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

Ive filed a complaint against Barclays due to the companys malpractice and mishandling of my personal information. The company responded to my first complaint saying that the integrity of the credit system relies upon the accuracy of information provided while showing lack of that itself. When I signed up with Barclays they never offer me in their agreement to OPT OUT from getting my personal information being shared with 3rd party entities as required by law. Therefore violating my right to privacy. 

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

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting

The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified number XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system.

Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Product: Debt collection

Upon the sale of my home, I received letters from LTD Financial Limited Partnership months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to LTD Financial Services Limited Partnership.

LTD Financial has not shown proof that this debt is owed.

Finally, LTD Financial continues to harass me with XXXX time per day to collect the debt.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by all bureau XXXX Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Here is a breakdown of potentially inaccurate information : 1. Number of Months ( Terms ) : Equifax shows 0 months as terms, which is inconsistent with XXXX and XXXX, both reporting 78 months. 
2. Comments Section : Equifax has Auto Fixed rate listed in the Comments section, while XXXX and XXXX do not have any comments. This inconsistency might indicate missing or unnecessary data. 
3. Date Last Active : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and Equifax lists XX/XX/XXXX. These dates are inconsistent. 
4. Date Opened : XXXX shows XX/XX/XXXX, while XXXX and Equifax list XX/XX/XXXX. 
5. Last Reported : XXXX and XXXX both list XX/XX/XXXX, but Equifax lists XX/XX/XXXX. This discrepancy could cause issues. 
6. Two-Year Payment History ( Late Payments ) : The XXXX and XXXX late payment statuses differ slightly across the bureaus for certain months. For example : XX/XX/XXXX shows XXXX for XXXX and XXXX but OK for Equifax. 
XX/XX/XXXX has XXXX for XXXX and Equifax, but XXXX for XXXX. 




Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX CC : CFPB FTC States Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My score was XXXX on XXXX XXXX XXXX. I paid off several accounts and my score went down XXXX, points. From XXXX, to XXXX, on XXXX XXXX, XXXX. My delinquent went from XXXX, to XXXX. My score should have risen. 
I called several times and was on hold, when someone answered they always hang up..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion keep adding back a delinquent XXXX XXXX account to my Credit report when this account does not belong to me and is a result of identity theft. The XXXX XXXX Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with XXXX and Transunion it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!
Product: Checking or savings account

on the XXXX of XXXX of XXXX  i was supposed to receive my direct deposit and it is now the XXXX of XX/XX/year> and i have not received my paycheck yet i have contacted my employer and they have stated that everything went through as was supposed to i have verified that the routing number and the account number was entered correctly the bank did have issues with depositing deposits into over XXXX customers and they said on Saturday that the issue was resolved and i still havent received my paycheck i bank with capital one, my employer is XXXX coast supply..
Product: Debt collection

Midland Credit Management has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in the past concerning the accuracy of the information that they was provided to Equifax XXXX and XXXX I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX  provided me with a document that clearly shows no signature XXXX  violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1200.00}
Product: Credit reporting

Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N/AXXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/2022, Wells Fargo Bank allowed XXXX XXXX to withdraw {$8800.00} dollars out of my account ending XXXX which was a fraudulent transaction. I called wells Fargo bank to report the fraud and they denied the claim without reason. I have been on a recorded call with wells Fargo bank and was told companies have the authorization to make any type of withdrawals from my brand new checking account. I had closed a checking account ending in XXXX on/or about XX/XX/2022, and I had lost my checkbook, Because of this I closed the account and opened a brand new account. I did not authorize any company to take any ACH or provide my new account number or routing to XXXX XXXX or any business to take an ACH payment from my account. Wells Fargo opened case number XXXX and wrongly captions this as a stop payment when it was a fraud and unauthorized payment. I have reached out to Wells Fargo to get an explanation and talk to a manager and to this day no one has called or emailed me about anything. I have proof that this company did not have access to my new account which I will be attaching to this message. Wells Fargo needs to return my funds immediately. In addition, Wells Fargo assured me that my account was secure and no merchant could take money from my new account and that authorization doesn't pass from one account to another. This is fraud and I need Wells Fargo to show me the investigation performed on this account. 
Wells Fargo knows they are in the wrong because when I opened the claim they never sent an email with the claim number, and they never followed up with a callback, in their own writing and emails when I closed my account they tell me in writing that I have to set up accounts or payements. They are trying to commit fraud against me. I have attached another claim that they handled my other claim properly see attached and it was because it was for a lesser amount and they have no problem sending me my documents correctly so I have the proof no they are wrong.
Product: Money transfer, virtual currency, or money service

Zelle knowing allowed an account to operate and receive money transfer although it was flagged as fraud account and scam account
Product: Mortgage

I sent in extra escrow payment and they credited to extras principal but it was noted om ck and payment coupon
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the banks associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the banks with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Friday, XX/XX/XXXX, my XXXX account was compromised and was used to make multiple purchases. Purchases then continued onto the XXXX and I caught the transactions then. I then contacted XXXX to report this activity, they gave me no help and stated refunds are not possible, only giving me the option to change my password. I contacted Bank of America fraud to start the disputing process and had two separate claims, finding out today XX/XX/2020 that one of my claims has been denied due to having 2 claims open related to the same merchant. The 2 claims was bank of Americas decision and I shouldnt have to get denied because of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : -
Product: Debt collection

I did not receive a letter informing me of the debt, I found out after running my credit.I called and requested a letter in XXXX/XXXX/2016 and i still have n't received one.Started making payments on a payment arrangement still have n't received a receipt after XXXX payments.Company refused to fax or send info regarding payment plan or payments received.I offered to sign consent.I called numerous times were my info was given without right party ID.
Product: Checking or savings account

Direct deposit was to be received XXXX at XXXX. As of XXXX XXXX still no resolution has been reached.
Product: Student loan

I 'm not Disputing Where are records to show my attendance from XXXX XXXX XXXX? Attendance records shows dates, months, and year and grades for students attending school at XXXX XXXX XXXX. I think promissory note should be investigated where is my signature? What date did I signed. Those information should have been provided with the statement giving. It might show in the financial database, but are you looking at the fact those are enter information that was sent to the database. Where is the original records? If you paid the school and they close by right there should have been a reimbursement check sent back to your institution? I never received the money, and yes I spoken with XXXX XXXX they never received the money either so who has it? Maybe you have the money, but its the promissory note that is tying me to paying you back? Somewhere down the line it does n't make sense? Remember for school closure the money is refund back to that institution that is last on file.
Product: Credit reporting or other personal consumer reports

Disputed account balance of {$880.00} & XXXX XXXX XXXX XXXXXXXX XXXX " 3 times. 
which both reporting incorrectly, the correct balance is {$800.00} & the correct XXXX XXXX is " XXXX ". Equifax fail to do a proper investigation 3 times delete this account. 

XXXX XXXX XXXX - # XXXX
Product: Checking or savings account

On XX/XX/XXXX  I started to purchase calculators, fireplaces and multiple other things from different websites for about {$14000.00} to resell on XXXX and I never received any of those products. I filed a police report and went to TD bank and filed disputes for everything and they said that it was a lot of money so it would take a while, months and months have gone by and still no word on my money. They are pretty much saying I wont be refunded. I talked to a lawyer and he said that the person who scammed me is probably in another country so it would be hard to catch him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account information appeared on my XXXX account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX Collection Agency I.Q. DATA INTERNATIONAL , INC Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
Product: Debt collection

Creditor exclaims that I had an account with them which is not true. my identity has remained the same at a total different address reporting from them as well. However, there reporting inaccuarte information that is really damaging my credit within one credit bureau in which there are no ties to any account.
Product: Debt collection

Sent a debt validation 3 times already this time I sent it certified mail according to the ( FDCPA ) Site 15 USC 1692G. I have the right to ask for validation
Product: Mortgage

After making the XXXX  complaint they called me with incorrect information. They claimed they had not received any tax-exempt paperwork from me. To which I corrected them, as laid out in their secure messages. 

There was no due diligence after I sent in the paperwork in XXXX. They did not change the owed amount or even attempt to recover a new amount given the tax-exempt status update. 

Since dropping this ball and trying to blame others, they have also stated that now my homeowner 's insurance from XXXX has a higher due amount than previously stated in the original contract. 

So, on top of calling me to tell me the surplus isn't there, or it might be absorbed due to their second lack of attention to detail about the owed amount for insurance.