23daVinci/CFPB_Complaints huggingface dataset:
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. 



XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX4, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States | have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit 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 XXXX : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Experian they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Experian about my credit profile.
Product: Debt collection

I've reached out to Exeter finance Corp on several occasions as well as all 3 credit bureaus to advice this account with Exeter is fraudulent and was open under identity theft. I've sent in numerous police reports and notarized affidavits for over a few years now! This a violation of the fair reporting act! XXXX and XXXX XXXX have complied and removed the erroneous account, but Exeter and XXXX haven't which has put a major hindrance on my life!
Product: Credit reporting or other personal consumer reports

Hello, I am writing this to dispute the following inquiries off of my Equifax report. This has caused me so much stress recently as I am getting denied from a XXXX XXXX and my score crashed. I have already contacted Equifax to freeze my file and dispute these. I also filed an FTC report for fraud. These are fraudulent inquiries and need to be immediately removed. I have attempted to contact these companies but I can't reach anybody! Please get these removed as soon as possible or I will seek legal action. Again, these were not made or authorized by me. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was buying a home in XXXX, XXXX, with cash. On closing, I was in touch by email with my Title Insurance Company in XXXX XXXX, XXXX ( XXXX XXXX ) and my realtor in XXXX ( XXXX XXXX ) about wiring the money to the Title Insurance Company. I was not happy about wiring the money and asked if I could give a check when I met up in person with the both of them in XXXX XXXX but XXXX XXXX would not accept a check. I had problems wiring the money from my Citibank account in XXXX XXXX to XXXX XXXX and it took about a week to iron out problems with Citi as to how I could send it. To complicate matters I was in the XXXX looking after my frail XXXX year old father when the money was due and had to speak daily on the phone to Citibank Wire Services in the USA. Closing date was XX/XX/XXXX. On XX/XX/XXXX, a scammer, using the name and email of my Title insurer - XXXX XXXX -  intercepted our emails and instructed me to send {$220000.00} by wire to XXXX XXXX account in XXXX XXXX in XXXX XXXX. I questioned the bank details with XXXX XXXX as the account was not in XXXX but was assured that the HQ of XXXX XXXX was in XXXX. I knew this to be true and finally went ahead and wired the money on XX/XX/XXXX. Within 2 days I had realised that I was not emailing with the real XXXX XXXX and reported the theft to Citibank. Two amounts were returned to my bank account in XXXX XXXX - {$34000.00} and {$22000.00}. The amounts were wired to me from Citibank in XXXX. Since then I have been in contact with XXXX XXXX of Citibank as well as reporting the fraud to the FBI, XXXX, OCC, FHFA OIG, the Department of Justice, Federal Trade Commission, the Attorney General of XXXX XXXX, and the Attorney General of XXXX, but I have as yet received no further information about where my missing {$160000.00} has gone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX Block Request Dear Sir or Madam : I am a XX/XX/XXXX The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX. 
Accounts : Account numbers : OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XX/XX/XXXX, so I do not need Experian to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have beenXX/XX/XXXX if the consumer has provided documentation of XX/XX/XXXXto the agency. I have attached a documentation of my self attestation to you Experian Survivors do not need to provide additional evidence to prove their connection to XX/XX/XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I fell at work and was off because of the XXXX. The Creditor Victoria Secret credit card was calling my employer and giving my boss information that I was behind on my payments, what I owed and the min. payment. I was not late and the payment and dates did get matched together. I guess they kept applying the payment to the previous month. 

I am upset and have closed the account because of the disclosed information to my employer. If they could not get a hold of me, they should have sent a letter. My personal information should never be given to anyone. 

When I complained to the " Manager '' they said they have the right to call my employer. I informed him that he could not give out my personal information to my employer. 
I closed the account in frustration. I later opened a second account, but this practice is against the law. What can be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  transunion will not give my credit report
Product: Debt collection

I 'm a victim of identity theft someone took my information and opened up accounts in my name and I just found out about it this is unbelievable it 's killing.
Product: Student loan

My student loan was with XXXX XXXX, and is now owned by Navient. Since the change, I have not been allowed to pay more than the minimum balance each month. With XXXX XXXX, I was paying far more than the monthly minimum in an effort to pay the loan sooner ( interest rate is quite high ). Navient does not permit advance payment. In fact, until XX/XX/XXXX of this year, every check I sent, directly from my bank, was returned through a government issued check. I also attempted to pay electronically, but that was returned. They content that, although you ca n't pay extra in your monthly payment, you can make an extra payment ; but this was not true until they realized they were in trouble ( lawsuit in XX/XX/XXXX ). I would like to be compensated for the extra interest I 've paid since XXXX XXXX sold my loan to Navient. I would not have agreed to Navient 's terms had I any choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts was opened and several inquires listed in my name. Called the bureau explained that my identity was stolen & to remove them but they did not. I explained that this is not mine. Please help me with this issue. I have a sent them the attached police report before along with the other documentation and they do nothing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a credit card on XX/XX/20 with Capital One. On XX/XX/20 I received a denial letter due to Capital One unable to get my credit score, therefore wasting a hard inquiry on my credit report
Product: Consumer Loan

In XXXX XXXX I took out a loan with Springleaf Financial. I spoke to the lending clerk before coming into the office and she told me to make sure that I bring in my driver 's license, birth certificate, social security card, and a voided check. When I got into the office she quickly went from page to page having me sign where needed as it was close to closing time for them. She told me what to write in for the collateral items for the loan, and also told me to write in whoever for the references as she was not going to call them she said. Lastly during this visit she asked me if I wanted to set up automatic payments using my checking account, I said no that I would prefer to pay it manually, however she made a copy of my check and said that this was for proof of a checking account and sent me on my way. After having a chance to read through the loan terms I found many many things that were deceptive. Like the extended first payment charge which I did not request and would have been against if I would have seen that during signing. 
Now a little over a month later, Springleaf pulls the payment from my account exactly like I asked them not to do. So I had this payment returned through my bank. Now upon this being sent back to Springleaf is when they realized they did not even have my signature to pull the payment and called me asking me to sign the form that was sent to me in the mail, which I still have in my possession because I did not allow this. This happened on two more occasions where they pulled money without my permission, once being a double payment to make up for the prior month. Which working in a XXXX, I know this is against ACH originator rules and regulations. 
In the meantime I tried contacting them through email regarding the situations on XXXX XXXX XXXX. I gave information to identify the account and prove I was a customer and never heard back from them after this. I said in the email that I did not want to be contacted by phone, only email. However they still continue to call. Once having even calling my employer, which I never gave permission for either.
Product: Credit card or prepaid card

I order an item from Walmart.com and the item was never received by be or anyone in my household. I called the credit card company to tell them that my packaged was never received by me. but they believed Walmart since walmart shipped the packaged and have tracking number but it does not have any proof of delivery. I even went as far to file a police report but they told me I could not do that since nothing really was stolen from me .walmart is telling me I need a police report which the police wont give me. so that is the reason I try a dispute with my credit card company but they sited with Walmart. what a surprise. thank you
Product: Credit card

on or around XX/XX/year>, I was contacted via email by American Express promoting an upgrade to my existing American Express blue card to an American express blue plus card. I applied because they offered interest-free promotionsinto XXXX since this was pitched as an upgrade, I assumed that my auto payment which I was making on the American Express blue card would continue over to the upgraded American Express blue plus card . The first statement on the American Express blue card not contain any information regarding status of the payment process so I assumed that my auto pay would continue since the blue plus card was pitched as an upgrade. In fact, when I went into the American Express blue card account, online, my checking account to which I had had the American Express blue card payments automatically withdrawn from was available to be checked. But I was never informed that I needed to check this box in order to continue my automatic payments. I discovered all this on my XXXX statement, which had a penalty charge and an interest charge. I have no record of any communications regarding my American Express blue plus card. I note that I regularly get email notifications regarding my American Express blue card, but not the American Express blue plus card. I find this to be false advertising, and misleading. In violation of the various laws, including the Federal Trade Commission rules. Am requesting or have requested that the penalties and interest be reversed and that my promotional interest free. Be reinstated. They have refused saying they did not have the ability to make those changes, which I know is false. Any company can make any change they want to as long as it does not violate the law, and certainly reversing the charges and interest in reinstating the promotional. Certainly would not violate any law. 
to add insult to injury, I tried to turn on auto payment and could not. As it stated that it was unavailable. in addition, I looked up rewards and the webpages totally confusing stating that I had earned XXXX points in XXXX at the top of the page, but lower on at said that I had earned in excess of XXXX points. This just another example of the misleading information that American Express is providing to cardholders and potential cardholders which I believe bolsters my complaint regarding their misleading information, or at least incomplete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries from XXXX and Experian that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud.

1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX
Product: Debt collection

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

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

This company Sage stream, I have never heard of and have NEVER done business continues to request my personal identification saying I requested a security freeze on XX/XX/XXXX but that is an absolute LIE by Sage Stream! I have repeatedly said that I didnt request that. 

They refuse to add me to the DO NOT CONTACT list/opting out of all contact because again I have never done business with them and never will. 

Why would I send my personal identification to a company that I have never done business with? 

Federal law makes clear from the Telephone Consumer Protection Act, to the XXXX XXXX, to the Fair Debt Collection Laws, that I dont have to provide identification to demand that a company cease all contact. 

Sage Stream violates federal law by insisting on identification to opt out and do not contact which violates federal law. 

I have asked them for an address to serve them with a lawsuit for violating my rights and they refuse to provide it. 

But yet they feel they can ask for my personal identification documents when I have never done business with them and did NOT initiate a security freeze on XX/XX/XXXX like they falsely claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO CFPB: XXXXI RECIEVED NO RESPONSEYOUR COMPANY HAS NOT TAKEN THE RIGHT AMOUNT OF TIME TO INVESTIGATE THIS PLEASE BLOCK THIS FROM MY CREDIT REPORTRespond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so despairing. What is happening with you XXXX XXXX TransUnion credit Bureaus? FYI, this debt was paid to the original creditor and has no business continuing to report it as a collection account. In fact, I never had a contractual obligation with this collection company and they are fraudulently claiming I owed them! Please review your records regarding this accounts, as we have established the bureau 's propensity for reporting inaccuracies. You are violating Fair Credit Reporting Act law section 611 for reporting inaccuracies on my file. This will be my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Mortgage

The purpose of this cash out refinance was to pay off auto loan, credit cards and personal loans that had balances over $ XXXX. To date they all are 2 months past due due and some closed due to my inability to pay them. This refinance process with my mortgage company has cost me a severe drop in my credit score as well as financially. To date I have no answer and now due to my drop in credit score in the accounts my mortgage company was suppose to pay off I am unable to end this and go else where. 

Here is what happened : ( XXXX rep- XXXX ) XX/XX/XXXX applied for a $ XXXX cash out refinance through my current mortgage provider. Current balance was $ XXXX. A prepayment of {$600.00} for appraisal fee was required. Appraised at $ XXXX. I received a conditionally approval email due to additional documentation and a mold remediation needed for small areas in the basement then a follow up appraisal to be done. Mold remediation done then charge additional {$200.00} for a re-inspection. 
Told I was all set my application was no longer in underwriting and that a Title Company would be reaching out to me. Weeks passed then I called for an update said I needed daughters birth certificate and my complete divorce decree. Emailed as well as uploaded via website portal. Weeks pass again no word so I called now requesting bank statements again. Sent via email and portal. More weeks pass and messages for my processor to call me back never returned.

( XXXX  ) finally spoke to expressed my frustration in the lengthy process and lack of communication and no answers to my questions. She stated they needed bank statements yet again so I sent to her again email and via the portal. She assured me she would call me within 3 days. A week and a half pass so I called again and asked for her supervisor and left a message for him to call me a week and half has passed and still no call back from her supervisor. This past Tuesday XXXX I spoke with the original intake person and he apologized and called me back to say the underwriter are needing the same bank statements I previously sent 3 times again. I sent again and promised he would get to the bottom of things and send a message to my processor to call me. My processor sent me a message stating the underwriters needed bank statements yet again. Help!!!
Product: Checking or savings account

I was taking Money out of the ATM XXXX at XXXX XXXX, the money was sucked back into the ATM amd not returned to the account?