23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi Source Receivables Management Acct # xxxxx balance of {$2800.00} ''??? ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters and notices to Equifax Information Services to get inaccurate information removed from my credit report. I previously have been trying to get Equifax Information Services to validate and verify all accounts listed on my credit report. After further review of my Consumer Report all the accounts that are being reported have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which is a fact makes the reporting of all the accounts on my Consumer report inaccurate. This is in my second CFPB Complaint the week, the inaccuracies on my Consumer Report are cause me mental anguish and I hope I wont be discriminated.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo Bank regarding the unjust closure of my bank account, which I believe was done under the guise of compliance with the Patriot Act. I have been a long-standing, law-abiding customer for at least XXXX years, even before Wells Fargo acquired XXXX XXXX I was using a XXXX XXXX XXXX my primary mailing address while transitioning between housing arrangements, including a temporary stay in a hotel to save money while I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was typically only home XXXX night a week. 

A few weeks before my account was closed, I received a letter from Wells Fargo notifying me that my use of a XXXX XXXX XXXX not a valid address, and that my account would be closed in 30 days. Since I had been out of town for work and couldnt access my mailbox immediately, I didnt see the letters until about XXXX weeks after they arrived. When I finally read them, I was shocked and felt blindsided. I promptly withdrew all of my funds and zeroed out my accounts to avoid any potential disruption, and my account was subsequently closed. 

While I understand the importance of complying with legal requirements, such as those outlined in the Patriot Act, I believe this policy is being applied too broadly, unfairly affecting individuals like myself who pose no risk to national security. It was deeply distressing to be treated as though I were a threat, simply because I used a XXXX XXXX while transitioning between living arrangements. This experience disrupted my financial life and created unnecessary stress, especially as I rely on my bank for my livelihood, just as my customers rely on me for theirs. 

I do not expect an apology. I am submitting this complaint to highlight an issue that affects many others. My case is not isolated, and Wells Fargo is not the only bank doing this. After reviewing numerous complaints on the CFPBs website and reading about this in the news, I have discovered that other consumers, including prominent public figures and well-respected professionals, have faced similar actions. In some cases, entire families are being denied access to financial services, which is a troubling escalation. This has prompted me to speak up and to file a complaint as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case.

Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

Inquiry XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Inquiry XXXX XXXX XXXX XXXX has violated my rights . 
Inquiry XXXX has violated my rights. 
Inquiry XXXX has violated my rights. 
Inquiry XXXX XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

what mr cooper is saying payment i missed was from XX/XX/XXXX not from XXXX like they have listed which XXXX saying is inaccurate late payments should be listed in XXXX not XXXX when i actually found out about it and made current
Product: Credit card or prepaid card

Three months ago I tried to add an external checking account to my Chase credit card so I can pay from that account. The account gave me an error when I tried to add it. I sent a secure message detailing the issue and was given canned responses such as instructions on how to add an account ( which I followed to the letter ). I called the customer service line and was given similar responses and when I pressed for someone who could better assist me I was placed on hold for hours, seemingly indefinitely. It appears Chase is not interested in helping me solve this problem so I am reaching out to the CFPB for assistance.
Product: Credit card

I have tried numerous times to close my American Express credit card account. I have copies of numerous chat requests to do so, but have never had anything but stalling responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act ( XXXX XXXX ) account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : Also states a consumer reporting agency can not furnish An account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Lendmark Financial Services, XXXX XXXX XXXX XXXX  " I am opting out of your reporting services. 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. '' XXXX, XXXX and XXXX are consumer reporting agencies 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. '' ( Furnisher of information to credit agencies ) is a financial 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. XXXX, XXXX and XXXX 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 reporting, credit repair services, or other personal consumer reports

These accounts are not mine please I need them removed from my credit report.
Product: Money transfer, virtual currency, or money service

Square up is committing Fraud by accepting a credit card payment during a money transfer and then changing their policies mid course preventing the consumer or seller to obtain the funds and thus committing fraud.

Square has refused to allow me to refund the consumer or to deposit the funds so to allow for a refund or payment for services. 

There is now over a thousand dollars in the account which was blocked for no valid reason. 

Square is now demanding to assess the business account transactions, over the past three months, of which we never agreed to as this would allow for fraud to take place.

