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

Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party. XXXX ) The original creditor XXXX XXXX violated this law. My information was shared without my consent. Also JJ Marshalls is currently in violation because they have been reporting to XXXX third parties. XXXX and XXXX. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

I havent received an initial notice by mail or electronically from this company. This is my second complaint to this company.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses. The only thing that should be on my report are criminal convictions. These are violations of the FCRA. Also the account from JJ Marshall & Associates Inc on my reports is another violation.

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before. I am opting out their reporting services.
Product: Credit reporting

I HAVE FILED 3 TIMES TO THEM THAT I HAVE NOT APPLIED FOR CREDIT I WAS IN THE HOSPITAL FOR 3 YEARS IN ICU AND SOMEONE HAS MY SOCIAL SECURITY NUMBER AND A COPY OF MY DRIVERS LISC WHERE I HAD TO FILE FOR ANOTHER DRIVERS LISC, I WILL BE FILING A XXXX DOLLAR LAW SUIT AGAINST THEM I WANT ALL THIS OFF MY CREDIT ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I work with two companies why is my credit score only going up XXXX point, I am a client of Self Lender and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.
Product: Mortgage

A HELOC and mortgage loan application was arranged by Merrill Lynch with BOA, the parent company of Merrill, on our behalf as XXXX XXXX XXXX. The HELOC was refused, but we could obtain a {$500000.00} line of credit from a local bank. The mortgage loan was processed with the help of our financial adviser XXXX XXXX. The loan was refused. at the last minute, a few days before closing. Upon complaining, BOA conducted a prolonged investigation and determined that it was a clerical error in the part of loan processor, which could have been avoided ... .an apology was issued. We had to liquidate some of our assets, about {$300000.00} to pay for the balance of the house construction project. The mortgage loan at a preferred interest rate was recommended by by our financial advisers, as a part of our wealth management plan by Merrill. We claim that BOA/ML were delinquent in providing us the appropriate attention and caution in arranging the loan. We estimate that we encumbered a loss of {$300000.00} due to the incompetence of the personnel involved in the loan application process.Subsequently, Merill terminated our relationship as clients, in a hostile manner, without providing a reason. Many misrepresentation facts and falsification of numbers by the Merill personnel have been documented as a part of the investigation by XXXX XXXX of BOA. Complaints have been filed with FINRA and SEC. 
Event dates : between ... XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting

This account is not mine also was previous delete off my credit report and add back on with out proper notification of document that it was going to be reinserted back on report.
Product: Mortgage

Selene finance refuses to remove my pmi Insurance witch is XXXX a month despite my property value increasing tremendously. 

They say i dont have a good payment history and i was delinquent on my payments. 

My load was recently sold and there was a change in investor and servicer so i dont know how they can say i was delinquent if my investor is no longer XXXX XXXXXXXX XXXX Please have pmi removed asap
Product: Debt collection

I have been getting calls multiple times a week about collecting a debt owed to an old apartment complex ( that is an off-lease out-of-the-blue charge ) and they have also contacted my parents who have nothing do do with this. I also have an old roommate who has been being harassed about the same exact amount owed to the apartment complex but neither of us have received communication about how to split our payments. There is no way we will both be paying the full amount separately when it is one bill. When I called and asked about a payment plan or any help I could receive as I do not have the means to currently pay this, the collector repeated the same phrase You need to find this money in full and would not say anything to me/ offer me any assistance. Refused to discuss anything with me and repeated one sentence to me over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GAXXXX
Product: Money transfer, virtual currency, or money service

After finding out that I am being scammed by XXXX XXXX for {$5000.00}, I tried to get in contact with XXXX XXXX, the owner of the company. XXXX has not answered any of my calls or returned any of calls. Then I reached out to Navy Federal XX/XX/XXXX to initiate the dispute. On XX/XX/XXXX, they stated that due to me sending the money to the company, this does not constitute for fraud. I explained to them that the company misrepresented themselves and had me send money to another company. They also stated that because its a scam, the automatic clearing house ( ACH ) will not accept it because it being a scam. They suggested that I take this to civil court. On XX/XX/XXXX, I reached out to XXXX for assistance but they redirected me to Navy Federal. On XX/XX/XXXX, I tried to reach out to XXXX  to XXXX and I have not received any calls from him. They alleged that they are working on my XXXX warehouse but I have not seen my inventory sent to me.
Product: Credit card or prepaid card

On XX/XX/2020, my Hancock Whitney VISA credit card was charged for {$1100.00} without my permission. This charge was temporarily put on hold but put back on the card when the Dispute Resolution Department sent me a letter saying there was no billing error and I was responsible for the charge. I reported it to the fraud department but they could not help me. I saw that my rewards points on the card indicated a large point withdrawal so I contacted the rewards department and was told that the points were redeemed for an airline ticket or tickets and the balance was put on my credit card. I was told that the ticket was for a XXXX XXXX. I gave the Dispute Resolution Dept this information, but they said there was proof that it was my charge and they would not re-open the case. At no time was I sent a copy of my authorization for this charge, although I requested this each time I i spoke with them, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I don't know what else I can due except hire an attorney. Please help me clear this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally 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 numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified 13 inquiries that I did not authorize. These inquiries are negatively affecting my credit report. The inquiries in question are as follows : XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Student Loans- Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXXXXXX XXXX  - Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XXXX - Type : BXXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : XXXX XXXX XXXXXXXX XXXX Phone Number : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : XXXX  XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry Date : XXXX - Type : All Banks - non-specific - Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XXXX - Type : Bank Credit Cards - Phone Number : BYMAILONLY Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and, if the information can not be verified, remove these inquiries from my credit report. These inquiries were made without my permission and I did not authorize them.

