23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 card or prepaid card

On XX/XX/XXXX, I received my card and cardmember agreement from American Express. On XXXX XXXX I contacted American Express to apply for a balance transfer, however I was informed by customer representatives and supervisor XXXX ID # XXXX that American Express does not allow balance transfers after the first 60 days of card opening or without a promotional offer. This information is contradictory to the information clearly stated on the cardmember agreement, which states that : " 0.00 % introductory APR for the first 15 months on balance transfers requested within 60 days of account opening. After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 14.74 % to 25.74 % based on your creditworthiness and other factors. '' There is no further information on the cardmember agreement that references balance transfers not being accepted after the initial 60 days after card opening. There is also no information in the cardmember agreement that states that the only time to apply for a balance transfer request is within the initial 60 days or during a promotional offer. When I asked American Express representatives to provide the stated balance transfer application rules, I was informed that they could not. I have included the information about balance transfers that I received when I applied for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFB on XX/XX/XXXX # XXXX about a modification issue with Bank of America. Instead of them helping me with the issues of the modification since XX/XX/XXXX they have closed without warning my Bank of America Credit Card, they have suspended my Bank of America Line of Credit and they have reported me to the Credit Reporting Bureau damaging my XXXX credit score down to XXXX. This is after both XXXX XXXX and XXXX XXXX from Bank of America both told me back in XX/XX/XXXX/XX/XX/XXXX that while I was going through the modification process late or missed payments will not effect any of my accounts. I have also lost my credit for direct withdraw and after almost 2 months of working with XXXX XXXX BOA has not helped me but has made things worse
Product: Credit card or prepaid card

On XX/XX/21, I was notified of a payment withdrawal from my bank for my Best Buy Visa account that was not scheduled by me. The payment of {$1200.00} was stated to have been through the phone. I did not call Citibank to schedule any payment that day. I have contacted Best Buy Visa - Citibank to resolve this issue but what I am concerned about is the privacy and security issues related to arbitrary payments being scheduled on my account and maybe others. 

I would advise Citi open a Issues & Event within their Operational Risk to ensure problems related to systematic scheduling of payments does not occur in the future.
Product: Debt collection

I received a notification that I had a collections account on my XXXX  credit report from Enhanced Recovery Co L for {$970.00}. The original creditor was apparently XXXX XXXX XXXX. I have not had a XXXX account in years ( and did not have a balance when I stopped using them ).
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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

I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in a FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXX entries for {$1800.00} on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

There are unlawfully reporting an unauthorized account on my consumer report. I never gave NCB Management service permission to put anything on my credit file. This company is in violation of 15 USC 1692g. As the original creditor only I can validate this debt and I do not validate this debt. I never signed a contract with NCB Management service Im not sure how they got my information. This company is not license to collect in South Carolina and I have sent out a cease and desist which they have receive ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'XXXX XXXX ' to my XXXX XXXX XXXX XXXX XXXX Upon receiving an unusual activity alert I immediately froze my account and called XXXX XXXX. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped XXXX points. I have called Equifax to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX I submitted a FTC report to Experian/XXXX  regarding two accounts that were established due to identity theft or fraud without my knowledge. Along with my FTC report I included a copy of my drivers license, utility bill, and a updated request with my correct personal information which included my name, date of birth, social security number, address, and etc. I received a letter on XX/XX/2020 which stated Experian was not able to process my request do to my social security number not being legible. I find this response from Experian unacceptable due to the fact my social security number was typed ( not written ) on my FTC report as well as my updated personal information request. Experian is violating the Fair Credit Report Act and also my consumer rights by not providing 100 % accurate verification and also not honoring my Federal Trade Commission report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to stop reporting wrong or mis-leading information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, NC XXXX. I sent in a copy of my license with the correct spelling of my whole name and date of birth. 

I also sent in a copy of a bill to show my address. I do not know any of the other addresses, nor am I associated with any of the other addresses that's being reported. 

