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

I am filing a formal complaint against XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of XX/XX/1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. XXXX XXXX XXXX disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely EXPERIAN . This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX actions. 4. **Exclusion of Transaction and Experience Information : ** XXXX XXXX XXXX included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by XXXX XXXX XXXX  has caused significant financial and emotional distress, disrupting my life. 
Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

According to www.justice.gov, Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain. The Department of Justice prosecutes cases of identity theft and fraud under a variety of federal statutes. In the fall of 1998, for example, Congress passed the Identity Theft and Assumption Deterrence Act. This legislation created a new offense of identity theft, which prohibits " knowingly transfer [ ring ] or us [ ing ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ). This offense, in most circumstances, carries a maximum term of 15 years ' imprisonment, a fine, and criminal forfeiture of any personal property used or intended to be used to commit the offense.

Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C. 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture.

I DID NOT CONSENT TO NOR DID I AUTHORIZE THE FOLLOWING CREDIT INQUIRIES ON THE CONSUMER REPORT. I SUBMITTED AN IDENTITY THEFT CLAIM TO THE FTC. SEE ATTACHED. REMOVE THE REPORTED UNAUTHORIZED INQUIRIES PER THE FCRA AND TO MAINTAIN MY RIGHT TO PRIVACY.
Product: Debt collection

Emerald AR Systems is harassing me. New items appear on all ( 3 ) of my credit reports and they are items which have been paid / and or included in my Bankruptcy. The original companies are : XXXX XXXX and XXXX, and XXXX XXXX. 
Emerald AR Systems is conducting FRAUD by trying to collect on already paid invoices. I received the latest Invoice which was dated : XX/XX/XXXX for ( 3 ) items with service dates of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all XXXX XXXX which were included on my XXXX Bankruptcy. They even addressed it to XXXX XXXX which that has not been my last name for over 12 years. I continue to be harassed with daily phone calls, and even though I have disputed with ( 3 ) major Credit Reporting Agencies, Emerald will state they are accurate or they will rename the same invoice and change the date. FRAUD
Product: Credit reporting

I am contesting Public Record Information on my credit report is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I have contacted the Bankruptcy Court and has confirmed that they did not " verify '' any information to the reporting agencies as stated. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am filing this complaint requesting that the CFPB advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a Dispute in XX/XX/2018 about how XXXX was reporting payment and balance info. The reporting was corrected. The Dispute was to be removed from my report by XX/XX/2018. It is still listed as an open Dispute and blocks me from any other Disputes. Only one Dispute at a time. The company at fault is Credit Karma. They refuse to acknowledge there is anything wrong.
Product: Credit card or prepaid card

I have a Direct Express debit card that my XXXX benefits are automatically deposited to and I purchase things occasionally online with it. In XXXX I purchased a swimsuit with it that I never received and I also had 2 charges that I did not recognize, 1 on XX/XX/2020 for {$12.00} and another on XX/XX/2020 also for {$12.00} both of which I had no idea what they were for so I called them and started a dispute. I did everything that I was supposed to do but for some reason they did not find in my favor and they closed out the dispute leaving me to try to resolve the problems on my own. Well so far I have had no luck contacting the company that I ordered the swimsuit from. I have 2 telephone numbers but neither of them work. And the company that the other 2 charges were from claimed that I joined some VIP membership club with them when I placed an order with their company but when I asked them to provid me with copies of where I agreed to become a member they said they would refund my money. But so far they haven't done so and that was at the XXXX of XXXX. I feel that Direct Express did not do their job when I filed my dispute with them about these charges on my card and they just left it to me to try to resolve them. They told me once closed a dispute that there was nothing else that they could do and that I would have to contact the merchants myself. Now how am I supposed to do that when they have no working telephone numbers andvthey won't answer any of my emails except to tell me that I applied for a membership to their cup club which I did not do.
Product: Money transfer, virtual currency, or money service

Money was stolen from my account and when I went for help there was no live agent to help with the situation. I was on the phone for hours trying to get help with a claim to recover my money and put a stop on my account. No one ever helped me
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see unauthorized inquiries on my credit report, and I have no idea why. I routinely check my credit report, but this time I was shocked to find discrepancies that seemed to come out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries persisted. I am deeply disappointed by this situation and urgently request that the documents I've provided be thoroughly reviewed so I can finally have peace of mind.
Product: Credit card

My PNC credit card owes me XXXX dollars and PNC has not credited the money to me which is long overdue. XXXX XXXX PNC Credit Card account number ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two inaccurate accounts with TransUnion that they are reporting and they have failed to do a proper investigation! The following 2 accounts are over 7 years from the first date of delinquency which is a FCRA violation! Also under Sec 1681 ( b ) under exclusions they are in violation for reporting this information! 

1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a mortgage loan and the bank denied me because in the credit report appears radio shack account close ( they close it because they went to bankruptcy two years ago ). I continue paying my debt on time. The bank representative ask me for a letter from Radio Shack stating that they close the case and state that I being paying on time. When I called to Radio Shack the first representative told me that they ca n't send me a letter because they do not do that. I call again and the second representative told me that the letter will arrive in 7 days. After 7 days I call again to ask about the letter and the third representative told me that they will send the letter that day ( they did n't sent it ). At this time, has being pass 17 days and I do n't received any letter from them yet. Now I 'm confuse, if they close the account and damage my credit, do I need to continue paying this card? There is any way that I can get that letter from them, so I can provide this information to other bank in the future? Because apparently this will affect me to get a loan even though I still paying and be resposible with the payments. 
Thank you
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!
Product: Debt collection

Complaint is to XXXX XXXX XXXX. 
I canceled service 15 months ago and removed all of their equipment, box and put on my front porch as requested. The system didn't work, constantly call XXXX rebooted numerous times technicians came out rebooted told me to get a better wifi tower from XXXX did so also purchased 3 wifi booster for {$200.00} did not help. 
Camera systems worked sporadically XXXX replaced Cameras still didn't work, one fella that came out said it could be sunspots! I have video of the pad going off in the middle of the night had to reboot, I explained To XXXX XXXX that if happened again I would cancel. It continued an I dismantle and packed the entire system up 15 months ago. Also I had a lawyer send them all of the videos. 
Also my name on the contract was computer generated. 
Now they sent it to a collection agency in the amount of {$3000.00}
Product: Checking or savings account

on XX/XX/22 while i was at work there was to withdrawals from my account for {$200.00} totaling {$410.00} @ XXXX, my card was with me at the time so im not sure how this happened i called in to chime customer service and was told i have to wait until the transaction settle yesterday i call back into chime to dispute the charges and they closed my case this morning saying there was no error occurred i provide them with my time card as well as a police report but there desi cons still remains the same
Product: Money transfer, virtual currency, or money service

Hello, I am trying to access my XXXX app and it keeps on saying that the bank is having connectivity issues
Product: Credit card or prepaid card

I got locked out of my online account because entered the wrong answer to the security question. There was no way to change fix this online and my only option was to call Citi. I called their general business card line and after clicking the option to speak with a customer service representative I was placed on hold for 40 minutes. I called the Government line ( GSA line ) and reached a customer service representative within 5 minutes. She told me that I would need to speak with another customer service rep to get my account fixed and i was forwarded to a different department. I have been on hold for 17 minutes so far and have no expectation of speaking with someone soon. This is absurd! This is a government issued card, i did not choose citi on my own. I need to see my card balance so I can pay it, but Cit has wasted one full hour of my  time already. 

Despite the wait time, my biggest complaint is that there is no way to complain to the firm directly on their website or on their contact page. There is not email provided, only a phone number which has a wait time that will exhaust most customers who want to complain. Citi management needs to be made aware of this problem but I have no means of reaching them.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : Account Name : XXXX  Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These late payments are inaccurately reported and have negatively impacted my creditworthiness. I have previously disputed these errors, but Experian has failed to conduct a proper investigation or provide accurate results. This is consistent with the allegations made in the recent CFPB lawsuit against Experian, which claims the company conducts sham investigations of consumer disputes, fails to thoroughly review disputes, and uncritically accepts furnishers responses, even when they are clearly incorrect.

Under 15 U.S. Code 1681i, Experian is required to investigate disputed information and ensure accuracy, yet they continue to report these errors. This neglect demonstrates a failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ).

I have attached relevant documentation to support my claim, including account details and evidence of inaccuracies. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. If this issue is not resolved promptly, I will pursue further action to protect my rights.
Product: Credit reporting or other personal consumer reports

Unable to contact the company and speak to an individual ( verse the automated machine ) to be able to get my questions answered and resolve my fraud issues. Initial attempt was on the weekend, but also during business hours during the week. It is a monopoly that I am locked into using them and because of that they need to be able to field my issues with the information they have access to of mine.
Product: Credit card or prepaid card

I found out that there was fraud charges on my Discover Card by checking my credit report. The balance on the card is fraud and when I reported it to Discover, they failed to process the dispute and now there reporting me as late.
Product: Payday loan, title loan, personal loan, or advance loan

Was in an urgent situation to avoid a relative from getting evicted. Borrowed XXXX and payment amounts were outrageous! It caused many hardships! We can feel the effects of things we caused, and your company is hard and cruel to your customers. We understand that interest is to be expected when we borrow, however your company is hard, inconsiderate and cruel.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 made a dispute about a credit report collection with Experian they investigated and reported that they were satisfied with collection bureau response. I requested a debt validation from the collection bureau and the sent me a letter with a different name. I confronted Experian with that information they refused to delete the collection or provide good explanation. I therefore ask that delete that account or provide me and you with plausible reason for keeping it in my credit file.
Product: Mortgage

My father had passed away on XXXX XXXX, XXXX. The payments to his house were not being paid because of probate and the house went into foreclosure. I had been living in the house since XXXX. In XXXX I tried to get the mortgage into my name but was denied for not enough credit. My dad told my uncle to pay the house off through his medical settlement but my uncle never paid it. Instead he " accidentally '' paid off my dad 's ex-wifes ' car. So my dad had instructed my uncle to make the monthly payments on the house. When my dad passed in XXXX my sister and I had to go through probate. She didn't want the house so it went to me. However I was not able to mortgage the loan in my name because my dad 's ex-wifes ' name was still on the loan. My dad did try to get her name off during the divorce which was in the divorce settlement but for some reason she remained on the loan. When I contacted the mortgage company in XXXX to switch over ownership and do a home modification in my name after the probate I was told that they could not do that until my dad 's ex-wife was off the loan. However they did do the loan modification in mine and my dad 's ex-wifes ' name. Without her signature. I had no idea where she was so I searched for her and found her in XXXX a year after the modification was done. At first she was willing to sign off on the house but she never did the paperwork and claimed that she didn't know who to talk to .. She also insulted my family and in XXXX said that she was not going to sign the house over and to thank my uncle for this because he repossessed her car from her when she refused to pay him the money he paid for her car loan. She said to me " thank you for my good credit all these years ". I called the mortgage company and asked if there was any other way to put the mortgage in my name and they said not without her signing off on the house. Even though the loan modification that was done 2 years earlier had put me as a co-borrower with my signature but not her signature. I was the only one with interest in my house and could not get the loan so I decided to not pay for somebody else 's good credit. I let the payments slip. I felt like my hands were tied. I had received a notice of default in XXXX and then a notice of foreclosure intent to sell by auction on XXXX XXXX. I had contacted the mortgage company again for a home modification and they didn't even know who I was. They had taken me off as co-borrower and couldn't give me any details about my house. However I had received notice after notice to contact another company for the full amount of the house. I have all documents that may be needed to prove my case. This house was all that was left of my dad.
Product: Debt collection

The company stated that it has actively ceased seeking payment but is still showing on my XXXX but has removed themselves from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate things on my credit report til this day over 60 days later. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that a failure to investigate these items with 30 days give a reason to immediately remove those item from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted or I will file for litigation due to the stress you cause me. My information was also impacted by Equifax and XXXX data breach and may have got into the hands of the wrong person.