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 Comsumer rights to privacy and confidentiality under 15 USC1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Sates I Have the rights to privacy.

15 U.S.C. 1681 selection 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

. 15U.S.C. 1681. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XX/XX/XXXX - initial contact where I reluctantly gave debit card information for the withdrawal of {$100.00} based on series of information given to and a prior engagement. 
XX/XX/XXXX - per bank statement, automatic withdrawal ( unauthorized ) posted of {$150.00}. The phone number is listed as XXXX is on the statement. 
XX/XX/XXXX - email sent regarding XXXX, cancellation, and refund. 
XX/XX/XXXX - called to cancel and get a refund. Was informed that it would take five to seven ( 5-7 ) business days. Will check on XX/XX/XXXX. **per email, call XXXX XXXX XXXX. I did not see this email until later. 
XXXX XXXX - informed there was no refund issued and nothing in the notes regarding one. Assured me that she would forward the account to the Refund Dept, and they will get back to me. I was not given a phone number or reference number for a follow-up. 
XX/XX/XXXX - I called re : no refund. XXXX informed me that had I canceled within 30 days, I would have been issued an automatic refund. I was shot down when I protested that I should still receive a manual refund versus an automatic one. No luck. I then informed XXXX that I would go with my original process with XXXX.
Product: Debt collection

On XX/XX/2022, I spoke to a XXXX from XXXX XXXX XXXX XXXX regarding monthly charges that were being automatically deducted from my checking account for an alleged debt to Loan Me. I authorized her to take a ONE-TIME payment of XXXX and requested that they provide me with an accounting of any and all payments made on this alleged debt as well as the original paperwork from Loan Me. Once this was received by them, I would be able to confirm what was actually paid or owed. Instead, I received a simple XXXX spreadsheet showing payment to them ( XXXX XXXX ) rather than all payments made on the loan. When XXXX called me this past Tuesday, XX/XX/2022, I explained to her that although I received the email from them ( sent by an XXXX XXXX who I have never spoken to nor do I know ) I had not had an opportunity to look at it yet. Now today, they have resume UNAUTHORIZED debits in the amount of XXXX} from my checking account. I have already reported this to my bank as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a report on Federal Trade Commission website on XX/XX/2019 about an unknown/fraudulent BK reporting on my credit report and have sent the copies along with my info and letter with explanation to the reporting bureaus ( XXXX  and Experian ) on XX/XX/19 to remove the incorrect reporting from my credit reports. They have all the necessary documents in order to take an action and to remove the incorrect info, but instead they refuse to do anything.
Product: Debt collection

Company went to the courts to get a judgement with credit card statements after I have been in contact with numerous credit cards and loans places informing them that I either did not try to get a loan or charged credit cards. These different places are claiming that they are sending certified mail which is false. How am i able to fight and or settle something that I don't recall. They are attempting to collect this debt by bypassing and forcing judgements with just statements. Within the last month and a half is when they started sending mail first class in which I did get and have answered them. I would not have known that it was even going this far until my bank was compromised. This firm should not be given the go to to do such things if not going through the proper channels. Please help. These are extremely hard times and people should not be bullied by large companies that are able to keep filing and using tactics and going through loop holes holping that they are able to just snatch payments. I have a police report in 2019 where my mail has been compromised, I live in a building so there's always something with the mail. At any given day mail could be splattered throught the desk. Its just a mess and now Im being penalized because I didnt even know what was going on. Help
Product: Checking or savings account

I opened a checking account with Citizens Bank on XX/XX/XXXX. They advertised a {$400.00} welcome offer upon ( XXXX ) receiving a direct deposit of {$500.00} or more within 60 days of account opening ( {$300.00} ) and ( XXXX ) using the linked debit card towards new purchases, {$2.00} per purchase, XXXX purchases maximum ( {$100.00} ). 

I made my initial direct deposit of {$500.00} on XX/XX/XXXX, 11 days after account opening. It is now XX/XX/XXXX, and I have still yet to receive my welcome bonus. 

Actually, upon account opening, it took me several calls and months to receive the corresponding debit card for the checking account. I don't recall the exact date of arrival, but my email confirmation indicates that I received the debit card around XX/XX/XXXX, nearly XXXX full months after account opening, disqualifying my eligibility for the debit card portion of the promotion entirely and to which I expressed my disappointment and dissatisfaction. I was told that the bonus for the direct deposit portion would take sometime to process. 

I reached out again after the holidays on XX/XX/XXXX and was told that they would launch an investigation into why my account has not been credited and get back to me within the week. 

I contacted them again on XX/XX/XXXX for an update and received nearly the exact spiel in previous interactions. 

I had a hectic spring/early summer and have not had the time or energy to continue to chase them for answers. They don't seem to want to honor the promo, but I would've never opened an account with them without such an attractive offer.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information that is causing me serious harms. These accounts listed as XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting inaccurately. The accounts can not be charged off with a balance due when federal law states any balance that is over a {$1.00} is due to the consumer so Experian reporting this information is a violation of federal law under FCRA when they know the information is inaccurate. Experian previously stated they removed the information and they did not. These accounts are still showing inaccurately on my credit report and Experian has failed to removed them as stated with the paperwork they sent to my home. This proves Experian is not doing what they reported to the CFPB but instead the exact opposite. Furthermore Experian is required to send opt out notice every 30 days to the consumer so they may opt out of certain information being reported. I have received no such notice. My name is also copyrighted and trademarked which means Experian would need permission from my estate to use the property. Experian is selling my information for profit as well and listed on the XXXX XXXX XXXX which means they are securitizing consumer reports and most get authorization from whom it relates.
Product: Checking or savings account

On Tuesday XX/XX/XXXX, I logged in to my account to check my account so I could do a wire with XXXX like I always do and I noticed XXXX dollars was taken out of my account via a check. The odd part is I never received my checks and had previously contacted XXXX XXXX  company about them. Apparently they never put tracking on them and can't even verify where my checks went or who signed for them! My checks were stolen and someone took out XXXX from my account and they were able to cash it out without any security alert at my bank, call, or text which I find extremely odd! I use PNC Business Banking but after this issue I am reconsidering going to another bank!! I was told on XX/XX/XXXX to go to the bank and fill out an affidavit form and the bank would notarize it and send in and I would get the credit for my funds within 10 days while they process the fraud claim. TILL DATE, no one has been able to give me correct information, I still don't have the affidavit and I don't see how my bank is helping me solve this fraud issue! Everyone is saying different information and I would like this issue solved as soon as possible because I need to pay invoices billed to my business ASAP!!!!
Product: Debt collection

I have disputed this account multiple times, as I have never received anything from Professions Debt Mediation ever. I wrote them letters to the address they reported to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I do not believe they have received my mail. I checked again and found an entirely different address on the XXXX  website, where I have also complained now. that address matches the one on my XXXX report XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are reporting inconsistent and inaccurate information on my credit report. They need to comply with the Law and report 100 % factual information about me to third parties. PLEASE HELP ME!
Product: Money transfer, virtual currency, or money service

Initially, this app did not offer the are you sure you want to send to this person option until well after many transactions were placed.
Product: Debt collection

XXXX XXXX I had an XXXX done at XXXX XXXX XXXX, OH. Their billing department submitted the bill to the wrong address on my insurance card ( XXXX ). In XXXX XXXX I was notified that this was in collections by XXXX XXXX of Scheer Green and Burke. I contacted my insurance company as well as XXXX XXXX billing department to have it billed again to the correct address. The insurance company denied payment because it had been more than a year since the service and requested that it be resubmitted a second time with proof that it was billed originally after service in XXXX of XXXX ( which I verified that all of this was accurate ). Despite explaining all of this to XXXX XXXX, she still threatened to place a lien against my home and take me to court. I have talked extensively with the billing department at XXXX XXXX and have been assured that they can not place a lien against my home for the mistake they made when billing my insurance. The current situation is that this was resubmitted to my insurance ( to the correct address ) with proof of the original billing to the incorrect address as of todays date XXXX/XXXX/XXXX.
Product: Credit card or prepaid card

I applied for a credit card in my name from Wells Fargo. My husband had just received a card from them. He applied online and the card arrived in less than a week. 