With this kind of sensitive information, the accounts can be hacked.

They are now asking for the User Name and Password of the bank accounts, to release the funds, which would allow them free access to all of our accounts and which we would never allow. 

On XX/XX/XXXX Square compromised our account and then said that the account was now safe, when in fact is was not.

I want my own private bank to take over our merchant services and to close this account as soon as possible.

Square is next to impossible to reach by phone and provided disinformation to me regarding my account.

Square has insulated itself from merchants being able to report fraud, as what happened in my case on XX/XX/2022 when my account was hacked. 

Square promised to correct the situation, which apparently it did not.

Rather they set up a series of road blocks preventing merchants from accessing their funds, while allowing back actors into the merchant accounts.
Product: Debt collection

First National Collection Bureau Inc is the debt collection agency for XXXX XXXX. I am a victim of identity theft and someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX XXXX. The account do not belong to me. First National Collection Bureau debt collectors has repeatedly called me about a debt for {$390.00}. I do not owe the debt to First National Collection Bureau. I have received countless phone calls from First National Collection Bureau in regards to the debt owed and have been harassed, verbally abused, sweared at and threaten with arrest, harm, death and wage garnishment, if I do not pay the {$390.00}.
Product: Student loan

This is a formal complaint that dept of education is being non compliance as well as dealing in deceptive practices. My conclusion is the strength of following. In XXXX on I wrote dept of education a dispute regarding they sharing personal information to which was a violation of my privacy as well as the graham leaked bliley act to which their response to the complaint was In accordance with our agreements with Department of Education, we furnish your account data to the consumer reporting agencies. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal Enclosed is a copy of XXXX privacy notice, which states that for everyday business purposes such as to process your transactions, maintain your account, or report to credit bureaus, we do share your information and you may not opt out of this sharing ( plz refer to complaint number XXXX ) .However under 15 us code section 6802 obligations with respect to disclosure of personal information states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. To which department of education did not do and furthermore they stated in their response that I may not opt out to which is a clear violation of the law stated above as well as 15 usc 1681a2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF EDXXXX Account # : XXXX US DEPARTMENT OF EDU Account # : XXXX US DEPT ED Account # : XXXX DEPTEDXXXX Account # : XXXX 15 U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used.
2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.
Product: Debt collection

They are sending text messages to a company cell phone. It had my name in the text and is showing an apparent amount owed. I have not spoken to anyone regarding such debt and they are basically texting not only a random number but a number for a company cell phone potentially exposing sensitive information.
Product: Checking or savings account

On or about XXXX XXXX I received an email from Bank of America stating my mother ( XXXX XXXX XXXX and myself has " suspected debit card fraud '' on our account. The bank was thus withdrawing {$5000.00} from her account to " hold ''. I have tried daily since then to get an answer from the bank. My concern is that they STOLE {$5000.00} from the account and said they were holding it pending " further investigation ''. I went tot he local branch on XXXX XXXX. XXXX, XXXX  and spoke to the branch manager who informed me he didn't have any information but the money would be returned in 30 days. I expressed my concern and asked if I could at least know the source of the " fraud '' and he said he had no information. II told him it made no sense that they could just take {$5000.00} and not even communicate with me under the guise of " protection '' but her other monies are " unprotected ''. To which the branch manager said there was nothing he could do but " monitor the situation ''. He promised to call me the next day and never did. My mother as of today is XXXX XXXX XXXX and recovering from XXXX XXXX. She has not used her debit card and I have only an ATM card. Neither of us made a {$5000.00} purchase or authorization. Prior to going into the hospital she wrote herself a check for {$10000.00} which she cashed on or about XXXX XXXX. I too have withdwawn that amount on her behalf several times and I must say they always treat me as a poor XXXX woman who is there to steal. I spent over two hours one day just to cash a check for {$13000.00}. They looked at me and treated me like I had no business with that kind of money. They kept sending me from one person to the next, each one ensuring I was facing a camera until finally out of frustration I deposited the check and withdrew XXXX out of the account. This is not the first time this branch and bank has been XXXX XXXX me and my mother. and I believe they are now taking advantage of this elderly XXXX woman and think she is too slow to recognize that they have stolen {$5000.00} from her account and given themselves 30 days to pay it back. I don't see how this is ethical or legal.