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

In Accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  looked at my transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 opened an account for XXXX card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XXXX of XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for XXXX Bank XXXX, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by XXXX. 
About a week before XXXX contacted me about this, I had received a letter from XXXX in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to XXXX advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX XXXX responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that XXXX had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and XXXX never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and XXXX never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX account 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 that a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Optimum Outcomes are still reporting on my report credit report even though the bill was dismissed by the original creditor, I have sent in the copies of the dismissal paperwork to the debt collector and also to the credit bureaus, and nothing has changed. I have disputed it with The credit bureaus and they are still retuning it to me reporting it as a verified. How can they say its verified if it has been dismissed. I have sent all of the paperwork and they both have yet to delete it from my file. I have never signed a contract with optimum outcomes nor I have I ever verified that I owe this debt, because I do not. It was dismissed.
Product: Credit reporting or other personal consumer reports

So I have submitted a dispute for colleges account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Midland credit Management. I havent received a letter or notice in the mail for these alleged debts or given a change to dispute or opt out! These alleged debt automatically reported to my consumer report! That is a violation! They have verified the accounts as accurate! This is incorrect! I do not have a contract or agreement with those companies. XXXX is in violation of the Privacy Act, FCRA, FDCPA.
Product: Checking or savings account

On XX/XX/2021, I received an email from Wells Fargo indicating my communication preference has been changed to receive statements by mail. I did not make this request. I do not consent to Wells Fargo sending correspondence by mail. I have previously requested that any and all future correspondence must exclusively be sent to my post office box. 

I called XXXX XXXX customer service department. It was brought to my attention that I dont have access to online banking due to fraud. The agent has to transfer me to the fraud department. I spoke to XXXX different agents in the fraud department and both disconnected the call while I was waiting for a supervisor. I was on hold for over an hour and still did not get to a supervisor. Both agents disconnected the telephone call and I did not receive a call back. The first agent was in North Carolina. The second agent was in XXXX XXXX. I was fully authenticated by both agents. 

My issue was not resolved in a timely fashion. The XXXX agent said my account was open and active. I asked if I have capacity to login to my account and use my checking account features. He replied yes. I then tried to login to my online account and was denied access. The website indicated my credentials require attention and to go to wellsfargo.com and login for instructions. 
I followed the instructions and kept receiving the same error message. I called Wells Fargo and was transferred to the incorrect department. I was then transferred again to another department where the automated system hung up on me. I spent more than an hour trying to resolve this issue. I currently dont have access to my money due to no fault of my own. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential litigation. Criminal and civil claims will be pursued.
Product: Credit reporting or other personal consumer reports

Experian has released sealed information to third parties that legally have no rights to view it being that the Case is Sealed in California, that is a violation of State Law, federal, and the FCRA, Criminal Penalties Any officer or employee of an agency, who by virtue of his employment or official position, has possession of, or access to, agency records which contain individually identifiable information the disclosure of which is prohibited by this section or by rules or regulations established there under, and who knowing that disclosure of the specific material is so prohibited, willfully discloses the material in any manner to any person or agency not entitled to receive it, shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 1 ). 

Any officer or employee of any agency who willfully maintains a system of records without meeting the notice requirements of subsection ( e ) ( 4 ) of this section shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 2 ). 

Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i ) ( 3 ). 

Comment : The Privacy Act allows for criminal penalties in limited circumstances. 

An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. Similarly, any individual who knowingly and willfully obtains a record under false pretenses is guilty of a misdemeanor and subject to a fine up to {$5000.00}. 

