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

XXXX XXXX XXXX  has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX, Transunion, XXXX, and XXXX. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a consumer financial bureau complaint against the credit bureau XXXX  & Equifax for their refusal to report the debt as paid in full accurately on my credit file and I would like to report this as a breach of contract. 

I have receits of payment with memo stating that if check is cashed debt is settled..note all check receits have been cashed from my bank to three different creditors XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX.
Product: Credit card

I recently recognized several unauthorized charges on XX/XX/XXXX and XX/XX/XXXX on my credit card statement with Wells Fargo Banking. The fraudulent charges were the amounts of {$250.00}, {$250.00}, {$260.00}, {$270.00}, {$270.00}, {$260.00}, {$190.00}, {$190.00}, {$250.00}, {$210.00}, and {$71.00} shown on my transactions from " XXXX XXXX XXXX XXXX XXXXXXXX '' and {$20.00} from " XXXXXXXX XXXX XXXX XXXXXXXX '' and {$2.00}, {$7.00}, {$6.00}, {$0.00} from " FOREIGN CURRENCY CONVERSION FEE ''. I also received a text push notification from Wells Fargo on XX/XX/XXXX notifying me if I recognize {$140.00} and {$290.00} from " XXXX XXXX '' which I replied " N '' for no. I recently called Wells Fargo immediately on XX/XX/XXXX to notify about these charges and spoke with a representative stating that these charges were not authorized by me. The representative then transferred my call to their credit card fraud claims department on XX/XX/XXXX and I talked over the phone with another representative about the charges mentioned above as fraud. The representative then closed my credit card account, issued a new credit card, and initiated a claim on these charges that I reported, and I waited several days for a response that I have received by mail on XX/XX/XXXX stating that the claim was denied and that I have " gave authority to the person or business that made the transactions in question '' which is clearly false. I never gave anyone permission and personal information from my credit card and now I have to make this report because Wells Fargo isn't helping resolve this financial crime. I recently called again on XX/XX/XXXX and spoke with another representative from Wells Fargo Credit Card Fraud Claims asking about the status of my claim and the person mentioned that it was denied. I explained to the person why this was wrong, that they made a mistake, and that these charges are still unauthorized, and they reopened my claim once again. From XX/XX/XXXX to today XX/XX/XXXX, I am still waiting for a response again from Wells Fargo about these fraudulent charges from XX/XX/XXXX and XX/XX/XXXX XXXX. I am a victim of identity theft by these unauthorized charges, and I am also requesting that these charges be credited back to my account.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many 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 items which is found to be fraud 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. Please block/remove these items. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  XX/XX/XXXX
Product: Checking or savings account

I went to deposit a check in to my bank account and it was placed on a 7-10 day hold. I went to speak with a bank representative who looked at me as if she didn't care to help me. Then proceeded to tell me that she wouldn't release my funds because she thinks it's fraud due to the fact that I don't keep a high account balance often, I feel that is discrimination towards customers. I felt that she didn't put her best efforts in to help verify the check was real because I was XXXX and felt I was committing some type of bank fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my account i noticed that I have over 50 inquires on my report that dot belong to me. I have sent certified letters to the companies, as well as disputed them through Equifax directly ad they have yet to be removed. These inquires are fraudulent and should be removed asap. I have even places a fraud alert on my credit file to prevent this from happening. please see the list of fraudulent inquires below.
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Product: Debt collection

I keep receiving a invoice of unpaid debt and my insurance company have taken care of the debt. I would like for this to be removed from my credit history.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please provide me with the accurate information on these accounts, this effects my life and you guys are listing wrong and inaccurate information 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

I activated an authorized Discover credit card on XX/XX/2021. Following purchases, on XX/XX/XXXX, I received an email from Discover Financial Services requiring my consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on my account. I obliged the request, filled out the authorization form and submitted it within the allotted 5 days. Unbeknownst to me, the IRS has an old address ( assumed to be XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX ) on file that does not coincide with my current address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MI XXXX. Therefore, they would not grant Discover access to my records. As a result of this Discover apparently sent a request to me for my old addresses, which had already been provided to them in the past. The email requesting this information went to my spam folder and I never saw it. As a result of not receiving a response from me Discover Financial Services made an internal decision to close my card, that was communicated to me on XX/XX/2021, with a balance still on it. While I can not use the card, I can pay on the balance. This abrupt closing of my account has significantly negatively impacted my credit score by making it seem as though I am utilizing 155 % of my credit due to the balance of the card still being reported but it's status being closed. It's basically causing it to look as though I am using far more of my open credit than I actual have available, which significantly decreases my store.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX  are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. 
I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Product: Checking or savings account