I have asked the credit bureaus on numerous times to please validate, as well as investigate the accounts that they're reporting to be mine and delete the ones that are not mine. I also asked for the validation procedure because I have not heard of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had issues with my identity being stolen and there are several collection accounts I have tried for years to have removed. One from XXXX XXXX XXXX and two from XXXX XXXX XXXX. I have filed police reports on the accounts but company and reporting agency verify them as accurate.
Product: Checking or savings account

Cell phone, drivers license ID, and debit card were stolen. Phone was hacked into and hacked locked me out of XXXX ID stealing photos, notes, contacts and messages. Using saved passwords they tried to spend XXXX on credit cards in XXXX XXXX. They accessed online bank to create XXXX and XXXX XXXX and attempt to send money. They created a XXXX with my chase and sent money to themselves and to XXXX XXXX to the hacked XXXX ID. I have reported the fraud to chase, the police, and closed my credit lines while also checking my life lock and XXXX XXXX. I believe they have access to a photo of my passport as it was in my stolen photos. I am unsure if they got access to my social security number but fear it couldve been in my phone somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization on XX/XX/2019, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days.  Please see items below ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine
Product: Debt collection

On XX/XX/2022 ( or so I think ) there was a XXXX credit card opened under my name in XXXX XXXX, Florida. The total amount spent of what the person that opened the account was {$24000.00}. This was not me, I do not live, nor have I ever been in Florida. The charges shown on this account, which were provided by the debt collectors were random, some of which included purchases at an XXXX XXXX, fast food restaurants, car accessories, etc I was notified by the debt collectors Suttell & Hammer of these charges that were verified by XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sold 2 of XXXX XXXX XXXX XXXX season tickets for {$700.00} to a game I could not attend to, XXXX XXXX. I agreed to use PayPal to guarantee a safe and secure transaction. Having used PayPal many times before I was confident in getting paid. A Paypal request was made to XXXX. Several hours after the money was deposited in my account from XXXX I electronically transferred the tickets directly from my account to XXXX. The XXXX XXXX XXXX confirmed that they were down loaded from that email address. A week after the game was played I get a notice from PayPal stating that XXXX is disputing the transaction stating it was an " unauthorized " transaction. The tickets were transferred and downloaded to the same account as the PayPal payment was received. PayPal should make good on this transaction under their sellers protection policy. XXXX XXXX phone is XXXX XXXX XXXX which has restrictions on and I can't call back. This was a scam that PayPal was a part of. 

PayPal Case ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Navient is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report COUNTY OF XXXX XXXX XXXX Account Balance : {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Product: Bank account or service

PNC Bank mislead me as a customer. I opened an account for {$25.00} online and I was under the impression, from what I read. that I would enrolling into the virtual wallet. Instead my {$25.00} deposit turned into - {$25.00}. I was not informed until after my credit was affected. I am very unhappy with their services. I called several times and was informed they would remove the fee and close the account. Weeks passed no call back, no closed account. Just very bad and misleading service.
Product: Mortgage

We had changed insurance companies from XXXXXXXX XXXX XXXX to XXXX XXXX. Flagstar sent " second and final notice '' letter threatening to purchase hazard insurance on our behalf for XXXX XXXX. We hadn't received first notice. Actual insurance premium thru XXXX XXXX is XXXX XXXX. Provided requested documentation of insurance for period covering XXXX. Received conflicting notices. Email seem to suggest that proof had been accepted. Text link indicated that it hadn't been accepted, because it covered wrong period. What period other than current that Flagstar might be looking for would be a headscratcher. Flagstar would seem little energy in customer service and trying to actually resolve problems.
Product: Debt collection

I just received a notification from the credit bureaus that Midland Credit Management is reporting a collection to the credit reporting bureaus in the amount of {$580.00}. I have never entered into a contract with Midland Credit Management, neither have I ever received anything from this company in reference to a collection and this is in direct violation of 1006.34 Notice for validation of debts. Please either provide a copy of the certifed notification of debt sent to me via mail and with my signature or Please remove this collection account from my credit reports immediately. XXXXXXXX XXXX XXXX  was also removed from my credit reports as well when I disputed them as fraud and requested verification that this debt belonged to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made complaint about XXXX  credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXX-it drop down to XXXX score But XXXX  and Equifax Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX  XXXXe has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXXXXXX or I am on Trump Commitee people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...
Product: Debt collection

Midland Funding is a collection agency that repeatedly adjusts the amount of the debt in order to keep it active. They reduce it {$1.00} then raise it {$1.00} in attempts to circumvent the aging out of the account. Due to that nefarious practice, Midland Funding, by continually adjusting the amount of the debt, is creating damage to my credit score on a regular basis. The actual amount of the debt claimed is being fraudulently manipulated. Midland Funding is habitually violating the Fair Debt Collection Practices Act enforced by the FTC.