23daVinci/CFPB_Complaints huggingface dataset:
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. '' Transunion, XXXX and XXXX are consumer reporting agencies 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. The Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, 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. '' Transunion, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 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. '' Transunion, XXXX and XXXX are 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 Transunion, XXXX, and XXXX reporting services.
Product: Credit card

US BANK approved me for 2 credit cards, one {$3500.00} and the other {$4500.00}, the credit on XX/XX/XXXX the checked my credit score of XXXX XXXX and on XX/XX/XXXX they sent me twXXXX separate letters closing my card because i was going to commit fraud, they will be able to check my credit record like everything client uses them and then pays them or pays them, thats what credit cards are for
Product: Credit reporting, credit repair services, or other personal consumer reports

Ths regards XXXX Master credit card XXXX MASTERCARDXXXX  XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account
Product: Credit card or prepaid card

Today I was able to speak with an agent at bofa claims department stating that I am entitled to XXXX out of the XXXX claim I want my money from this bank and honestly shes right you guys took my funds without my knowledge and sent me through all of this yall are claiming to have paid the claim but you guys didnt it went towards a negative balance you guys caused me to have I want my XXXX she noted about On my account that I was approved for yall paid the negative balance yall caused this not me she said its on Paper regardless and says permanent so I should have it not the negative balance my account and I want my XXXX that has a missing credit under it released to me as well expeditiously please I need my money this is not right at all and even your agent said that regardless of the negative balance the bank only should have takin XXXX or XXXX not the whole XXXX I want my money out of this bank now!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX-Retail Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Card Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX BANK XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX of XXXX Account # XXXX US Dept of ED/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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

Square company, is holding about {$250.00}. That I have collected from customers who buy ice cream from my ice cream truck. I have tried to give the information that they want on line but it will not accept the information. I have not been able to contact them by phone. 
Therefore I am not able to explain my situation to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Product: Debt collection

I have just been contacted by a company Asset Care a debt collector. They state I owe debt from a procedure done in XXXX of XXXX This is the 1st time I have heard of this debt being owed. 
I attempted to gain more information but was told it was mailed and would contain the original medical provider information. I have no itemized statement from them only their letter claiming the amount owed. 
This was instantly placed on my credit report. 
Several XXXX  complaints are filed with this company. 
I can only find information from paid off debts, no claim in insurance matches
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the collection account from '' XXXXXXXX XXXX XXXX '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.
Product: Credit reporting or other personal consumer reports

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
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 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 XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).
Product: Debt collection

I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. 
++these bills are over 10 years old XXXX they should be removed from my credit reprt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. XXXX clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the XXXX major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the XXXX XXXX XXXX and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me.

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone.

Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.
Product: Debt collection

I took out a loan with Wells Fargo for a swimming pool of {$8000.00}, I set an automatic draft for the payments to be taken out {$130.00} a month, me & my mother have an shared account together with both of our names on this account, Wells Fargo except the account & was taking payments out of the account for about 4 or 5 months, until I got a letter stating that they can no longer take payments out of this account, because my mother was not on the contract with the pool, I did Not need my mother on this contract with me at the time I had a XXXX credit score, this had absolutely nothing to do with my mother, I immediately went to my back & got a certified letter saying that I & my mother are are this account together, I faxed the document to Wells Fargo to show that name is on this account for them to take the payments out, they wrote back declining taking the payments outofy account, I have been back & forth with them on this issue, they closed account with them & runt my credit score, I done everything in my power to get this issue resolved & nothing is working with them, to me this is nothing more than Breach of contract that Wells Fargo has done.
Product: Checking or savings account

This is in regards to Wells Fargo and the {$3.00} XXXX lawsuit. I am a current Wells Fargo customer and was XXXX during the dates given of XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I found an fraud inquiry on my Equifax Credit report that I never apply for. The inquiry was from Equifax XXXX. It is a fraud and I never apply for anything. I called Equifax to resolve the issues. They added a fraud alert on my credit report.
Product: Checking or savings account

