23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an authorized user on my account who tried to get his free annual credit report and XXXX  was unable to provide a report. I called Capital One in XX/XX/XXXX, and spoke with a representative about XXXX  and also explained that the authorized user applied for credit with a company that uses XXXX and was unable to get a credit score. He told me that Capital One reports to all three credit bureaus and it's not Capital One 's fault if the credit bureaus don't report the information that Capital One is providing. I have since learned that Capital One has not reported to XXXX at all. I am uploading, per his permission, a copy of his credit report from XXXX  dated XX/XX/XXXX. I am requesting that you report this authorized user 's Capital One account to XXXX   and that you also add on our previous address. The authorized user 's XXXX report needs to checked for updates to report the correct information. Can you please check my other authorized user also and if it has not been reported to XXXX, please do so. Can you please explain why on his XXXX credit report why Capital One wasn't reported until XX/XX/XXXX dated XX/XX/XXXX, when he became an authorized user in XX/XX/XXXX and why the phone number is not updated that was done months ago. Authorized user 's XXXX credit report is also being uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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

Received an alert that there may be fraud or bad information on my credit report. Attempted to file a dispute with the company.

The companies web site would not let me log on to account.

Tried to report technical problems but can't do it through the web site.

Attempted to call the company at the number provided.

Could not get past the limited computer generated options to speak to a person, report the suspicious activity, or receive technical support.

I spent over two hours trying different ways to speak to someone at this company to with no success.

This is very frustrating!!!!!!!! 
This is the worst customer service I have ever dealt with.
Product: Bank account or service

I have reason to believe my account information for my Wells Fargo accounts was accessed by Wells Fargo personnel, without my permission.I contacted WF to get records of when my account was accessed, without my permission. They refused to release that information to me. They assured me that they address those situations in house, and that their policy is not to notify a customer when a WF employee accesses customer account information. I therefore as a WF customer have no way to know if my account information was viewed by WF employees, even if there were no unauthorized accounts opened. I still consider that to be a breach of confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX  @ approx XXXX XXXX & several dates & times prior have called the phone number and gien the code to agents of Equifax as instructed on pop notice when I logg into my.equifax.com account. Agents ask for copy of my driver 's license & social security card with no futher explanation, agents refuse to email and/or send the request and instructions to me by email and or united states postal service. I advised the agents having problems with my writing functions and will need special assistance. Agents still refuse, I activate call recording and ask agent to give my the information verbally, the agents then become irrrate to me recording, I attempt to explain since the agent can not mail or email the request with instructions I need to record the information that the agent is only willing to give to me verbally over the phone, agent continues that if I'm recording the will disconnect the call, I then re-state my purpose so I have the information they are giving to me for use at later time so I can comply with thier requests for my driver 's license and social security card, I also remind the agent that they are recording the call. It's really strange that this company is refusing to provide their request in writing or willing to allow the verbal request to be recorded. The company is violating Americans with disabilities rights.
Product: Debt collection

Initial Dispute for Validation was sent via certified mail to Security Credit Services on XX/XX/2019. On XX/XX/2019The correspondence I received is not sufficient validation of this debt. I have NEVER lived at the address shown on the copy of the statement you have given. I am not associated IN ANY WAY with the Leese in contract. The balance reported on my credit report is also being reported incorrectly. Please be advised this is my SECOND WRITTEN REQUEST. The unverified account listed above remains on my credit report in violation of Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed a certified letter to Transunion disputing a number of unverified items accounts listed on my credit report. I received notice that Transunion received this letter on XX/XX/2019. Transunion responded to my dispute on XX/XX/2019 to all the accounts listed, but failed to provide a result on the XXXX XXXX account. It is now XX/XX/2019 and I have not received a response regarding the investigation of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I checked my XXXX credit score it dropped XXXX points now I'm trying to figure out what went wrong it says missed or late payment for auto loan I immediately call toyota financial services to inquire they tell I'm actually paid ahead on loan meaning I have paid more then agreed on contract so how can XXXX drop my score toyota financial states they didn't report anything to credit bureaus now I'm thinking I have proof I made a payment it's in my email for XX/XX/2021 this needs to be fixed immediately toyota denies any wrong doing so it's XXXX fault and needs to be fixed
Product: Debt collection

This XXXX calls my work and cell leaving me message and telling me that there is a case filed against and they need my HR department for garnishment of my paychecks she would not tell from who and when asked to send me the info through mail she got upset. I also told she is harassing me at work
Product: Credit card

US Bank provided a response that I met the promotional terms and the {$20.00} was credited. However, after reviewing the XXXX billing statement, I can confirm that the {$20.00} statement credit you referenced does not appear. Instead, there is a {$15.00} recurring bill pay promotion, but no record of the {$20.00} credit being applied. 

Given that the promotional terms were met and you confirmed the credit should have been added on XX/XX/XXXX, I demand that the {$20.00} credit be applied to my account immediately. Please ensure this is corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and Id along with my ssn card was stolen. I call Experian XXXX and XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX that I obtained my identity theft police report from. Unfortunately that wasnt possible after speaking to fraud department agent XXXX team name : XXXX who became very aggressive belligerent with me during my attempt to dispute my fraudulent inquiries. Which she stated XXXX cant dispute this inquiry because you have an account associated with it but that was a compete lie. So I then asked to speak to a supervisor and she transferred me to supervisor agent XXXX I asked him to provide me with his id number or team name and he refused it stating he cant give that information. I then acknowledged to him that his agent XXXX aka XXXX lied and told me I had an account with XXXX XXXX XXXX  and he admitted I didnt have an account from XXXX XXXX XXXX  and that he apologized for the mistake. I accepted the apology and proceeded to move on with my disputes but he informed me that he couldnt help me moving forward with my disputes so here I am now having to dispute these inquiries with the cfpb. Please delete unauthorized inquiries as follows for I dont have any accounts associated with them nor did I receive any credit from them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I signed up for Coinbase, thinking that it would be a good idea to start investing in stocks and cryptocurrency was mentioned by many people suggesting that I and others should start investing. I went ahead and signed up for Coinbase at the end of XX/XX/XXXX. On XX/XX/XXXX I invested small amounts, XXXX totaling in {$20.00}, XXXX totaling in {$10.00}, XXXX totaling in {$15.00} ( one {$5.00} was on XX/XX/XXXX and the other 2 were XX/XX/XXXX ) and XXXX totaling in {$10.00}. I let the money sit and I had planned on keeping the money in those accounts to hopefully grow, but I had run into some personal life situations to where I need money to keep afloat, granted I do n't have much invested but anything is better than nothing. On XX/XX/XXXX I proceeded to withdraw the money I had in all 4 accounts to put into my XXXX XXXX, which totaled out to be {$40.00} after they took out fees. I withdrew {$14.00} in XXXX, {$6.00} in XXXX, {$13.00} in XXXX and {$6.00} in XXXX. Afterwards, I went to withdraw the money to my bank. At first it showed my debit card, but it would not let me click it to withdraw into my bank. I look for my bank in the options, it is nowhere to be found. My bank does not have an XXXX number, and I have sent in a request as well to get my money back but it seems like they just scammed and stole my money and I want MY money back.
Product: Mortgage

Inaccurate monthly statements in violation of the FDCPA. Fraudulent Letters of default. ( XXXX  & XXXX  ) Fraudulent Escrow charges ( I pay my taxes & homeowners ) Inaccurate credit reporting resulting in a big decline in my credit score which was perfect!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a couch from XXXX XXXX on XXXX XXXX for {$300.00}. She asked me through XXXX XXXX to use PayPal Friends and Family which I did. The transaction went through. When I returned to the conversation on XXXX XXXX, the conversation had disappeared and so did the listing for the couch. I realized gthat i had been scammed and immediately went to PayPal to dispute the transaction. I was refused as it said that since I used " friends and family, '' I was not covered under buyer protection. I tried to send a message to the seller, and I could not ... it said that I could not contact the seller. So, I called PayPal in a panic. They said that since I used " friends and family, " I could not cancel the transaction or ask for a refund, that the money was transferred and I had to pay it. I asked what i should do since I suspected fraud. they said to contact my bank since the transaction ahd not, yet, gone through. I did that and my bank said that all they could do was to close my account and to open a new one. I did that. The next day, i got an email and a few phone calls from PayPal saying that I owed the {$300.00} and that I had to release these fund to them from my bank. I refused and, now, I see that my account on PayPal is deliquent for the {$300.00} and that I can't send or receive funds though PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX Ive already included this in my previous Complaint # & I am including it again.,
Product: Student loan