On XX/XX/year>, my company received a deposit of {$3600.00} from another company, XXXX, which is XXXX of the most popular third party financing companies used my many businesses. I transferred {$2000.00} to my checking account. The {$2000.00} is within Squares guidelines. The remaining {$1600.00} I currently do not have access to due to my account being suspended with no explanation. I can not transfer or use the debit card Square sent me after the account was suspended. My clients have their product/service and I dont have access to all the funds. Square asked me for information on my business and I provided in a timely manner. I sent the Limited Liability Company ( LLC ) document provided to me by the state of Texas. I also sent federal EIN document provided by the Internal Revenue Service and my personal bank statement for the past 90 days. The account is still suspended at this time. Ive attempted to call, email and chat with no way of speaking to an actual person. I feel Square is holding my funds for no reason at all.
Product: Credit card or prepaid card

XXXX : I PURCHASED A {$500.00} VANILLA VISA GIFT CARD AT A XXXX GROCERY STORE USING MY CREDIT CARD. 

THE VANILLA VISA GIFT CARD IS ISSUED BY XXXX. 

THE VANILLA VISA GIFT CARD IS DISTRIBUTED AND SERVICED BY XXXX XXXX XXXX... 

XXXX : I CHECKED THE BALANCE. THE BALANCE SHOWED {$500.00}... 

XXXX : I TRIED TO MAKE A PURCHASE WITH THE VANILLA VISA GIFT CARD AND THE TRANSACTION GOT DECLINED .... 

XXXX : I CHECKED THE BALANCE. THE BALANCE SHOWED {$0.00} ( XXXX )... 

XXXX : THERE WAS AN UNAUTHORIZED FRAUDULENT TRANSACTION ON THE CARD MADE FOR {$500.00} AT XXXX... 

XXXX, XXXX XXXX XXXX XXXXXXXX - XXXX {$500.00}... 

XXXX : I FILED A DISPUTE FOR UNAUTHORIZED FRAUDULENT TRANSACTION ON THE CARD MADE FOR {$500.00} AT XXXX... 

XXXX : XXXX EMAILED ME THE COMPANY HAS RECEIVED MY DISPUTE FORM AND REQUESTED DOCUMENTS INCLUDING MY PROOF OF PURCHASE RECEIPT... 

XXXX DISPUTE CASE ID XXXX ... 

XXXX STATED THE EXPECTED COMPLETE RESOLUTION SHOULD BE WITHIN 45 DAYS TO 90 DAYS .... 

IT HAS BEEN MORE THAN 90 DAYS. I STILL HAVE NOT GOTTEN A RESPONSE OR RESOLUTION FROM XXXX IN REGARDS TO THE DISPUTE... 

THE RESOLUTION I WANT IS A {$500.00} CHECK SENT TO MY HOME ADDRESS FOR THE UNAUTHORIZED AND FRAUDULENT CHARGE MADE AT XXXX.
Product: Payday loan, title loan, or personal loan

I made a few Payments of above my minimum of {$500.00} payments of {$650.00}, {$900.00}, and {$600.00}. They keep insisting they do not want to settle for a lower payment I have made a 4 of the 11 payments and I can not afford to make anymore payment of {$500.00}. XXXX is forcing me to pay back {$5500.00}. The loan was {$2200.00} they told me while I was in the early few months and they insisted that I would not need to pay back the full amount. Im trying to close it but they want a total of the full amount they want me to pay. This is cruel and not fair. Before I even accepted the terms I spoke with multiple representatives and they to said I would not need to pay the full amount.
Product: Debt collection

could you please check the account in collection? I do n't think it mine.
Product: Debt collection

