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. '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies 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 XXXX, XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 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. 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 your reporting Service
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the 2017 Equifax data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. 

The following fraudulent accounts have been placed on my credit report and must be removed immediately : XXXX XXXX XXXX XXXX : Balance {$23000.00}, Account Number XXXXXXXX XXXX XXXX  : Balance {$1800.00}, Account Number XXXX XXXX XXXX  : Balance {$400.00}, Account Number XXXX Remove all name should only have one name XXXX XXXX XXXX REMOVE ALL HARD INQUIRES AND SOFT!!!!!! 

These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within FOUR DAYS of receiving this notice.

Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately. 

Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. These fraudulent accounts were opened without my consent, violating this statute. 

Your failure to comply with these clear legal obligations will result in immediate escalation.I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act. 

You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.
Product: Credit reporting or other personal consumer reports

Experian not removing old addresses from my Experian credit report. Please remove Old mailing address from my credit report. Please see the attached
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2021 Someone posing as Chase bank texted me and said someone had tried to wire {$2000.00}. from my account and they asked if this was me. I said NO and they said to stand by and they would be calling me. They called from the same number as is on my Chase debit card which isXXXX. They said they were going to help me protect my account. They asked if I knew someone named XXXX XXXX and I said no. They asked if I had been on an unprotected internet like at a restaurant and I said not to my knowledge .They sent me an email from chase.com to confirm their identity. I have to admit I was suspicious by I went ahead with the call. They asked for my email and I asked them to tell me my email and they just said gmail. I went ahead and gave them my email address. Then, they said they needed me to go to XXXX and send myself all of my money to protect myself until they could clear up this person trying to wire my money. I feel XXXX but I did it and of course I lost my money. Immediately after this they charged a XXXX bill of {$190.00} directly to my bank account. I did freeze my account and canceled my debit card. When I tried to call CHASE their number showed with a scam flag for about 15 minutes. When I finally got through to CHASE they put me on hold for 30 minutes and then I spoke to their fraud department. They acted like they had never heard of this scam. I have since found out several people in my community have experienced this same thing. The representative acted like it was my fault but went ahead and filed the claim. The XXXX bill has been temporarily reversed. The XXXX  transfer was not reversed. They sent me a letter saying it was authorized and so they will not return the money. I don't feel like they really tried to get to the bottom of this and I know a big bank like this has insurance so I think it is downright cruel for them to dismiss me.I also am disappointed that they have not issued a warning or public service announcement and they continue to play their commercials about how great XXXX quick pay is and how safe it is. I know also that the other people this happened to go their money back so how do they decide who gets the money back and who doesn't?? I have had a CHASE checking account for 10 years and never had over draughts until this scammer got into my account. 
Also, I will not be using XXXX in the future. XXXX doe not take responsibility for these things either. Thankfully I have an identity theft company and they are helping me. I feel like I was totally dismissed by CHASE. They didn't even say they were sorry that this had happened.
Product: Checking or savings account

I called customer service and was supplied incorrect and incomplete information on how to close my account. I was told I could do this online and it now appears I must mail a letter or go in person. No one informed me of this when they were reviewing the account. If an error was made by the representative I should have been contacted. Overall poor service and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, TX XXXX filed on XX/XX/2022 I filed a dispute regarding the incorrect items on my credit report, and it has been well over 30 days, and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX # Lease : XXXX Merchant : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Please find attached two phone calls ( XX/XX/2019 and XX/XX/2019 ) that I have received from Global Management Trust LLC using pre-recorded automated messages on the voicemail of my cellular telephone, a violation of TCPA 1991. The repetitive calls and failure to give a mini Miranda are also a  violation of The Fair Debt Collections Practices Act. The TCPA entitles me to {$1500.00} per phone call individually speaking and {$1000.00} under FDCPA in statutory damages alone plus my attorney fees, and actual damages if any.
Product: Credit reporting or other personal consumer reports

Experian put into a dispute for me regarding XXXX keeping a ( past Statute of Limitations ) record on my report. I opened this account in XXXX and the last time I used this card was in XXXX. I was not able to pay due to XXXX and loss of income among other things. 

XXXX  XXXX states XXXX  years is the limit for credit card debt can stay on the report. I have paid debt settlement companies to settle this debt and XXXX would not settle anymore due to it being past the statue of limitations! 
They are stating they will keep this on my report until XXXX! 

This is against the law and I have spoken with a lawyer and I can sue for this not coming off my credit report.
Product: Checking or savings account

American Express offered Kabbage checking accounts. I had XXXX. They stopped offering these accounts in 2023 and closed all existing accounts. My account had {$400.00} in it. I never received this balance back. I have tried calling and have been transferred to various departments and no one can get my balance back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXXXXXX XXXX {$3700.00} XXXX. XXXXXXXX XXXX {$3000.00} XXXX. Tbom bt {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Received a phone call and they left a message threatening law suit and contacting employer etc., for a " Citi Financial '' debt that was owed by XXXX XXXX, unless I call the number they left me with a reference number of the collection notice. I have blocked the number but they keep using different numbers to call from. I have the phone number they want me to call back at and a " File number '' they left me in a message. The person sounded like a male XXXX XXXX, during the first call that I returned to number XXXX and subsequent calls were by a person sounding female XXXX  person. 

The phone numbers of these calls are as follows : XXXX XXXX - 1 XXXX other number - XXXX File Number they provided was XXXX When I called unknowingly first time to the XXXX number listed above the Male XXXX American was very threatening and telling me that they will go to my employment place or home to collect!! 