Both Fed and non Federal loan should be able to be checked, I have both. I was injured on the job and because my employer chose to keep me employed and use the feral program for reeducation before my separation was forced, I ended up with both problems of having to fund my own and use loans as well as face unemployment with injuries. XXXX with XXXX with time. This was known to the first application then sold to the next holder and always mentioned by myself to the originator and have not for so many years been offered help to apply for forgiveness of some kind if at all available only to differ under forbearance. All the while the state has full overview of my case seeing that it was to provide for medical care for life yet the private and the state insurance are and where both the same ... ... .I have been manipulated by the legal hoops that lead to help and the state regularly through the private section controvert me regularly. Upon the provision of the state know that the case is for life. Also particular to my case there is no primary designated to oversee any needs or forms they knew this at the time of agreement. Any how I have regularly attempted to go back to school and finish some course work regularly but have struggled more recently with time elements. and funding even for tuition that would have been covered by the employer had they not snubbed me, scrubbed me, forced me to resign. Some thing stinks and this is only the short outline of happenings. Thank you Regards
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed accounts had violated my federally protected rights of privacy under 15 USC 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX * 5 USC 1681, section 604 A Section 2 : also states, a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 crime, which add a date to the report by more than seven years. 15 USC 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 calls to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

I am demanding to opt out of any reporting of my personal or public information. I have not consented to nor authorized the reporting, housing, selling or furnishing of any information relating to me or any accounts associated with me or bearing my name. Any information whether personal or financial that you are in possession of without consent and have furnished or sold to non-affiliated third parties you are guilty of aggravated identity theft and it's causing me financial harm. 

I am demanding the deletion of the public record, the bankruptcy that is currently reporting with your company as you are not able to verify the accuracy of this information. If you can verify this account, please forward me the appropriate information. Otherwise please opt me out from any further reporting of any of my information. 

In addition please send me my full consumer disclosure file pursuant to 15 USC 1681g ( a ) ( 1 )
Product: Checking or savings account

I received a {$4600.00} dollar check from the XXXX XXXX. On XX/XX/2021 I deposited that check. when I went to go get cash out I found put that bank of America placed a 10 day hold on it. At first they told me that the check was no good. After calling the XXXX  XXXX XXXX office I found out that they had released the funds to bank of America and they were lieing about the deposit. O told them that my rent is going to be late if they hold my check for 10 days. Then bank of America got sarcastic and said that it was for my own good. The check was never bad because I called back bank of America and told them that the funds were with bank of America and they could care less. they are holding this check for their own good not mine. I'm going to be late on my rent and bank of America could care less all they want is fees. Can someone PLEASE HELP
Product: Debt collection

I got a phone call from a Mr. XXXX, he left as voice message stating he worked for an attorney named XXXX XXXX. He was making a final attempt to deliver a summons for court. He tried my home and my work and could not locate me. If I needed any further details, please contact this legal firm. If I did not contact them, it would result in further legal action without my knowledge or consent. I have been served. 

I then called and spoke to Mr. XXXX and told him that I don't have a place of employment, and that I was on Social Security. I also told him that I don't recognize that debt. It was from an Orchard Bank, for a XXXX Visa card, in the amount of {$1800.00} He told me that they would take me to court and I would pay all fees therein, which would amount to approximately {$4000.00}. 
I asked him what was charged on the card and he said he couldn't tell me that information, but I could ask the judge for them to reveal that, but it would cost me another {$1500.00} because we would both have to show up in court again. 

I advised him again that I was on Social Security and could not afford this debt that I wasn't even sure was mine. He had all my personal information. He stated the debt was from XX/XX/XXXX to XX/XX/XXXX, This is 12 years ago, and this is the first I have heard of it? I told him that I was afraid that this might be a scam. He said it was not and gave me the attorney name of XXXX XXXX. 

He also said that he could put me on hardship program of $ XXXX/month, and that would come out automatically every month. He said he would talk to the attorney, and make sure this was a good offer and he would get back to me today. He called and left a message today that the attorney would give me two options and to call him and we would get this going. He emailed me a Docu-sign that I was supposed to sign and email back, it had two offers on it, but I was afraid to open it, so I didn't.