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

complaint # XXXX 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. XXXX  XXXX Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 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 BANK OF AMERICA made attempts to collect on a bankruptcy discharge zombie debt. On XX/XX/XXXX the debt was discharged and BANK OF AMERICA was notified by the the BANKRUPTCY Clerk and i of the discharge. Yet BANK OF AMERICA continues to infringe on my rights and entitlements afforded to me by the BANKRUPTCY discharge. My property is exempt under the BANKRUPTCY exemption rules and Homestead act.
Product: Debt collection

Rauch-Milliken International , Inc. sent me a first and final notice dated XX/XX/XXXX regarding a debt connected to a company that I have not been associated or involved with since XXXX. The company was a limited partnership, so any debt acquired by this partnership would not be a personal liability of partners. The partnership was dissolved upon my certificate of withdrawal on XX/XX/XXXX. The remaining partners filed a a certificate of cancellation with the state of California on XX/XX/XXXX when they sold their interest in the company to an outside entity. All Vendors including the client of Rauch-Milliken were notified by mail. I have made several attempts to reach someone at this firm with no response.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has resulted in unauthorized accounts and inquiries being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report : Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} Inquiries to be blocked : XXXX XXXX  XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX  Date : XX/XX/XXXX
Product: Credit card or prepaid card

Chase closed my account without any warning or notice. When I called them they told me they sent out a notice in the mail ; which is absurd because all my communication is set to paperless ( all statements and notices ). I recently moved so I have not been getting all my paper mail, and since I had set all my communication to paperless, I was not expecting to receive anything in the mail either. 

Apparently, my closed was closed due to a returned payment because I had entered an incorrect account number. If I had been notified, I could have fixed it but Chase decided to close all three of my credit card accounts which have adversely affected my score quite a bit, and my ability to apply for a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company on XX/XX/XXXX via phone and email about a 3 fraudulent personal loans taken out in my name. I submitted documentation regarding account numbers, dates the accounts were opened as well as a identify theft report filed to the FTC. The documents were emailed on XX/XX/XXXX and mailed the following business day. I called XX/XX/XXXX and the investigation is still pending with no additional information to provide. I also requested additional documentation about the fraud activity, not being liable for the account and any documentation from the individual who requested the loans so that I can pursue criminals charges. Each time I call I am not given any additional information ; only that the investigation is private and it has been 30 days.
Product: Credit reporting or other personal consumer reports

I brought a pre-approval letter to a car dealership to finance a used car so during the process, they had me sign on forms stating its for registration etc and they ran my credit report without my consent despite my approval from a lender. I got the car and seen hard inquiries hit my credit report. Heres the worst part : the car had oil leaking into the engine and I found out weeks later about it when the check engine light came so I took it back and they gave me a trade car that valued XXXX more than the loan I already got and RAN MY CREDIT AGAIN for more lenders. If you check my credit profile, you will notice I been with the same lender I was approved with originally for both vehicles and now I have 23 unauthorized hard inquires on my credit report. What a nightmare! 

Here are the 23 Hard Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am asking for your assistance in dealing with this incorrect account that has been reported on my credit report. This issue has been raised because it has negatively affected my reputation, and I need your intervention. The way my credit report was handled has caused me great distress ; the false information has damaged my reputation. It is crucial that these mistakes are corrected so I can live in peace with my family.
Product: Credit card or prepaid card

DATES : CURRENTLY Comenity Bank did the financing for a retailer called XXXX XXXX XXXX. A couple of years ago, we all got letters stating they were no longer doing the financing and all of the accounts would be closed. We could still make payments on line, until last month. 

Supposedly they did some kind of update and now no one can access their on line accounts open or closed. They claim : We apologize you are unable to login at this time. Were working diligently to restore all customer service capabilities. This has been going on for at least 2 months. I was able to successfully make a payment by phone using their automated system last month, but apparently there are many who can not even do that. 

