I filed a dispute with AMEX and they have not helped resolve the matter. They take the fraudulent evidence from the merchant and close the case in favor of the seller. They will not review my evidence or call me to discuss.