23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

US Bank used the information from a commercial credit card application in a way that is not consistent with the privacy and confidentiality statement that I was provided during the application process, and in a way that caused my company harm. 

US Bank began actively soliciting my company 's business in XXXX. On XX/XX/XXXX, at the behest of US Bank sales representatives, I submitted a commercial credit card application with US Bank on behalf of my company, XXXX XXXX, XXXX dba Eddyline Kayaks. The privacy statement that I was provided stated that US Bank would " hold Confidential Information in confidence and only to those employees, agents or subcontractors or individual contractors whose duties reasonably require access to such information ... Each party shall cause its agents, employees, subcontractors and independent contractors, to maintain Confidential Information in confidence and disclose such Confidential Information *only for the purpose of performing its obligations, or exercising or enforcing its rights, under this Agreement*, or as otherwise expressly permitted by this Agreement. '' ( emphasis added ). 

On Thursday XX/XX/XXXX I was informed that my request for a commercial credit card had been denied. I thanked the sales rep for letting me know and moved on. As we had commercial credit cards already through Elan Financial Services, there was no issue. 

On Tuesday XX/XX/XXXX, our Elan credit cards stopped working. A team member was unable to fuel in XXXX ; our subscription renewals with advertising services failed ; we were unable to order critical supplies, etc. Eventually our finance team connected with an Elan service rep who connected us with our " relationship manager '' who referred to an email he had sent me on XX/XX/XXXX with the innocuous subject " Elan Corp Card Program Change ... ''. That email, that landed in my junk mail folder, stated that " its been decided we will need to either move your Elan Corporate Card program to prefund or secured credit no later than XX/XX/XXXX. This decision was made in light of the recent request of products with US Bank. '' Up until this point, I had no idea that Elan Financial Services was a part of US Bank. The promotional materials, privacy documents, and application documents from US Bank did not mention this. Elan Financial Services website likewise makes no mention of its status as an affiliate, dba, or wholly owned sub status under US Bank. It is clear that US Bank and Elan intentionally obfuscated this relationship. During the sales process and customer discover with US Bank Commercial Credit Card representatives, I informed them that we had credit with Elan, and they did not inform me that Elan and US Bank were one and the same.

More importantly, it is clear from the sequence of events and the timing that US Bank disclosed my Confidential Information to Elan team members *after* their decision to not provide my company credit under my XX/XX/XXXX application, and that their use of that information was not limited to " performing its obligations *under this Agreement* '' ( this Agreement being the XX/XX/XXXX application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX IN XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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
Product: Mortgage

Step 1 : What is this complaint about? 
I am trying to make a payment to Wells Fargo Financial Institution and they are demanding i provide my full social security number. I have identified and confirmed my PII and the institution again still demands I provide my FULL social Security number. 

Step 2 : What type of problem are you having? 
The Financial institution demands I provide my full social security number and demands I provide it per their policy. Wells Fargo has refused to provide me their policy and demands I give them My social Security Number. 

Step 3 : What happened? 

Wells Fargo is refusing to provide policy that I believe puts me and my family at risk for Identity theft and they will hold me as a consumer late if I do not give them information that they have confirmed they already have. 

Step 4 : What company is this complaint about? 
Wells Fargo Home Mortgage Step 5 : Who are the people involved? 
XXXX XXXX Employee # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express fraudulently, knowingly after many, many complaints from   XXXX   XXXX   XXXX  . American Express intentionally located an old American Express that was included in a Bankruptcy   XXXX   implying that it has been active since  XXXX .
Product: Mortgage

In XXXX, I went sent a letter in the mail that stated that a payment was missing and I called Home Point Financial. They could not understand what was going on with the account and told me they would investigate and call me back. When I didn't get a call back, the following week I called them again to inquire if the matter was fixed, since I didn't understand what the problem was. They again told me that they didn't understand what was wrong on their end and told me to please call back again, which I did. I called a third time in XXXX ( this should all be documented in their system and I'm now calling my phone company to get the phone logs ), they said everything was current and apologized. We were traveling during the month of XXXX and in early XXXX, when we were back at home, we received a letter in the mail stating that we had not paid our mortgage! I called the company immediately and was told we were late for XXXX months of payments, dating back to XX/XX/2021. Unbelievable! I asked the representative WHY this would have happened when we have always had automatic withdrawal from Home Point Financial itself. He asked me if we had changed anything with the checking account or routing number >> NO, NO, NO. Never changed anything. He informed me that it was a glitch on their end and apologized and took the 3 months of payments from me when I was on the phone XX/XX/XXXX. The representative said he would make notes to show the error was on their end and advised me to send an email to the Correspondence Dept at Home Point, which I did. 


I want a letter from Home Point showing and stating that this was their error for our records.
Product: Debt collection

Statement received from C $ I collection agency, stating I owed {$340.00} to XXXX XXXX XXXX XXXX Texas. I immediately sent a debt validation letter to the collection action on XX/XX/2022 and received a response letter dated XX/XX/2022. Inside the letter I received on XX/XX/2022, is nothing but a report from XXXX XXXX XXXX XXXX Texas, with a medical imaging name and procedure code and date and amount. This is on no office letter head or anything verifying XXXX department, this could be the Debt collector falsifying this paper for all I know. There is no other information showing me where this is my actual date, no signatures where I had this procedure, and any proof where I released this Credit agency to have ACCESS to my MEDICAL HISTORY or RECORDS, which this is in violation of HIIPAA. This is not my debt they say I owe, and I need this issue resolved
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I attempted to pay my mortgage online on XXXX XX/XX/2022. The site said I needed to " recreate '' an account. I attempted to do so, and it said my new password violated their " rules. '' I could not locate any " rules '' on the site. On Monday XXXX XX/XX/2022, I called the company for assistance. They said they were receiving more calls than usual, so I oped for a callback. In the 3 hrs, till they closed, I did not receive a callback. 
I am concerned the company has been hacked and they are trying to avoid telling consumers about it, which is illegal in California. Or they are in financial troubles and do not want that to go public. In either event, they are not helping the consumer with an issue of their making. 
To prevent any late payments, I maile them a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to the following accounts which are showing up on my credit report : XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX Charge Off Account, XXXX XXXX XXXX  XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX XXXX  XXXX Collection Account, XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account, XXXX XXXX XXXX XXXX Collection Account , XXXX XXXX Collection Account, XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX XXXX Charge Off Account, XXXX XXXX XXXX Collection Account, Medical XXXX Collection Account, and Medical XXXX Collection Account. 

I am disputing the accuracy of these accounts on my credit report as I believe they violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Furthermore, I do not recall any outstanding debts associated with the above accounts. Additionally, the addresses listed on some of these accounts are not my current or previous addresses, further raising concerns about the accuracy of these accounts. 

I urge you to investigate these accounts and provide me with a detailed report of your findings. If you are unable to prove the accuracy of these accounts, I request that you remove them from my credit report immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year>XXXX  Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Transunion Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Transunion has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information. 
o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 
o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section. 
o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information. 
o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights. 
2. Violation of the TILA : o Disclosure Requirements : Transunion failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements. 


3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : 1. Creditor Name : XXXX XXXX XXXX XXXX Account Number:XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not made by me, please deleted them from my credit report : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. To prevent this from happening I have requested the companies to only allow applications in person, placed a fraud alert on all 3 of my credit reports and I have frozen all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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

Toyota financial services has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now toyota is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked all my sensitive personal information ( SSN,  name, address, etc ) to the entire world by having XXXX security practices.
Product: Credit reporting or other personal consumer reports

Not sure what account this is and my name is not correct on the information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # 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 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a notification from Google Pay that the payment for one of my subscriptions was declined. Google Pay is set up with my bank account 's debit card. I have two accounts with the same bank and have another debit card as a back up payment. Both accounts had sufficient money to pay for the subscription. When I checked my Google Pay account, it said that my payment profile had been suspended since they were unable to verify the information. I did not receive any requests from them prior to this to verify my information and avoid the profile to be suspended. They have a process to submit information to confirm my information and I have followed the process accordingly. I submitted what they needed but did not get a response. I submitted another one and received a follow up to confirm information. They never got back to me on that one. A week later, I replied to the email requesting status of my request with no response. Today, I submitted my third request to have this resolved. I have already three subscriptions pending for payment with one at the brink of being cancelled because I have no other way to pay for the subscriptions and they won't even let me update my payment options because of the entire profile being suspended.
Product: Credit card

i called bank of america XX/XX/2017 to make a phone payment on our credit card i was forwarded to a representative who asked me verification questions about my daughter-in-law i stopped him and told him i found that very intrusive and asked to speak to a supervisor 10 min later im still waitng is this for real i find it scary NOT HAPPY still waiting for rep
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase at XXXXXXXX XXXX XXXXXXXX XXXX, the purchase was for over {$700.00}, I returned the merchandise and was told I was responsible for delivery and tax, I paid that amount and XXXX  never reported it to the company who I was paying/making payments to for the original purchase, I disputed it with both companies and it was fixed and they realized it was an error and I had already paid off the delivery and tax so, therefore, my account was paid in full and I did not owe any money. On XXXX XXXX XXXX, the account is listed as paid in full and closed but they continue to report to the credit Bureaus as charged off, missing payments, and a balance of over {$700.00} which is incorrect. I spoke to a woman named XXXX XXXX through email and over the phone and she assured me it would've been taken care of and the dispute was indeed handled and fixed but she has not helped or responded to fixing the way they are reporting to the credit bureaus I did not miss payments because I did not owe them anymore money, it is impossible to miss payments on something months after it was paid in full The balance is reporting incorrectly as well as the payment history, it was paid in full and paid off but they never fixed how they were reporting it even after I disputed it
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX