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

Improperly shared information with a third party about my medical/dental debt and services. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such 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 ; 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 a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that 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 a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 


REMOVE ACCOUNTS IN HIPAA VIOLATION : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$480.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}
Product: Vehicle loan or lease

On XX/XX/2019, the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) conducted contract fraud. The dealer made deceptive orders to sign a fraudulent installment loan contract. 15 U.S. Code 1692J prohibits deceptive forms. A car was purchased on credit, where CASH was utilized on my behalf for a downpayment. According to 15 U.S. Code 1662 dealerships are not suppose to ask for a down payment and installments. 15 U.S Code 1602G states we are the creditors. UCC 1 - 308 : All Rights Reserved. 15 U.S Code 1635 - Right of rescission as to certain transactions was not disclosed properly and faithfully. 
FINANCE CHARGE= SUM OF ALL CHARGES Finance Company involved : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

I called 4 different times to open a merchant dispute but the system didnt allow to access without SSN, and when I tried to bypass that requirement after more than 20 minutes waiting nobody answer.

I need to dispute these 4 transactions as merchandize not received. 
XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$91000.00} XXXX ) XX/XX/2023 {$90000.00} XXXX ) XX/XX/2023 {$90000.00} I went to the store in person to buy 4 smartphones XXXX XXXX XXXX, at the moment of the purchase the store didnt have on stock those smartphones so they add for free the delivery service by XXXX XXXX 
The expected delivery date given was, no later than XX/XX/2023 I never received the package, and I tried to reach the merchant to request the tracking number or shipment information, the status or even the refund or replacement. 
But was impossible, nobody answers. 
Please proceed with the merchant dispute as merchandize not received. 
Thanks
Product: Checking or savings account

I'm XXXX of XXXX, XXXX XXXX XXXX  closed my account suddenly and said there was fraud committed on my account. I just opened the account. No warning. My paycheck was returned. They put a fraud warning on my chexsystem file and I can't do anything
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these items were not authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit file. 
Fraudulent Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelle handling of disputes, practically in light of recent CFPB highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me theyre recovering lost funds was impossible and and tracking the transactions was unfeasible. The CFPB findings indicate Zelle has not only neglected consumers but also allowed to repeat off to exploit the system..
Product: Debt collection

I have not supplied proof under the DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME that no proof of the alleged debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland credit has garnished wages for accounts more than XXXX XXXX XXXX. The accounts are not on my credit report so I can not dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I pulled my credit report from XXXX  and XXXX  and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX XXXX to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion on XX/XX/XXXX was notified by me that fraudulent inquiries are listed on my credit file, to be noted : XXXXXXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX BANK XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX these are listed on my credit file, none of these were accounts I own or authorized, Transunion has done nothing but ignore my demands per fora to remove them, and are allowing potential fraud to exist on my personal livelihood
Product: Consumer Loan

I " leased '' a vehicle from BMW XXXX under the owner 's choice option. They told me that I would be able to get out of it if I received XXXX location and they equated it to a lease, but a better option for tax purposes. Now that I have said orders, they are telling me that the SCRA does not apply since the vehicle is not a true lease, but a " blue loan. '' This program is bad for military members in Texas and, I believe, is being used to circumvent the SCRA by trapping military members in a contract that is sold as a lease, but is not a lease. This is a financial burden on my family and is an additional stressor as I prepare to leave my home for a year. BMW XXXX offered to buy back the car, however I would take a {$5000.00} loss. They also offered to take both my, and my wife 's car, in exchange for a new lease, but they would roll negative equity into the lease and I would again take a {$5000.00} loss.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024 I deposited a check of {$1000.00} into my Capital One Checkings Account. After depositing the check I received an email stating that the check was successfully deposited and that I could destroy my check meaning it was able to be spent at that point in time. Assuming that the checks were valid and I could spend them, I went ahead and spent it. I then deposited another check for the same amount the next day into my Savings Account and it also was deposited successfully as stated in an email sent from Capital One. XX/XX/2024, the day after the check was fully available I received an email from Capital One saying that my account was in the negatives. When I logged in the view my account I was prompted to call Capital One for further information. When I called I was informed that the checks I deposited reversed after successfully being deposited in my account which put my account in the negative 's. Unfortunately, I ended up finding out the person who issued the checks to me scammed me. After acknowledging that my account was negative {$890.00} I then proceeded to ask what the next steps were. I was informed by the representative that my account would be closed and that the negative balance would be withdrawn from my savings account which had {$1600.00} in it prior to the negative balance being deducted from it. Leaving me with {$720.00} in my savings account after the negative balance was taken from it. My last paycheck of XXXX from my job ended up going to the closed Checkings Account ( I was emailed by Capital One on XX/XX/2024 stating that my account was closed ) That check was moved to my Savings Account by Capital One which then made my savings account balance {$1300.00} because my check was {$600.00} Currently there is {$1300.00} remaining in my savings account but I am unable to withdraw my funds due to my account being under investigation. It has now been 2 months ( Today is XXXX, XXXX XXXX ) and I have yet to recieve the check I was told would be issued to the address linked to my account. I havent gotten any updates whatsoever and this financial institution never has answers to my questions when I call. Everytime I call Im given the same response, there is no time frame on when you will recieve your check. However, Capital One didnt waste anytime collecting the money I owed them. Ive already paid the negative balance off and they still havent sent me my money. This process has been very frustrating for me and filing a complaint was my last resort. I hope that this can be resolved because Ive had plenty of patience up until now. I feel that this process should have been handled completely different and I also feel as though Capital One could have communicated better with me as a customer. I feel as though my time has been played with and this institution has not taken my case serious at all.
Product: Checking or savings account

A few months ago, my checking account with XXXX was blocked without any explanation. Recently, a similar situation occurred with my checking account at Bank of America. I reached out to both banks requesting clarification on the reasons for the account closures, but I did not receive a clear response. These account blockages have caused significant inconvenience, and I do not understand why my personal accounts were blocked. I am requesting CFPBs assistance in resolving this situation and obtaining explanations from the banks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S. Code 1681 ( XXXX  ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1681 ( XXXX  ) 15 U.S. Code 1666b 12 CFR 1026.13 15 U.S. Code 1692g 751 15 U.S. Code 1681b ( XXXX  ). 15 U.S. Code {$1600.00} 15 U.S. Code $ 1692g
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX   Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in violation!

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

I disputed an account. I received a response stating that it was deleted. I had someone pull a tri-merge credit report on my after receiving the results, and the account was still on my credit with the credit bureau that stated it was deleted.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally express my concerns regarding Experian 's refusal to comply with FCRA 605B in relation to my request to block three trade lines on my credit report. Following a recent lawsuit against Experian for their negligence, I find it deeply distressing that they continue to disregard their obligations under the Fair Credit Reporting Act. 

Despite my attempts to resolve this matter amicably, Experian has claimed that I did not submit the correct government documents. This assertion is unequivocally false, as I have provided all necessary documentation as required. It appears that Experian is not only neglecting their responsibilities but is also preferring to handle disputes through federal court rather than addressing them appropriately. 

I kindly request that the CFPB review this matter thoroughly. It is crucial for consumers like myself to receive fair treatment and compliance from credit reporting agencies, and I believe that Experian 's actions warrant your attention. 

Thank you for your assistance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX P XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

This involves Wells Fargo Bank. 
On XX/XX/2022 fraudulent cash advances were made on two separate credit cards. These cash advances were transferred to my business checking account ( by the person committing the fraud ) from which a fraudulent wire transfer was made. I notified representatives at Wells Fargo within minutes of the fraud taking place. 3 months have gone by and Wells Fargo has yet to correct the situation. 

Business credit card ending in XXXX in the amount of {$9000.00} and personal credit card ending in XXXX in the amount of {$8000.00}. These cash advance funds were transferred without my approval to the business checking account ending in XXXX from which the {$17000.00} fraudulent wire transfer was made. 

Over the last three months Wells Fargo has been dragging their feet addressing my claim. They replaced both credit cards and transferred the fraudulent cash advance amounts to the new cards. Since representatives at Wells Fargo were unavailable to discuss the lack of action on their part, I used my own funds ( admittedly in a bit of a panic ) to pay down the new credit card balances to protect my credit rating. Wells Fargo now claims that since the credit card balances are essentially XXXX, " restitution '' has been made. They refuse to acknowledge that MY funds were used and that I ( the victim ) am in no position to provide restitution. 

Most recent Wells Fargo parties involved : XXXX XXXX : XXXX ( Business credit card ). 
XXXX : XXXX XXXX ( Consumer credit card ) Please address this issue and explain why Wells Fargo shouldn't provide restitution for fraudulent credit card charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXXXXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.
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 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: Checking or savings account

Wells Fargo XXXX FL XXXX, No longer have them, but they owe me money.
Product: Debt collection

I did not authorize anyone to open an account with XXXX XXXX XXXX and the account is as a result of identity fraud. I notified both XXXX XXXX XXXX  and Prince Parker & Associates of my ftc identity theft report and I am continuing to be solicited regarding this debt that is a result of identity theft.