I received a debt from a utility company from LJ Ross associates based out of Michigan. Ive settled on the debt and paid a majority which they told me it was accepted. I never received any confirmation letter that the debt has been settled. LJ Ross said they mailed it, they emailed me. I NEVER GOT ANYTHING. Ive called multiple times to confirm this but they never sent me any communication. Every time I call they tell me they sent it or they had the wrong email. They sent the remainder of my debt to another debt collector so its important I get my settlement letter
Product: Debt collection

Hi, I started a company ( XXXX XXXX XXXX ) with the help of XXXX in late 2015. I quickly realized that the business was not sustainable due to high electric and water costs. Contacted XXXX to stop my service and mentioned I had dissolved my company because I couldnt afford to keep it running. I only had the business for one season and never sold an item. However I paid XXXX for two years of fee because I wasnt monitoring my credit card and was on a mobilization to XXXX. XXXX have repeated contact me to pay my renewal fee and I keep telling them that I dont have a business and isnt even in the states anymore. Ive PCSed to XXXX for over a year now and since they werent able to collect from me anymore, they have submitted my name to a collection agency ( Caine & Weiner ). 

Caine & Weiner XXXX XXXX XXXX. 
XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX Can you please help me? This is clearly fraudent actions. How can XXXX continue to try and charge me when I dont even have a business and have been out of the country for a while now. And how its so easy to submit anyones name to a collection agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep disputing items with Experian, and they keep rejecting my disputes, I have tried to call to file disputes over the phone, they block me, and forward my calls to a robotic system. This bureau is the worst bureau there is, they do not like to do their jobs, or correct their mistakes, they 2 accounts on my credit for XXXX XXXX, those accounts are past the 4 year statute of limitations for collection action, and on top of it it is re inserted debt, which by fcra standards they are supposed to delete, and credit reporting and they are not my accounts to begin with. They have an eviction that they are not supposed to be reporting they have continued to report knowing it's public records, and against FCRA even after proof was submitted to them they just don't care, they also keep reporting a XXXX XXXX credit card late that wasn't. They have inquiries on my report that have a 2 year time limit, they are keeping inquiries on my report for 3 years, and lying about the dates they are supposed to come off my report, they need to delete these items, and follow by FCRA rules, before they get sued.
Product: Mortgage

Fifth Third bank purchased my home mortgage on XX/XX/2021. I received a letter from The XXXX XXXX ( entity from whom the mortgage was purchased ) stating that the mortgage had been purchased. When I called The XXXX XXXX, they were able to give me the loan servicing number for the new account at Fifth Third, however I have not been able to create an account or to get in touch with any representatives from Fifth Third in order to pay my bill. I have not received any correspondence at all from Fifth Third stating that they had purchased my mortgage, or been provided any account number or any other method in which I could pay my bill, and they will not answer any of the phone numbers on their website. I believe per FTC regulations, 5/3 bank should have provided a written notice within 30 days of purchasing my mortgage. I spoke with my original loan servicer, and she said there is a 60 day grace period to pay the new account, but that Fifth Third had also purchased their personal home mortgage and they had not received any correspondence or notification of this either.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD AUTO FIN XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX BANK XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit card or prepaid card

XXXX XXXX is hard to dealt credit card. I called more than a couple times to help me out to have my interest review since i am a single a father and my payments are only going up and up. I 'd to see if XXXX can be more easy with work with and reduce my interest rate to something that i can afford. 

The debt credit act tell us that every consumer are on their to ask XXXX to have and respect consumer and prohibit predetory lending and credit card ABUSE to consumers. 


XXXX XXXX XXXX/XXXX/XXXX SS : XXXX Card : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site  if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company illegally repossessed a car from me when they asked for proof of payment they stated they only had a fax # so sent info to them to find out they dont have an office.Then they sent it to a firm to collect paid settlement because I was being harassed and then that company couldnt send a settlement paid letter so they sent it to another company to collect now Im being harassed by them. I have tried calling the company for a year they dont even have a valid phone number to talk to anyone and they also dont have a valid address to send information in certified letter. They also have it listed on my credit report as at least XXXX different amounts owed and they report it every XXXX months.