Experian receives their data on Public Records from Lexis Nexus, After disputing the sealed record with XXXX XXXX, XXXX XXXX conducted an investigation informing the creditor to notify them whether the case they represented, or tried to collect on is a sealed case, sealed in California, the creditor refused to verify whether or not the case was sealed, and XXXX XXXX concluded the investigation that the case was sealed, and deemed unverifiable by the creditor, therefore the XXXX XXXX account was deleted from their system, and they sent me a letter stating they deleted the account, they also informed me they sent a letter to Experian to remove the account from their systems, but Experian has failed to do ao, after speaking with an Experian Representative XXXX, he stated in order for them to delete the XXXX XXXX XXXX XXXX account, they need the letter from XXXX  XXXX  stating that it was deleted from their system. So I have attached the letter for the CFPB To Issue to Experian Dispute Public Records Special Department for them to remove the account from my credit file.
Product: Debt collection

They say they are called " pioneer credit recovery ''. They are calling from XXXX. 
They have been calling me at work even after I informed them not to call my work line. 
They continue to call during business hours as well as calling and leaving messages after business hours. 
If I am not at my desk then my employees will take the call and I worry about the caller tarnishing my reputation with my employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Nationwide CAC LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit card or prepaid card

Received a letter today stating tried to purchase or open account with. PayPal credit Payment. I live in Iowa don't have this and don't know what it is about. Feel it is indenity thief or scam
Product: Money transfer, virtual currency, or money service

I tried to send money to the XXXX but Remitly just cancelled it for no reason and the thing that made it worse was they deducted the money from my bank account and when I called their customer service they just told me that they will refund my money within 3 days. Although they returned my money within 3 days but I was not able to send money anymore on that day to my love ones in XXXX.
Product: Credit reporting or other personal consumer reports

Educators credit union XX/XX/XXXX XXXX XXXX did not authorize this inquiry XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX. XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX XXXX, XX/XX/XXXX. XX/XX/XXXX XXXX XXXX. I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX I did not authorize these inquiries. 
XXXX XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XXXX  consumer, XXXX XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. 
XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX did not authorize this inquiry. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX did not authorize this inquiry.
Product: Checking or savings account

I received a letter saying you guys were going to close all 3 of my accounts on XXXX XXXX with no explanation. Ive been a client for 5 years
Product: Mortgage

I refinanced my mortgage with XXXX XXXX XXXX XXXX XXXX, the servicer is Midwest Loan Services and my first payment was due on XX/XX/2020. I walked into XXXX on XX/XX/XXXX to make a payment and inquire about setting auto withdrawal for future payments. The XXXX person that helped me took a payment and told me how to contact Midwest to set up auto withdrawals. I did not do anything else regarding my XXXX payment and figured I would worry about XXXX later in the month. 
Today I received a letter in the mail from XXXX showing that I had insufficient funds to cover my mortgage payment on XX/XX/XXXX. So, there was already an auto withdrawal set up on my account, but I was not aware or told when I made my payment on XX/XX/XXXX. I called XXXX and they waived any fees associated with this event. Next, I called Midwest to ask for a reimbursement of my double payment because I could not make two payments in XXXX, they advised there is a {$10.00} fee to mail a check or {$25.00} electronic transfer. My request was to waive the fee because I am a new customer, the mixup was at the branch and I had good intentions to pay. I requested a manager and the operator said let me check because it is Friday and late in the afternoon, so there may not be one available. She connected me to a manager without telling me  she was transferring me, then XXXX XXXX came on the phone ( she would not give me her last name after I asked for identifying information ) and I requested the fee to be waived in order to process the electronic reimbursement. Her response was no and she has no control over the fee waiver. Once I explained the situation, she said it was my fault that a double payment was made. Her solution was to let everything sit on the account and not make a payment for XXXX, unfortunately I need the payment or I would have been okay doing that. XXXX XXXX stated she is the highest manager and did not have someone above her, but she said I could call back on Monday, the customer service line, to speak to someone else. After  asking for her managers name twice, she said her managers name is XXXX XXXX and I can call the customer service number on Monday to speak to her. XXXX XXXX was very sarcastic as the call continued, as I was upset at this situation, her customer service skills were not acceptable at defusing or showing any type of empathy. 
My request is/was to waive the {$25.00} fee in good faith, knowing I want to be on time and make my payment monthly.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT, AND NOTICE THERE WAS FRAUDULENT ACCOUNT OF MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT, DUE TO IT HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting or other personal consumer reports

XXXX failed to conduct a proper investigation of my credit report disputes, despite my submission of supporting documentation, including an Identity Theft Report and proof of payment. Disputed accounts include fraudulent accounts, incorrect balances, and inaccurate reporting. I request CFPB assistance to ensure compliance with the FCRA and resolution of these disputes.
Product: Checking or savings account

On XX/XX/XXXX I went to cash a check from my bank, the tailor said that my account is closed, as it was the evening time an official said come on other day in day time to look in to your account in depth, I am an employed person so I arranged to leave from my job one day and went again on XX/XX/19. The officer showed me the last check drawn from my bank account, which was not mine it was a third party check not having either my name or signature even the routing number was different only the account number was mine. 
I asked him how did you cash this check when nothing is matching with my account information. 
Then he said no worries just file a claim and you will get your money back in 90 days, so I filed a claim. 
After 90 days when I went to ask the same officer he said to open a new account so they could put my money in it, so he opened up my new account. 
After 10 days I got a denial letter from the bank which stated that they can not reimburse my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent dispute letters to XXXX XXXX and equifax regarding inaccurate and unknown things on my credit report, also I attached an ftc report # XXXX it's been over 60 days and I still have no response to these inaccurate/fraudulent accounts being reported.i informed them that Im a victim of identity theft and to remove the following accounts ( 1. ) XXXX XXXX XXXX XXXX balance of {$170.00} ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXX balance of {$63.00} ( # XXXX ) .XXXX XXXX XXXX XXXX balance of {$1400.00} ( XXXX. ) XXXXXXXX XXXX  account XXXX XXXX balance of {$26000.00} and XXXX XXXX account XXXX XXXX  balance of {$5300.00} its been over 60 days and they are stil reporting these aforementioned accounts.i am attaching the ftc report as well as the identity theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

1. I called XXXX  to pay off debt that has not been validated to be mine 2. I paid {$1500.00} on XX/XX/XXXX 3. XXXX  said they would remove all collections from XXXX 4. Weeks later, they were not removed but I have more collections on my report plus the old that should have been removed 5. XXXX  pulled my credit report in the form of an " installment loan '' on XX/XX/XXXX XXXX. XXXX  failed to provide me written validation of this medical debt, and no I wish to not validate it over the phone
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report # XXXX. Again, XXXX sending over FTC Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit report entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that you have 4 business days to remove the reporting of any inquiries in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Bank account or service

My business checking account with First Niagara was actual just acquired by KeyBank. I made bill payments on XX/XX/XXXX and XX/XX/XXXX with First Niagara. Seven of my customers ( long standing ) stated that they did not receive their checks. As of XX/XX/XXXX KeyBank took over First Niagara operations, it has been chaos ever since! I have spent XX/XX/XXXX month on the phone with KeyBank representatives ( multiple, who all give me a different story ), hours on the phone and in the branch bank trying to get some resolution! My customers and a automated bill pay alert from First Niagara are stating that the customers never cashed their checks, while KeyBank is stating they did! Due to a misunderstanding of how bill pay worked at my particular bank! NO ONE at KeyBank understands that when I submit a payment on bill it is automatically taken out of my account! This was confirmed by my branch office. The customer service representatives at KeyBank not only argue with me about it, but also when I have my branch call. NO ONE can even given me evidence that they were cashed ( a standard banking practice )! In the mean time, I have double paid 7 of my customers due to bank not knowing what they are doing! This should have been a easy issue! It has turned into a nightmare for me and my business partner!
Product: Credit reporting or other personal consumer reports

i checked my credit report and saw account and inquiries i didnt authorized. i have never give my personal information to these creditors. i dispute these inquiries and account. i did not authorize them