The bottom line is that they screwed this up and seem to be in no rush to fix it.
Product: Money transfer, virtual currency, or money service

I have an ongoing dispute with misleading claims and dropped claims that resulted from the scam that happened to me. I filed a complaint. It clearly says there will be a resolution by XX/XX/year>. I even received a call, yesterday out of the blue from Pay Pal. The gentleman ( XXXX? ) assured me I would hear from them. He also said he would be emailing me with his contact info. I somehow got the idea it might be in the resolution of my CFPB complaint. Nothing, crickets, it is currently XXXX EST. And I see that is a non monetary settlement which is not what was discussed. Pay Pal has all the power on their side. Thank goodness I have my bank. Which has been supportive and helpful. PayPal has been a roller coaster which always ends in disappointment. Because no matter what the user agreements say, you should not treat any customer this way. How could I be alone?
Product: Debt collection

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

Bankruptcy XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 

Please see this matter is removed at once.
Product: Credit reporting, credit repair services, 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 Account name XXXX XXXX XXXX  : # XXXX Account name : XXXX XXXX  # XXXX Account name : Texas XXXX Auto # XXXX Account name Texas XXXX Loan XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX USA 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 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: Credit reporting, credit repair services, or other personal consumer reports

The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and XXXX XXXX. The bank that has reported an unfair and unethical delinquency is XXXX XXXX. I opened an XXXX XXXX with XXXX XXXX in XX/XX/2022. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/2022- several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of XXXX XXXX that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at XXXX XXXX. Several months later I found out this was not true as my credit score decreased for this very reason. I have talked to several members at both XXXX XXXX and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where XXXX XXXX passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with Transunion twice who then circles back with XXXX XXXX who states that the delinquency is correct. XXXX XXXX states that XXXX marked the charges as " unauthorized '' and XXXX states that XXXX XXXX pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that XXXX XXXX tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from XXXX XXXX which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/XXXX I have initiated two international transfers at your branch in XXXX, GA, in person. The transfers have never been executed, the bank responded to an earlier complaint on the same issue with : * Allegedly they tried to contact me for more information. I have never received such a call. 
* That I should just try and transfer again, using the transfer PIN issued to be. 

Whilst it is correct that I have also requested a transfer PIN, allowing me to perform transfers, this PIN only arrived XXXX XXXX XXXX, and when I tried to first use it early in XXXX, it was no longer valid, according to the help desk, due to the merger between Suntrust and another bank, resulting in Truist XXXX 

I was informed by the helpdesk that I should contact the branch, which does not have to be in person, to have a new, valid PIN issued. I have sent several emails to the branch manager, however I have received no response. 

I have since tried to have a cheque issued and sent to me, unfortunately your internet banking solution does not allow a bank cheque being sent to a non-US address. My bank in XXXX has confirmed that they can honour such a check. 

This leaves me in a position where I still can not transfer money, unless I travel to a branch again. I am XXXX XXXX, residing in XXXX XXXX.
Product: Checking or savings account

I contacted Wells Fargo on XX/XX/2024 in regards to an account or a service I did not authorize. In which case I did not authorize anything like this and XXXX XXXX responded to me on XX/XX/2024 with a letter extending an invitation to participate in a Mediation Request to find a sufficient resolution or to settle for a {$68.00} check. I do t trust my bank and do not want to settle for {$69.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and validation of the information reported on my credit file regarding the following account : Creditor : XXXX XXXX Account Number : Ending in XXXX Upon reviewing my credit reports from your bureau and other agencies, I have noticed significant discrepancies regarding this account. XXXX reports the account as " Late XXXX Days '' as of XX/XX/year>, while Equifax has classified the same account as " Derogatory '' and flagged it as a " Collection/Charge-off '' with differing dates. 
These inconsistencies clearly indicate that the information being reported is incorrect and may violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit information be accurate, complete, and verifiable. 
I request the following actions from your bureau : 1. Validation : Provide verification and documentation supporting the accuracy of this account 's information as reported by Digital EFCU.

2. Correction or Deletion : If you are unable to validate the reported information within the legally mandated period, I demand the immediate deletion of this account from my credit report. 
Please complete your investigation within XXXX days of receipt of this letter, as required by federal law, and provide written confirmation of your findings and any actions taken. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my file has been updated appropriately. 
Attached : XXXX, XXXX, proof of address
Product: Credit card

My name, birthday, and social security number were stolen in XX/XX/XXXXXXXX  due to a data breach of my former employer 's ( XXXX XXXX ) records. Nearly XXXX XXXX ( former ) employees were affected because hackers got into the data of the company that manages XXXX XXXX 's data ; that company is called XXXX XXXX, XXXX. XXXX XXXX alerted me of the data breach, along with the other XXXX XXXX people, in XX/XX/XXXX. Subsequently, I signed up for XXXX XXXX XXXX free credit monitoring service, a service which they advertised in the same letter notifying that the data breach occurred. 

Today ( XX/XX/XXXX ), I was notified by that credit monitoring service that yesterday ( XX/XX/XXXX ), someone ( not me or anyone I know ) opened a Discover Bank credit card in my name. The associated address is XXXX XXXX XXXX in XXXX XXXX XXXX, UT XXXX, according to the credit monitoring service. 

I myself did open a Discover credit card in XXXX, but not on XXXX. The account new as of XXXX must be a fraudster who gained access to my name, birthday, and social security number from XXXX XXXX XXXX data breach. My credit score dropped from about XXXX to XXXX due to the fraudster opening this new line of credit.
Product: Checking or savings account

On Monday XX/XX/XXXX at XXXX XXXX Pacific Standard Time, I called tried to close my PayPal account business account and it said online that I must call customer service. I called customer service and I requested that they close my account. I was told my account was closed after being on the. Phone for quite some time. 
Today, Thursday. XX/XX/XXXX I wake up to a note e-mail from PayPal saying they've restored my account. I call them. I get to a supervisor. I find that they have not closed my account. When I go online, I looked, it was not closed. Therefore all my information was there. I was not able to remove my credit cards or my bank account info either. The supervisor told me that he was unable to close my account and I asked him why and he said there was a limitation put on it. And I asked him what it was and he said there was a limitation put on Monday at XXXX XXXX, the exact moment I told them to close my account. The limitation placed on my account was that it would not be able to be closed even by a PayPal employee. So they did not close my account. They in fact put a limitation on it so it could not be closed. 
the employee at paypal today was quite good i explained to him the situation he explained to me that first he would try and get my cards off which they had locked on and could not be taken off. He did manage to get my cards removed and then he started on trying to figure out why or how to get this limitation off. After about XXXX an hour he did get the limitation removed and he closed my account and then we had a whole discussion the supervisor and I about how crazily illegal it was that when I called to close my account as they required me to call them. That PayPal third tier supervisor put the limitation on it that could not be closed. 
If they are doing this to me, they're doing it to every other business account holder and this is illegal.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion again and they sent me a response to my request to have fraudulent information removed and blocked saying that received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. Its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion report at transunion.com/repair letter. I am asking again to remove these accounts XXXX XXXX XXXX, XXXX, XXXX XXXX & XXXX. There are also inquires that I have requested to be removed as well for XXXX, XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX. If they were so concerned about me and my privacy they would have fixed this the past times I have contacted them. I have not hired anyone to do anything for me and I dont feel I should have to contact them over three times.
Product: Credit reporting or other personal consumer reports

Account # XXXX ( Name not Listed ) I have no idea what account this is and who is attempting to collect this information. This is a form of identity theft. They have not verified this account accurately. Please delete this immediately Under 15 U.SC 1681i, Paragraph ( 5 ) ( A ) ( 1 ) ( i ) Treatment of Inaccurate or Unverifiable information ( A ) In general, If, after any reinvestigation 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..