I called Citi Bank with whom i had a Mastercard credit card, and they said that my credit card balance has been XXXX  for past 4 years and that there is no outstanding balance on my card which has since been cancelled. They took down the XXXX  number from me and told me they will investigate that caller ( s ).
Product: Checking or savings account

I have tried sending money to my wife 's bank account as I do every month with success. This month it gave me an error, as it is through XXXX, it should be fast transaction. But instead there was an error and the payment was cancelled. I did the transfer one more time, just in case it was just my phone. That one was cancelled too. Instead of giving me back the money or sending it to my wife 's account, the money is just missing. 

Well, I have called Ally bank every other day to report it but they refuse to make a claim or report it. They want me to wait a few days to see if the funds get returned to me. Well it's been past the allotted time they told me to wait and now they want me to wait for another 14 business days. 

I don't have the funds not does my wife. I dont understand why it is taking so long to get back to me, after all, Ally bank never sent out the transfer.
Product: Mortgage

MR. COOPER MORTGAGE LENDER UNJUST ENRICHMENT : LATE FEES : My mortgage company Mr. Cooper charges astronomical, random late fees ( mine was {$65.00} ) AND you can not make a mortgage payment unless you pay the fee first. Thus, to Mr. Coopers benefit, you would be charged additional late fees if you dispute one. I was forced to pay and they refuse to reconsider or explain why the chose the figure {$65.00} ; just that they reviewed [ my ] case and determined this the figure they wanted out of me.

Furthermore, late fees are compensation for potential damages and I can not get an explanation from Mr Cooper as to what damages causes by a 2-day late payment warrant the high fee ; or why/how they calculate different fees based on a review of the case.
Product: Credit reporting or other personal consumer reports

There is NO EXPIRATION DATE showing on my credit, see attached. This account was negative and should have been REMOVED IN XXXX! Yet it still shows on my credit a month later????? Why?????? Just because it says it was " sold '' doesn't mean that there is a collection agency or any other firm taking over the account. The account was charged off and now it's expired!
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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. States i have right to privacy.

15 U.S.C Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my instructions.

15 US.C 1681c. ( a ) X5 ) Section States : no consumer reporting agency may make any consumer report contaning any of the following items of information, Any other adverse item of lnformation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S, C. 1681 s-2 ( AX1 ) 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 reporting or other personal consumer reports

Identity Theft! There are accounts in my ChexSystems report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous hard inquiries on my account that I did not request nor authorize. I have submitted a fraud alert in the past. I have discussed this with Experian and they haven't removed the unauthorized inquiries. 

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: Checking or savings account

I am in between jobs so my account does not have as much cash as I wish it did in it. Apparently, Wells Fargo changed my account a year ago to some different kind of every day checking and it gave me a 12 month break from service fees, all of this was done without my knowledge. Then, monthly service fees just started last month I got charged on the XXXX, when my account was close to empty and the monthly service fee, put it in danger of getting an overdraft charge, yesterday I went to the store had {$4.00} in my account bought something for XXXX dollars and wake up this morning to my account saying its overdrawn because apparently a monthly service fee was attached to my account yesterday, the XXXX, which I didnt see and couldnt see until this morning. The inconsistencies of date when the charge is attached and of them changing my account without acknowledging it, and letting me know until I inquire about it is just completely unacceptable to me and with XXXX XXXX history, Im wondering how many other people are in my similar situation. How many accounts does Wells Fargo tap and take money off the top of when the customer needs it the most. There is a reason people dont bank, it is a scamthey profit off of your money and charge you to do so. The way you know its a scam is theyre willing to give you your money back every time you complain about the monthly service fee, they know themselves that it is not their best look.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Wells Fargo about a identity theft fraud of my information and seen somone opened up an account in my name and charged XXXX on a credit card. I had the account closed and a day later they re opened the account, changed the account number and sent a new credit card out with the previous balance still to pay. I called again and asked why they reopened the account because I have never associated myself with them and never will and they were confused on why it was re opened as well. Im frustrated trying to deal with this identity theft issue but if this continues I will sue them. I told them also the address on file was not mine. The XXXX XXXX XXXX XXXX on my credit report is the person who stole my identities address. Also XXXX XXXX opened a fraudulent account as well and told me the account would also be closed but has not been closed and its been a month. They opened an account and the account does not even have my name spelled correctly.
Product: Debt collection

I had an alert on my locked credit report from XXXX XXXX XXXX on XX/XX/XXXX for a debt in arrears. I called XXXX XXXX XXXX. XXXX is from Cash Central in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX. 
I have never taken a loan from Cash Central. I have never received any communication from XXXX XXXX XXXX regarding this issue.
Product: Credit card or prepaid card

Citi Bank closed my credit card without notice, and at the time it had a rewards balance ( cash back ) nearly equal to the statement balance. They have refused since XXXX of 2019 to apply this outstanding balance to at all to account leaving me with growing debt and interest that I can no longer afford to pay at this time, and have lost my job due to the pandemic.
Product: Credit reporting or other personal consumer reports

I just received a copy of my updated consumer report and I am shocked to still see the inaccurate information still being furnished on my report. This account is duplicated on my report and neither account should be on my report XXXX XXXX XXXX and XXXX XXXX XXXX Both have the same account number these items need to be removed. I have filed a compliant with the CFPB regarding these accounts and XXXX has determined it does not meet FCRA requirements therefore it has been deleted however XXXX and Experian continue to report this inaccurate information even though they are all govern by the FCRA. 15 USSC 1681s clearly states that it is the duty of the consumer reporting agencies to ensure maximum accuracy when furnishing information.
Product: Checking or savings account

They say I have negative balance when I had over XXXX $ a day before
Product: Credit reporting or other personal consumer reports

CFPB, Equifax is in violation of rules, regulations. The ( IRS ) clearly states on there website. THE ( IRS ) Clearly defined a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT.