23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX are in violation of my consumer rights by double charging for the same account and by double reporting the same account to third party agencies and also by sharing my information without my consented written approval. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non affiliate third party any non public personal information, unless such a financial institution provides or has provided to the consumer a notice the complies with section 6803 of this title. 
Opt out ( 1 ) In general A financial institution may not disclose non public personal information to a non affiliated third party. Unless ( A ) Such a financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title. that such information may be disclosed to such third party.

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Limits on reuse of information Except as otherwise provided in this subchapter, a non affiliated third party that receives from a financial institution non public personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is non affiliated third party of both the financial institutions and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit pulled for the very first time in XX/XX/XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion Consumer Solutions via certified mail disputing Unauthorized Credit Inquiries on my credit file XX/XX/2020. The letter asked for them to remove the unauthorized inquiries from my credit report. I received a letter from them dated XX/XX/2020 that was an explanation of the Inquiries on my report, giving me information on how long they may stay on the report and letting me know if I believe an inquiry was made unlawfully to reach out to the creditor directly. I didn't ask for an explanation I asked for the unauthorized inquiries to be deleted. After receiving the letter I sent them another letter XX/XX/2020 asking for the unauthorized inquiries to be deleted from my credit file. I never got a response from the company after my second request was sent and also sent certified mail.
Product: Credit card or prepaid card

After posting a final payment in the Citibank credit card online portal ( XXXX ) to cover the balance of my account and all pending charges, I opened a chat session to request the account be closed at the conclusion of charges and payments posting. A customer service representative ( name XXXX ) responded acknowledging the chat session. Immediately with no delay XXXX requested whether I was still there. When attempting to respond to XXXX the chat window was no longer accepting keyboard input. XXXX then quickly asked if I was there and to respond or he would have to close the chat session, not even having provided sufficient time to seemingly be a delay in my responding. The chat session then closed. I verified in the same browser tab ( outside the chat window frame ) that keyboard input was being accepted. I verified in another browser tab that I was able to type in another web site name to open that web site. And was also able to type keystrokes in a text editor. I then attempted to open another chat session to make the same request to close the account. The new chat session would not accept keyboard input so I could not request closure of the account. It seems likely that keyboard input was locked out of the chat session to prevent a response for confirmation of the account closure.
Product: Credit reporting

my XXXX year old married daughter is on my report ( XXXX ) she should not be on my report. I do not co-sign for any of my Children. One of the address is wrong, XXXX is the only address. XXXX is wrong ...
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw more wrong items that I did not authorize or approve. Here are the following inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here are the following accounts that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They keep calling me, I do n't owe any money to them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act 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. 
XXXX XXXX XXXX Account Number XXXX has violated my rights I did not authorize any of these inquires to be placed on my credit report nor did I apply remove these immediately this is fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2023 a company by the name of Cred.ai, which provides a credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX licensed by XXXX XXXX XXXX, blocked my card. I reached out to Cred.ai only to be told I would receive an email with further instructions to remedy the situation. 

I received the email on XX/XX/2023 from Cred.ai support, which was asking for me to use the provided link to upload a picture of my driver license, my social security card as well as a selfie with me holding my driver license. After uploading it said that the upload was successful and was submitted. 

As of today, Ive called almost every day to get an update as to my card and why it is still blocked. Ive sent a total of four ( 4 ) emails to them asking for updates. All of which has gone without a response of any kind. Every time I call, the representatives inform me my card is still blocked and they have no further information. They inform me that they will escalate the matter and someone will reach out. Yeah, at this rate I have a better chance of winning the XXXX every Wednesday and Saturday before anyone reaches out to me from this company. 

Im tired of getting screwed by this company. Either they unblock my card and we go about our business or they REFUND ME everything that is in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I settled my whole Dept with your company in the amount of {$300.00}. After reviewing my recent credit scores from Equifax, XXXX, and XXXX XXXX, I noticed that instead of you guys reporting it paid in full, you in fact sent them a notice that I OWED you {$300.00} This in turn has opened a new negative balance on all 3 reports showing that there was a new account opened. I have called each reporting agency and all told me I have to go threw you guys and in turn, I have attempted to resolved his numerous times with absolutely no resolve. I have reported your company to the Federal Trade commission and soon going to report you to the better business bureau and the CEO as well. In turn, if it 's not resolved asap I am going to take serious legal action against XXXX XXXX XXXX. I want this and any affiliation with your company removed immediately with all 3 agency 's. I have paid the debt in full and in turn I will not allow your company to keep any negative judgement on my reporting agency 's. Enclosed is both receipts explaining exactly what your company did. 
Above is This is the receipt that your company sent to the reporting agency 's which in turn allowed them to report that instead of paying you the {$300.00} in full, that I actually had a balance ... ... ..!!!!!!! 

This is the actual receipt that should have been reported and I demand that you take this very serious and report the correct receipt to all 3 agency 's and have XXXX XXXX  taken completely off all my reports. 

XXXX XXXX XXXX, eqifax, and XXXX XXXX have all reported this as not only a charge off but new late payments and derogatory marks on my credit reports. Please tell them all that thes are paid in full. I have no emails to these company 's to send them the paid in full receipt. I want all agency 's to remove all affiliations with this account ....
Product: Debt collection

XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Not my debt tried to tell them that multiple times but they call me constantly they even threatened my life I would like them to take this off my credit report and pay me some of {$1000.00} for the harassment phone call they broke the fair debt collection practices Act plus I am not even the grand tour of that credit card or alone or whatever this mark on my credit is I did not sign any papers to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code. 

XXXX has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times, Zelle and my bank failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPBS findings indicate that Zelle not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Data breach by equafax has exposed my data to fraud and I want them to verify all debt on my credit report and delete XXXX XXXX account completely. I have been locked out of my equafax account and am unable to dispute my XXXX XXXX account that has been on my credit report over two years with tons of disputes and no validation or proof that XXXX XXXX account is even accurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the company to remove wrong name in adderss wrote of my credit file, this is the only company that is still report me with multiple names in address, have send in supporting document with my name in also address correct,
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX is reporting my XXXX  XXXX card  with a credit an inaccurate credit limit. XXXX XXXX is reporting that XXXX  XXXX XXXX  have an over 2 000 dollar credit line which is not true. These accounts are well under 2000 credit line. 
2. XXXX XXXX is also reporting all XXXX XXXX card accounts muliple times 3. XXXX XXXX is reporting closed XXXX  XXXX as closed open o - time. muliple accounts as closed open. The closed accounts are not active and with no usage but is being reported as open. 
4. Both of this actions have a negative impact on my credit vintage and fico score XXXX, XXXX  and equifax scoress.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I
Product: Debt collection

Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was XXXX.
Product: Debt collection

Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices Act?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I've provided the report in this complaint as required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit card or prepaid card

Company charged XXXX $ in late fees when I scheduled paymebts to arrive by the due date
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Debt collection

Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.
Product: Checking or savings account

On XX/XX/XXXX, XXXX a Cybercrime was committed against two of my Wells Fargo accounts where {$25000.00} was transferred from my Savings Account without my knowledge, consent, awareness, or participation. The illegal transfer was put into my checking account which resulted in a {$24000.00} withdrawal. The withdrawal was only possible because of the illegal transfer by an criminal outside source that has hacked into my computer. No financial information was ever disclosed to them at anytime. 
I notified Wells Fargo when I discovered the thief and filed a claim. After 30 days, they denied the claim and took no responsibility for their accounts being illegally hacked by an unauthorized outside criminal. 
They also failed to notify me of the transfer which was an " oddity '' and had never happened before in my 23 years of banking with Wells Fargo. 
I filed a FBI Complaint and notified the XXXX XXXX Police Department. 

I have attached copies of the FBI Complaint and the disclosure to Wells Fargo of the crime which allowed their secure accounts to be accessed without the account holder 's consent or knowledge..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus XXXX, XXXX XXXX, Experian as open. There is currently a legal action taken for fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )