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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

XXXX XXXX bank XXXX XXXX XXXX I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Credit card or prepaid card

On XX/XX/2023 I got email about my account needing verification, when i clicked the email it brought me to my bank of america app. In the process i learn that all my money was taken from my account from a hacker, that from the looks of it says in Branch withdrawals. Somebody has my information and has stole my money. {$170000.00} was taken from me. I have contacted bank of america but they have not issued the money back to me
Product: Money transfer, virtual currency, or money service

I was scammed by someone claiming to be from my Time Share Company to send an international Wire Transfer to XXXX XXXX XXXX on XX/XX/year> for {$4500.00}. On XX/XX/year>, I realized that it was a fraudulent request. I contact Citibank to recall wire transfer. Citibank initiated a recall on XX/XX/year>. After again being contacted by the scammers for additional funds, I had to call Citibank several times to get updates on the status. After my third call, Citibank informed me that according to XXXX XXXX, there were no funds to be returned and Citibank said, there is nothing they can do. How can a Financial Institution as large as Citibank have no recourse for their customers? How can Citibank no protect their customers from fraud? Citibank has been sued in the past for this exact type of incompetence and it appears their policies have not changed. Does Citibank not have fraud insurance protection? How can Citibank allow recalled funds not to be returned? Financial Institutions like Citibank should not just shrug their shoulders and turn away from customers who experience this type of fraudulent behavior. Additional steps need to be taken to ensure that fraudulent funds are returned. Unfortunately, now I have to hire a lawyer to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act. ( XXXX XXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries on my consumer report. These inquiries are not associated with me, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not appropriately addressed. These inaccuracies have hindered my ability to purchase my dream home and provide for my family 's needs, significantly impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Debt collection

Sent verification letter certified mail and receipt keep that proof also they never responded and its been a year goin thru this, Experian sent me they deleted this but apparently it was an error on they behalf and didnt remove which isnt ok and violates my rights as well
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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.
Product: Credit card or prepaid card

American Express allowed a 3rd party to take over the account. They were notified for a period of more than 3 years about this issue.

Eventually, a Equal Rights complaint was filed notifying this company of the interference of the 3rd party continous and ongoing. CFPB was contacted and notified of the actual account holder being daily denied access online, in person, on the telephone without use of her card or billing statements. American Express ignored the notifications continously and ongoing.

American Express knew or should have known about the blocked account, and the card holder informed American Express but again ignored locking the account holder out for 3+ years.

The account holder is protected from theis type of fraud stemming from the take over on her account, and no access. American Express did not taken any steps to secure the account from fraud and took no steps to correct this issue. American Express is ultimately responsible for the account being taken over by a 3rd party.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS BREACHED WHILE WORKING FOR A TEMP AGENCY. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT BUREAUS BY PHONE AND MAIL ADVISING OF THE INACCURATE AND FRAUDULENT ACCOUNTS BEING REPORTED ON MY PROFILE. I REQUESTED VERIFICATION AND THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. 

FURNISHING INFORMATION TO PROFILE WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, AND FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Debt collection

In XX/XX/XXXX, I received a collection notice indicating a balance of {$4100.00} allegedly owed to an apartment complex where I resided briefly from XX/XX/XXXX to XX/XX/XXXX. This lease, however, belongs to my former partner. Upon moving out, I signed a physical release form, returned my keys, and vacated the premises. Unfortunately, my former partner has not paid the amount owed. The apartment complex now asserts that I never moved out and claims they do not have any record of the signed release documentation. 

I had no prior knowledge of this debt until I received the notice from the collections agency. As this debt is not my responsibility, I request that it be removed from my records with XXXX, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

While using zelle I've had a few transactions get sent to the wrong person leaving me liable for amounts still owed to the rightful person. When attempting to resolve this with the bank I was with at the time they basically said I was at a loss & could do nothing & they did not attempt to help or recover my funds.
Product: Debt collection

I am formally requesting the assignment file related to this account to evaluate whether National Credit Systems ( NCS ) adhered to all lawful procedures to ensure the accuracy of the information reported on my consumer report. As I have not engaged in any business with NCS, nor have I received proper notification via certified mail of any alleged obligation, their actions represent a clear violation of my rights.

