23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared ( 15 USC 6801 ). The below mentioned companies are financial institutions, and have furnished my personal information to the consumer reporting agencies. 
- XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The above mentioned financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian do not, nor did they ever, have my consent to furnish this information and they surely do not have my written consent. 
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The above mentioned financial institutions never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' There are several adverse items within the reports furnished by XXXX, XXXX, and Experian, WHICH IS AGAINST THE LAW. The adverse items include collections accounts, charge offs, and/or delinquent accounts. Charge offs are considered certificates of indebtedness, which are qualified as income by law and CAN NOT BE REPORTED. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Checking or savings account

I am writing to formally express my concerns regarding Capital One 360 Savings high-yield savings account, particularly the discrepancy between the advertised rates and the actual experience. Despite the materials promising competitive high-yield returns, I have not received the expected interest rate. This has raised serious doubts about the transparency and reliability of the product. 

My concerns are further amplified by recent findings from the Consumer Financial Protection Bureau ( CFPB ), which highlighted systemic issues in the banking industry related to deceptive marketing and failure to honor advertised rates. These findings suggest a troubling lack of accountability that undermines consumer trust.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I demand a deletion of all personal recognizable information from my consumer report with the exception of : LEGAL NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete all other addresses, as they are not deliverable, as I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one above. Also, I'm exercising my federally protected consumer rights to OPT OUT any and all reporting of inaccurate accounts listed in the supporting document attached pursuant 16 CFR 313 and 15 USC 6802, 15 USC 6803, 15 USC 6804, any authorization given, written or verbal is now rescinded and is effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated credit report from equifax yesterday. I was notified that my XXXX card card was removed off my credit report. This account is an account this is in excellent standing and should have never been deleted off my credit report. I am requesting to please report this account back onto my credit report.
Product: Credit card

On XX/XX/XXXX i reached out about a payment plan for the credit card ending in XXXX. I requested for a payment plan to keep the account current. I also submitted a complaint for a cease and desist to be put in place. An agent I spoke to on XX/XX/XXXX said if the cease and desist is put in request then I would be removed from the workout program I said I said to the agent that I would like to remove the cease and desist and stay on the payment program. I have been struggling financially and I am on a fixed income and I am barely making it. I would like to go on a payment plan to bring the account current. And I saw a late fee of {$29.00} on the account. I would like to work out a resolution. I sent out a correspondence via CFPB dated XX/XX/XXXX and I have not received a response. This is the second complaint I am putting in
Product: Credit reporting or other personal consumer reports

On XX/XX/year>24 I sent Experian a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Checking or savings account

My email got hacked as well as my XXXX and my XXXX XXXX {$1.00} dollars was drained from my bank account I alerted my bank to file a dispute but they declined my claim, Im at the risk of being evicted from my apartments because of this and I dont know what else to do
Product: Credit reporting or other personal consumer reports

" On XX/XX/2023, I purchased a vehicle from XXXX of XXXX XXXX, although I didn't finance the purchase through them. I financed through my bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX conducted XXXX credit inquiries. On my credit report, the first inquiry is listed as XXXX XXXX XXXX, and the second one is attributed to XXXX XXXX XXXXXXXX XXXX XXXX I've reached out to their financing department multiple times, and they assured me they would address the matter with their bank. Unfortunately, they have since ceased responding to my calls and emails. I've left voicemails regarding the issue, but there have been no updates
Product: Checking or savings account

Wire transfer sent XX/XX/XXXX. 

Receiving party allegedly did not receive. XXXX was supplied. 

Receiving bank didnt confirm. 

Case investigation opened and wire transfer was retracted. 

Money was supposed to arrive back into my account by XX/XX/XXXX. My banking institute advised my on XXXX XXXX that they in fact contacted receiving bank and process takes 30 days. 

After thirty days my financial institution advised me they couldnt retract after multiple phone calls and emails from myself. But I was given no reasoning or follow up call in regards to why. And or letter to explain. 