After following the exact process as my husband, I received a letter that stated that my card was denied because Wells Fargo could not identify me. This is because most of our assets are held jointly by my husband and myself. In order for me to get a card, I have to submit three pieces of ID : a government document with my photo, and at least three months of documentation from each of two accounts that have only my name on them. And, they will not accept email or USPS mail, only fax or delivery in person to a Wells Fargo branch. The nearest one is more than 50 miles away. 

I have contributed to Social Security since I was XXXX. I am now XXXX  and receive a Social Security check each month. I am a retired teacher and receive a pension from the State of New jersey. Our home is owned jointly by my husband and me, without a mortgage as are all other accounts. Our credit rating is over 800. I do have two accounts in my own name, but why is this necessary for me and not my husband? 

My complaint is that because I am a woman, I have to jump through hoops to get a credit card in my name ; my husband only had to apply. Why do I want this credit card? 
A friend who was recently widowed was shocked when all of the credit cards in joint name were stopped upon her husband 's death. 

Thank you for listening to my issues on behalf of all married women. 
XXXX XXXX XXXX
Product: Debt collection

My credit report is showing a Collection from XXXX XXXX XXXX XXXX, on my EXPERIAN account, which was sold to XXXX XXXX XXXX XXXX. XXXX immediately removed this collection realizing the severity.I was not informed about this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title to collect on this debt. With no proof this account must be removed immediately!
Product: Student loan

I refinanced my federal loans for XXXX school through college student loans/Navient. It was my understanding that my loans are still tax deductible but Navient refuses to provide the needed tax forms. They state my account in ineligible. In order for them to review they are sending me a form, which will take 24 hours as they are unable to send emails out directly. I then need to complete the form and mail it back. All the form says is my name and address and that I am disputing their belief that my loan is not tax deductible. They will then review and respond and will try to expedite it. There are no direct phone numbers, they say their team doesn't take them. It felt as if they were trained to avoid any work/progress on this. Are they trying to increase tax liability? Decrease their expenses? Poor customer service at a minimum, shady and illegal potentially?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit reporting agencies have violated the FCRA section 605b which states that the Credit Bureaus are required to remove any accounts and information resulting from the Identity Theft. By submitting this CFPB Complaint, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8300.00} XXXX XXXX - XXXX XXXX Opened XXXX XXXX, XXXX Balance {$750.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$12000.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Product: Debt collection

This is continuation of the pending complaint. just to clarify information in addition to what what I submitted in the complaint. 

1. XXXX informed me that servicer can provide me the print out of chain of assignments on this HELOC from XX/XX/2012 onwards in the XXXX system. My record shoiws that several creditors changed hands from XXXX. 

2. Also certified copies of all endorsements of the HELOC Note each time HELOC was sold from one creditor to another from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EQUIFAX has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I am formally requesting that XXXX, Equifax, and XXXX remove the following items from my credit reports. It is imperative that my credit reports accurately reflect no negative items. This serves as a follow-up to my previous complaint, as I anticipate that upon updating my credit reports, the listed items below will have been removed : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} EQUIFAX : XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$74.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 XXXX XXXX at East West bank in XXXX XXXX XXXX transferred {$50000.00} to my XXXX XXXX trust account ending in XXXX. I have a federal referance number XXXX. A trace was attempted, it's been nearly 3 weeks since it was made, both banks are blaming each other for the missing wire and neither bank is acting accountable or saying if or when the money will be returned, meanwhile I have no money or way to retrieve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX and multiple other affirm accounts 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.

I have tried numerous times to resolve this issue to no avail. AFFIRM has violated FCRA regulations