Last year in XXXX, I opened a brand new checking and savings account at BMO bank with bonus promotion. 
They promised my that the bonus will be automatically deposit to my bank accounts after qualifying days, which should not be later than XX/XX/2019. In XXXX, I was called on Military XXXX XXXX order, after I went back from the order in XX/XX/2019. I still didn't see the bonus in my both accounts, so I called the banker in XXXX XXXX, WI. I was informed that the bonus will be deposit to my accounts soon. After a couple of weeks, i only saw the bonus in my checking account, not savings ans with addition paperless statement bonus ( {$50.00} ). Up until now, I still have not got any bonus in my saving account. 
This is against the terms and condition policy of BMO bank when I opened my accounts with them. Now, it made me believe that BMO bank does not have ethical code of conduct and integrity to do business with customers.
Product: Payday loan, title loan, or personal loan

Someone fraudulently used my information to take out a {$2000.00} loan through Rise Credit. They used my social security number but then used other fake information to take out the loan. I didn't find out about it until my credit score dropped 150 points and started to investigate it. I have talked to Rise Credit already and they said I needed to file a report with you as well. 

It still has not been removed off of my credit report and I am getting very frustrated with it. 

The debt has now been sold to XXXX and I have attached their letter that they just sent to me.
Product: Credit reporting or other personal consumer reports

INCORRECT INFORMACION IN MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach on XXXX/XXXX/XXXX. 

My SSN and various other identifying data were stolen.
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED ACCOUNTS IN MY NAME COMMITTED FRAUD AND OPEN ACCOUNTS IN MY NAME PLEASE INVESTIGATE AND REMOVE THESE ITEMS FROM MY FILE
Product: Debt collection

I SENT AT THE END OF XXXX A LETTER TO THIS COMPANY REQUESTING THEM TO STOP HARASSING ME AND TO TAKE THIS ACCOUNT OFF OF MY CREDIT REPORT DUE TO IT NOT BEING MINE
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed again XXXX, XXXX and TransUnion my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX : {$2900.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$880.00}.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some Inaccurate accounts reporting
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries and addresses on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the incorrect information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be removed completely from my credit report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Mortgage

On XX/XX/2013, I filed for Bankruptcy Chapter XXXX to avoid foreclosure on my home. I had fallen behind on my mortgage payments due to a serious illness which had prevented me from working. I have been making monthly payments to my mortgage company for the last 5 years as well as monthly payments to the court appointed trustee, and according to my records, I have completed all payments to the trustee. As my bankruptcy attorney was completing " Final Cure Payment '' paperwork, my mortgage company claims that my postpetition payments are not current and I owe them an amount of {$10000.00}. I feel that my rights are being violated in accordance with the bankruptcy laws. I feel my mortgage company is in error. I have " Mortgage Account Statements '' from them that I have used to make my monthly payments to them on a timely basis. Their error causes a problem with my bankruptcy discharge and my home is in jeopardy.
Product: Credit card or prepaid card

XXXX Identifying transactions on periodic statements.States The creditor shall identify credit transactions on or with the first periodic statement that reflects the transaction by furnishing the following information, as applicable : The creditor must disclose the amount and date of the transaction, and either : A brief identification of the property or services purchased, for creditors and sellers that are the same or related ; or The seller 's name ; and the city and state or foreign country where the transaction took place. The creditor may omit the address or provide any suitable designation that helps the consumer to identify the transaction when the transaction took place at a location that is not fixed ; took place in the consumer 's home ; or was a mail, Internet, or telephone order USAA in violation of regulation Z billing dispute allowed timeframe reversed it 's decision on credit card fraud billing disputes after a year of it being finalized. A serious issue is that I only noticed it when I saw " Transfer Adjustments '' on my account via USAA.com. Shortly there after USAA restricted my ability to use USAA.com and despite my many verbal and written requests has failed to comply with the above mentioned regulation. I have yet to receive a statement which indicated when these charges were reversed and placed back on my account. The only statement I received was one with no mention of the " transfer adjustments '' or any kind of reversal of the billing dispute finalized over a year ago. As it is, USAA states I have this balance, yet I have no clue what charges are on the card that contributed to the balance. It has been over 2 months now and I still have not received any of the requested documentation, identifiable statements or documentation used in the decision to reverse the billing dispute from over a year ago.