WellsFargo - XXXX XXXX XXXX
Product: Debt collection

This is a complaint against American Express. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Debt collection

On XX/XX/XXXX, and then again on XX/XX/XXXX, a demand for validation was sent the company posted Certified Return Receipt Requested. Other than the Return Receipts there has been no response to date. 

Omega RMS, XXXX XXXX, MO. continues to verify to the XXXX Credit Bureau that the debt is valid. There is no agreement with my signature on this company 's letterhead. 

Additionally, on XX/XX/XXXX, and then again on XX/XX/XXXX, a demand of XXXX to provide a method of verification has been repeatedly ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX  XXXX  this account was opened fraudulently this is not my account please remove
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Texas There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
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 confidentially under 15 USC 1681. 

I have made several attempts with Equifax to investigate these accounts the following accounts. ( XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). However, they stated everything was complete and accurate. This is erroneous, because the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

XXXX XXXX Equifax Shows the account was open XX/XX/XXXX, but XXXX showXX/XX/XXXX. Also Equifax shows last payment of XX/XX/XXXX, but but XXXX reports XX/XX/XXXX. 

XXXX XXXX XXXX Equifax shows open date XX/XX/XXXX, but XXXX shows XX/XX/XXXX. Also XXXX shows last payment XX/XX/XXXX, but Equifax shows last payment made XX/XX/XXXX. 

XXXX XXXX - XXXX shows the last payment made on XX/XX/XXXX, but Equifax shows the last payment was made on XX/XX/XXXX. 

XXXX Equifax shows the account was open XX/XX/XXXX, however XXXX reports the account was open XX/XX/XXXX. 

1

5 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they arent even in compliance with metro 2 credit reporting. Please review attached evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

Human Trafficking debt bondage, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) 1002.142 ( b ) 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable terms which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )
Product: Checking or savings account

My account was closed without notice or warning. It stated that I violated Terms of Service. I read the Terms of Service in its entirety, and I committed no violations. I appealed the decision with CashApp, and the appeal was denied. All they said was that I violated Terms of Service and wouldn't give me any other explanation. I reached out to support again, and I was told they could provide me no other information as to even how the Terms were violated. I never did anything wrong with my account and only used it to send and receive money to and from my husband and son. I also used it occasionally for purchases using funds from my connected bank account.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 trans union report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and XXXX said NO that they and the companies controll what go on the report!!!
Product: Checking or savings account

I opened my Ameris Bank account at the XXXX XXXX location on XX/XX/21 in person with XXXX XXXX Assistant Branch Manager. From that point on, I was never able to access my bank account online to verify what funds were available despite visiting numerous branches all over the city to attempt to take care of this in person. I spoke to XXXX XXXX, VP Branch/Biz Manager at the XXXX branch , XXXX XXXX , VP, Branch Manager also at the XXXX XXXX branch , someone at the XXXX branch and elsewhere too, and finally closed my account with XXXX XXXX XXXX XXXX XXXX branch . 

Due to never being able to access my bank account online to know my balance and with the understanding I had opted out of overdraft protection, I believed I wasn't being allowed to use my money beyond what was in my account. 

Imagine my horror when I realized the bank had decided to charge me {$400.00} worth of overdraft charges when I finally received all my mail. I moved a lot while living in XXXX  for reasons beyond my control and this was a huge financial setback leading me to leave XXXX completely after closing the bank account. 

I continued to receive delayed bank statements and other bank information long past the time it was relevant leading me to believe that it is unfair that I should have been charged such high fees when I tried NUMEROUS times in person to correct this and asked them to opt me out of any and all overdraft options numerous times. 

I am not happy and will never refer anyone to this bank because their online banking is the worst. I would change my passwords, my login info and it never mattered. Nothing I used would work to access the account. Even when I called it was nothing but a hassle. 

I don't think I should have to pay that much money when I tried every way I could to prevent it from happening and they did nothing to protect my account. 

I even opened another personal account thinking that if my money went there, I would avoid overdraft fees because I have NEVER agreed to opt in and when you review the application and account information you will see the people who helped me never checked that off preventing it from happening. 

I believe they're running a showdy operation and take unfair advantage of people because we don't have access to the backend to know whether or not our personal requests have been activated. 

In addition, I was never told that the biz account wasn't closed down and money continued to be sent there when it shouldn't have. As a result, they continually took money from me for fees. I AM NOT HAPPY ABOUT THIS AND THINK THEY NEED TO BE INVESTIGATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed my credit had a hard inquiry on it for an outstanding balance of XXXX dollars for the company XXXX i went to the police station and filed the report i would like this account removed from my credit
Product: Debt collection

Left early from my apartment spoke with the XXXX at that time explained my situation she was sympathetic with my situation and I was verbally explained that I would not be charged or have to pay anything once I left that because of the reason I would have to leave the state to find work else where due to my company selling off the job site and demolition company entirely that we were laid off with XXXX  days notice to the final day of work. She said she would find someone to fill that room and I would be fine I signed paperwork she had me sign station I left the apartment in good standing and clean that I would be leaving on said date a day before my last payment would be Also they have the paper I signed saying I was leaving the apartment and the date which I signed the paper and left the keys I can not find it at this moment but the collection agency has them I was sent it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly submitted a dispute to have a XXXX credit card removed from my credit report. I am only an authorized user and not the primary account holder. I no longer have access to this account nor am I responsible for any past balances or future charges on this account. Experian refuses to remove it even though XXXX and XXXX  have removed this account from my credit report with them. 

I have tried to contact XXXX to have me removed as an authorized user ; however, the company refuses to speak to me about the account since I am not the primary account holder so I can not even get past the first person to ask to be removed.
Product: Money transfer, virtual currency, or money service

Several years ago without notice or warning Transferwise now operating as Wise, decided to close my account. They did not provide written explanation or reasons for as to why they had done so. I appealed the account closure through their customer service only to receive a response that they had decided to stand by their decision to close my account. 

I did not use the account in any way which would have violated their terms and conditions, nor did I engage in any suspicious or unlawful activity using the account. 

My only guess is that I may have inadvertently attempted to open another account at a later date, having forgotten my original account details or that I had an account with them and that perhaps this was viewed as fraudulent or suspicious. This is merely a guess. 

I would simply like Wise ( Transferwise ) to reinstate my original account or help me to recover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( XXXX ) In XX/XX/XXXX, the US based credit bureau and consumer data broker Experian suffered a data breach that impacted XXXX XXXX customers who had applied for financing from XXXX. An alleged data breach was subsequently circulated containing personal information including names, physical and email addresses, birth dates and various other personal attributes. Multiple Have Been Pwned subscribers verified portions of the data as being accurate, but the actual source of it was inconclusive therefor this breach has been flagged as " unverified ''. 

Breach date : XXXX XX/XX/XXXX Compromised accounts : XXXX Date added to XXXX : XXXX XX/XX/XXXX Compromised data : Credit status information, Dates of birth, Email addresses, Ethnicities, Family structure, Genders, Home ownership statuses, Income levels, IP addresses, Names, Phone numbers, Physical addresses, Purchasing habits Permalink. 
My email & other crucial personal information was found on the list of consumers who have been in Experians database for YEARS, which was hacked/breached.

My issue : HOW CAN I BE RESPONSIBLE FOR ANY OF THE DEBTS LISTED ON CREDIT FILE WHEN A TRUSTED U.S CREDIT BUREAU/REPORTING AGENCY 'S SECURITY SYSTEM SEVERELY FAILED TO PROTECT MY PERSONAL INFORMATION TO HACKERS? WHY IS THIS AGENCY TRUSTED TO MAKE DECISIONS ABOUT MY CREDIT, SLAP A NEGATIVE " SCORE '' ON MY FILE WHICH DICTATES THE REST OF MY LIFE ( getting decent rates for car insurance ; renting a place to live ; buying a home ; getting a credit car ; getting a cell phone contract for service, etc ). This makes zero sense to me.