By unilaterally taking aggressive action without adhering to the notification and verification requirements under 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), NCS has infringed upon my privacy rights. Furthermore, their failure to notify me as required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) has caused harm to my personal and professional reputation.
Product: Debt collection

Jefferson Capital Systems Llcat XXXX XXXX XXXX XXXX XXXX XXXX MN,XXXX has been calling & sending me collection in the amount of {$1500.00}. The collection is reported as pasted due balance. I dont know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Debt collection

I have sent a debt validation letter on XX/XX/2021 to the company Independent Recovery Resources , inc. and the company has failed to validate my debt. Instead they sent a list of my medical records which i know is a direct violation of HIPPAA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

Company phone number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days since I have wrote them a letter stating my issue and I have gotten no response. I have contact the companies that have ran inquiries without my consent and Experian. I DID not authorize none of these inquiries. Experian is refusing to investigate the matter. There has been no action take on Experian or these companies that ran unauthorized inquiries since my request. I have unauthorized inquiries and I want to know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and also the attachments included in this complaint I recently checked my credit report and I noticed numerous inaccurate and untheorized information on my credit report
Product: Debt collection

I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request. 

RE : Account Number : XXXX Balance : {$13.00} Original Creditor : UNIVERSITY XXXX XXXX / Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$360.00} Original Creditor : XXXX Account Number : XXXX Balance : {$200.00} Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : UNIVERSITY XXXX XXXX /
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit card or prepaid card

I applied for a cash reward credit card from Bank of America with the help of their staff XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX MA XXXX ) in XXXX, XXXX. When I applied this card, the staff told me I can get {$200.00} cash rewards bonus after making at least {$500.00} in purchases in the first 90 days of account opening. One of my friend who recommended this card to me also told me I can get the cash rewards. And that's the reason why I applied for this card. 

However, after three months and I have spent more than XXXX dollars by this card, I still didn't get the cash rewards. And today I went to the bank counter to ask why I didn't get it, they admitted that I didn't make any mistakes and they don't know what happened and said they will help me to call the head office to applied the cash rewards for me. But when I got back home, I received their email said I can not get the cash rewards because the offer only for online applications. 

This reason is totally unacceptable because : First, there are a lot of advertisements which says sentences like " apply credit card now and get XXXX dollars, just talk with our staff '', some of them are even in XXXX. Second, my friends who applied this card earlier or in the same time with me with the help of other staffs in XXXX XXXX Bank of America have all got the cash rewards, they can be proofs to me. Third, when I applied this card, no one told me I should applied it online. And actually, I have confirmed to staffs in Bank of America for 5 times from XXXX to XXXX to make sure whether I can get the cash rewards, and each time I got the answer is " Yes, no problem, just wait, be patient! ". The reason why I confirmed so many times is that I found all my friends whether they applied this card earlier or later than me, and even spent less money by this card than me, they all got the cash rewards except me. But until today they told me I can not get the cash rewards because of a ridiculous reason. 

All in all, I think Bank of America should be responsible for what happened to me and must compensate me for the loss ( 200 cash rewards ). What they did is totally commercial fraud and is terribly unfair to me. I am deeply disappointed by what they have done.
Product: Debt collection

XXXX XXXX XXXX  XXXX has Illegally sold my account to credit control both breaking the HIPPA LAW. I am protected Under the HIPPA LAW as a patient. Credit control has accessed my social security number my address phone numbers, has threatened my job and has access to my medical records, this company knew EVERYTHING I was treated for. That was private information! I have filed a complaint with the HIPPA law.
Product: Checking or savings account

On XX/XX/XXXX I wrote two checks at XXXX XXXX. Both cleared my bank on XX/XX/XXXX. However, Telecheck, the vendor for electronic checks for XXXX XXXX both cashed one check for {$300.00} then put it through again as NSF on XX/XX/XXXX. That check also cleared my bank on XX/XX/XXXX. 
I have spent over 6 hours on the phone with XXXX, the bank, Telecheck, and XXXX XXXX  trying to resolve this. On XX/XX/XXXX XXXX faxed proof that all three checks had cleared to Telecheck with the case number Telecheck provided. 
Yesterday I received a letter from Telecheck saying they had insufficient evidence to investigate and instructing me to write a letter, get copies of all transactions for five days before and five days after each transaction and send all with a copy of the letter to them. 
Since the second transaction happened XX/XX/XXXX, I had to request a ministatment from XXXX, which will take another five days to get. 
Today Telecheck also processed a {$30.00} NSF fee against my account. 
XXXX XXXX has tried to help. They are sending my letter and a copy of the XXXX bank statement out in the mail today. I expect this will take another week at least to be received and processed by Telecheck. Telecheck now has {$330.00} of my money and is completely nonresponsive. This is money I can ill afford to lose right now. 
The preauthorzed check numbers involved are XXXX and XXXX. The check presented in error is XXXX. The NSF fee is number XXXX. I would like to have my money back and any derogatory information removed from my Telecheck record as well as XXXX 's records. Thanks in advance for any assistance you can provide. 
The Telecheck case number is XXXX
Product: Debt collection

I have been in contact with Convergent Outsourcing several times regarding an account XXXX XXXX XXXX submitted to them with my son 's information but my social. I have sent all asked for documentation proving that this is not my account I never lived at the service address and my XXXX XXXX XXXX account number is different from his. I sent evidence that my account was in good standing. I sent a credit report and a lease agreement etc. I call and they say that you are still waiting to hear back from XXXX XXXX XXXX well it's been almost three months and I am getting the same story from them doing nothing but still reporting this inaccurate information to the credit bureaus. Also, note they have not called me or currently trying to collect on this debt they just keep reporting this in accurate information. THIS IS NOT MY ACCOUNT. I gave you my son 's information which you did not have I have been completely transparent and accommodating but that stops today because I have been getting the run around. Convergent Outsourcing is knowingly reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX  ( OriginalCreditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/2023.
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. '' XXXX 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. " Discover, XXXX XXXX, are financial institutions 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. " Discover, XXXX XXXX are financial institutions and the Consumer reporting agency 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, ( Discover, XXXX XXXX ) 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. '' ( Discover, XXXX XXXX ) 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 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: Mortgage

I did not receive a bill for XX/XX/XXXX payment. I did receive an email on XX/XX/XXXX stating I must pay today to avoid late fee. I called and paid with the same checking account I always use and received confirmation # XXXX. On XX/XX/XXXX, I received thank you for your payment by email. Again I receive an email that I 'm going to be late. I check my account ; no payment was taken. I call XXXX at Quicken on XX/XX/XXXX ; I explained the payment did not go through.He said to give him the numbers, I did, he said were done. XX/XX/XXXX I received an email thank you for your payment. XX/XX/XXXX, I 'm late again, I send an email to explain and included a check from the same account. NOW, it 's paid but they want XXXX late payments. They said it 's not their fault, but I have used my routing and account # 's with out a problem with others and no problem. They said they still do not know why both times the payment did not go through. I believe they have an obligation as a financial institution to be held to a higher degree of professionalism. If a Quicken employee can not figure out why the numbers did not work ; I do n't know what else to say. I told them to listen to the recording of the call. Yet they just say I 'm at fault. I 'm not the company that sent two emails thanking a CUSTOMER for your recent payment that was not true, and very confusing. I do not believe Quicken should benefit financially for mistakes that they made.