Please take the appropriate actions to rectify this situation and confirm in writing that these inquiries have been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX today XX/XX/2024. I explained to them that I am a victim of identity theft and that there are accounts on my credit report that were not authorized by me. I have been getting many calls from different agencies about debt that I owe, that I have never once signed up for or approved. I have a police report as well as an IRS pin.
Product: Debt collection

It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX  which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. 
This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report as a result of identity theft from a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting the removal of the following accounts and inquiries from my credit file : XXXX Accounts : XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} XXXX XXXX XXXX Account No. : XXXX Open Date : XX/XX/XXXX | XXXX : {$XXXX} XXXX Account XXXX. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} Fraudulent Inquiries : XXXX 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 reporting, credit repair services, or other personal consumer reports

I'm checking my credit report and I noticed I have some Hard inquiries what I don't know about it. I want to dispute those ones and delete it because they are affecting my credit score. I really appreciate your help Sincerely
Product: Credit card or prepaid card

Back in XXXX of XXXX I applied for unemployment about a week later I caught XXXX and I was in a XXXX  and XXXX  for months on end. When I finally got to be released home from hospital I had to have someone care for me while I did therapy then my mother caught XXXX and XXXX XXXX so during this time I did not receive any mail from XXXX all the way until XXXX of XXXX I got a notice from the irs stating i owed taxes on funds from XXXX so I called XXXX they confirmed that a card had been issued and that I should call BofA so I did and BofA confirmed that my card had been activated and the funds were gone and not only did they spend my money they even reported fraud and got the money paid out to them again.they completely took over my account and so I made a fraud claim of my own back in XXXX of XXXX and they only replaced about {$4000.00} of my claim and then denied me the rest of my claim stating that they already paid me the money so basically they confusing me with the person who stole my card from me even after I explained my claim to them just like Im doing now and this has been ongoing since XXXX of XXXX. I really need some help please.
Product: Debt collection

In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 USC 1681. In addition to wrong amounts on each credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX self reported XXXX has violated my rights, and has continuously harassed me over the phone. each credit report has different amounts. 15USC 1681 section 602 A states I have a right to privacy. 15USC 1681 section 604A it states a consumer reporting agency can not furnish a account without written instructions. 15USC 1681c. ( ca ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.
Product: Debt collection

A man named XXXX XXXX from CDR called my phone number looking for my mother. I XXXX his name and company, and found him to be a debt collector and possible scammer. I did not give out information, but instead told them to send her a verification of debt and cease communication. I am an attorney and handled legal matters for her before. I did not ask for information on the debt ; I only told him to send a debt verification. He became irate and said I was " full of it. '' He called once more still seeking to get information. I am fairly sure this is a scammer. He has also called other family members looking for my mother 's information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX through the XX/XX/XXXX I had fraudulent charges from XXXX in excess of {$700.00}. I contacted Direct Express ( Comerica Bank ) and they canceled the credit card and replaced it with a new one. They submitted a fraud case so I could get my money back, later I received a letter requiring more information which I ended up providing over the phone with Direct Express. I have not been reimbursed for those charges so I contacted Direct Express again and was told they resolved the case on XX/XX/XXXX but could not provide me with information from that department and was transferred again to another unanswered location. After an hour of being on hold, I've given up. I can't get any help over the phone and no one I actually talk to can ever help me. In total there was over 30 charges to my account in three days ranging from almost {$10.00} to $ XXXX.This is the second time this has happened and I did not receive restitution the last time either.
Product: Credit reporting or other personal consumer reports

This was your final reply " We completed our review of your request to remove information from your Equifax credit file due to the information being the result of XXXX XXXX. 

For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file : You did not provide qualifying XXXX determination documentation confirming that you were a XXXX XXXX XXXX XXXX, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement ; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity ; or a determination by court in a case where a central issue is whether you are a XXXX XXXX XXXX XXXX ( which could be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a XXXX XXXX XXXX XXXX ). 

To determine the outcome of your request, Equifax reviewed your request, the accompanying documentation, the requirements of Section 605C of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. '' THIS IS THE LAW BELOW!! YOU CAN NOT DECIDED IF MY XXXX DOCUMENTATION REPORT IS VALID OR NOT. I gave you 2 self attestation letters signed by non government agencies that are supported by goverment agencies. 
Would you like me to try to call my FBI agent? Or the previous attorney general that XXXX XXXX XXXX? I don't know what else I could possibly give you to show you that it IS VALID THAT I WAS A XXXX XXXX XXXX XXXX. All of the other credit companies like XXXX, XXXX, XXXX XXXX XXXX. have approved my case to remove the items i stated were apart of my XXXX. STOP TELLING ME MY XXXX IS NOT VALID. ITS WRONG. ITS AGAINST THE LAW. If nothing is resolved my lawyer is going to come after you guys to make this right. 
Similar to the section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted XXXX documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( 6 ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX documentation under 1022.142 ( b ) ( 6 ) of this section.
Product: Debt collection

This debt is from Midland management, I believe that they bought it from the credit card company. The amount is {$2900.00}. This debt is not mine. I have disputed online with XXXX and XXXX. I have asked for it to be validated and for the company to send me the original contract with my signature showing that I owe this debt and they havent. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX Mortgage contacted me because it was a hard inquiry I didn't do or a mortgage application I didn't approved to be done on my name.