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

In accordance with the fair credit reporting act XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, division of childsupport 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
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. As a consumer, I expected a more expedited and efficient response from your agency to correct these inaccuracies promptly. I urgently request that your agency conducts a thorough investigation into the matter, removes the fraudulent items from my credit file, and provides me with written confirmation of the corrections made. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This information was on my credit report as a hard inquiry and I did not request anything. 

SYNCB/WALMART PLCC Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX SYNCB/PAYPAL Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/PAYPAL XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Debt collection

Greystone Alliance ( XXXX ) has continued to call me on my cell phone and landline about a debt that is not mine. Ostensibly, it is my brother 's. The company has continued to call on a regular basis, per the caller identification feature on my phones. I have repeatedly told the company this information and told them to take me off their call list. I recall doing this in XX/XX/XXXX. Again, on XX/XX/2019, I provided this information and told them to take my name off their calling lists. I was assured this would be done. Greystone called again on XX/XX/2019, and I repeated the information and my request. On XX/XX/2019, my brother contacted Greystone and told them to remove my numbers from their call list, and was assured that my phone numbers were removed by someone identifying herself as XXXX XXXX. Later in the morning, Greystone called me again on my landline. I called the company and requested to speak with a representative 's supervisor, and the representative hung up. I called again, and a different representative told me that my numbers were removed. I noted that contrary to what she had said, I had continued to get called. I requested the full company 's name, the states the company did business in, and to speak with the representative 's supervisor. The representative hung up.
Product: Debt collection

Hello! 

An employee of XXXX, XXXX XXXX XXXX, XXXX fraudulently charging my debit card for his insurance plus he tried to spend XXXX at XXXX online when my bank called and shut down my card because of abnormal activity on XXXX XXXX, XXXX. An employee of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX pm to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that XXXX, XXXX XXXX XXXX does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called XXXX, XXXX XXXX XXXX because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, XXXX XXXX and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

XXXX, XXXX XXXX XXXX XXXX. took me to court over an old credit card debt. The credit limit was XXXX or XXXX} and now is XXXX that XXXX XXXX XXXX XXXX bought from Main Street Acquisition Corp. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay XXXX a month. I would think that XXXX, XXXX XXXX XXXX would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XXXX XXXX, XXXX and as of today XXXX XXXX, XXXX I never received a response to that email. I did receive a letter dated XXXX XXXX, XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of XXXX, XXXX XXXX XXXX. They have some liability for this/his action.
Product: Mortgage

I am one month behind on my mortgage at Standard Mortgage I sent a payment in and they want to send it back cause 2 payments are due. My husband got laid off and we are struggling to pay bills so I wish they would accept my payment.
Product: Credit reporting or other personal consumer reports

Someone has used my information to obtain credit and rent an apartment in my name. These are the accounts that were open because of this theft. See below. Please remove these items 1. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX # XXXX XXXX. US BKPT court XXXX  Opened XX/XX/XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I didnt do like on my XXXX and my XXXX report I have XXXX XXXX XXXX on XXXXXXXX  I have a capital one inquiry on the date of XXXXXXXX  and I have another one for capital one on XXXXXXXX  them are on my XXXX report and on my XXXX  report I have south XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and capital one on XXXXXXXX  and another capital one on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX credit bureau has destroyed my credit with their incompetency..first data breach led to crooks getting my email password, running up credit cards and seeing all personal info and attempting to get money from bank account at XXXX. 
IN addition their website Dispute system has been broken for months and after hours of verifications on the phone they have refused to handle disputes which is highly illegal. 
I have attached an FTC REPORT AND A XX/XX/2020 EQUIFAX REPORT THEY SENT ME IN THE MAIL. 

I have circled on their report all of the accounts I want disputed and removed per the FTC report and FCRA.
Product: Debt collection

This CRA did not forward all my documents to the original creditor and ignored my efforts to get proof how they complied with The FCRA 15 USC 1681 623a7 and Utah law 70c-c72016, If this was complied with I would have known in advance these mistakes.
Product: Checking or savings account

I have money market and savings accounts with Discover bank.

For the last three months, I have been requesting many officers of discover bank to send me free check book, free shipping.

Being a NON-WHITE customer of discover bank, Discover bank did NOT send me even ONE check book, as mentioned above.

This is nothing but intentional discrimination and retaliation for being a non white bank customer of Discover bank.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I have no idea who or what these accounts ares or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. This report is indicating that these accounts listed on the attached letter was opened. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized as a third-party collection agent if applicable.

4. Provide a true and correct copy of the instrument by which company } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to the company, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Money transfer, virtual currency, or money service

I attempted to purchase used XXXX XXXX  on XXXX. Payment was made through Zelle and the seller never shipped the item and stopped responding. 

I attached a full transcript screenshotted from XXXX. The Zelle transfer is in dispute with XXXX ( case XXXX filed XX/XX/year> ).
Product: Credit card or prepaid card

This is the second time that Capital One has denied my access to the XX/XX/2019 statement. It is illegal to deny customers any access to their statements. Please take care of this issue.
Product: Checking or savings account

CHASE STOPPED MY REOCURRING RENT CHECK THEN HAD ME WITHDRAW AND BUY CASHIERS CHECK THEN RETURNED MY STOPPED CHECK TO PAYEE AND SHE ADDED NEW SIGNER AND GOT PAYMENT TWICE AND ON STOPPED CHECK. CHASE IS MESSED UP. SINCE I PAID TWICE AND CHASE CAUSED THIS-I WOULD LIKE PAYMENT FROM CHASE.
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 XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

I am a scam and Identity theft victim. In   XXXX   XXXX     two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA office.  There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX .     There are  six  people that I know who have filed police reports on these  two  and we are all working together toward getting justice.     Now, I have disputed the charges on th e Barclaycard.  THESE CHARGES ARE FRAUDULENT.      XXXX   XXXX   AKA   XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX  applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission.     Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since   XXXX   XXXX   ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their  XXXX  and see what they have been doing. Plus I am providing some picture from the  XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time.     The credit bureaus have removed the accounts. Now I request that  Barclay  remove all fraudulent charges.     I am providing some additional information.     Check out the  XXXX  page. Scroll down all the way down. https :  XXXX  They boast about money and only criminals do this.     I have provided some pictures of the scammer and they bragging.     I just want it all to go away now.     PS : I can provide witnesses and their police report upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 's & numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also state 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 then 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
Product: Debt collection

Debt Collector repeated call to my number and parents telephone number. Also, paid past due amount and debt collector attempted to get me to pay more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is essential that consumer reporting agencies such as XXXX and XXXX carry out their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I am entitled to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions, including entities that furnish information to credit agencies, have an obligation to respect customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies like XXXX and XXXX are only allowed to furnish consumer reports when provided with written instructions from the respective consumers. Neither the financial institution furnishing the information nor XXXX and XXXX have obtained my consent or written authorization to furnish my information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, and the financial institution furnishing the information, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their right to nondisclosure. The financial institution has failed to inform me of my right to exercise this option.

In addition, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report, except for records of convictions of crimes that occurred more than seven years ago, unless authorized under subsection ( b ). The reporting of this account as an adverse item without my permission is a violation of the law.

Moreover, under 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information to a consumer reporting agency if the person knows or reasonably believes the information to be inaccurate. XXXX and XXXX have not maintained reasonable procedures to prevent violations of Section 1681c and limit the furnishing of consumer reports to the purposes listed under Section 1681b.

Finally, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am exercising my right to opt out of your reporting services
Product: Debt collection

The original creditor, XXXX XXXX XXXX never sent me a bill explaining my balance. They did keep my {$2400.00} deposit. I was unaware of this balance until i pulled my credit report. I called the corporate office several times and was told a manager would call me back and never did. I have never received a letter from the apartment complex or Hunter Warfield the collection company. They have however added {$2000.00} in fees. I have mailed letters to Hunter Warfield asking for proof of this outrageous balance and demanding proof of this debt. I have gotten no response from the collection company or the corporate office.
Product: Debt collection

I do not owe this debt to this company. I was only made aware when it showed up on my credit report. The company could not show proof that the debt is mine. I have no knowledge of this debt and have never had any dealing with this company. The company couldnt provide the debt {$500.00} details. I refused to give out my personal information to them.
Product: Payday loan, title loan, personal loan, or advance loan

To whom it may concern, I XXXX XXXX XXXX, was checking my credit report when I saw that there was an account opened under my name but I never applied for this company to get any line of credit. Therefore, Im requesting proof that I opened this account and where was this account opened because I have lived XXXX  for the past two years. Additionally, I would like Credit Fresh to cease and desist all contact methods and that you remove this wrong information because its affecting my credit score and Im in the process of buying a home. Thank you for reading this matter and hope we can fix this issue soon.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Request for Assistance Account Freeze by Pionex Cryptocurrency Exchange I hope this message finds you well. I am writing to seek urgent assistance regarding a troubling issue with Pionex Exchange, a cryptocurrency platform based in XXXX. Recently, Pionex froze my account and restricted access to my funds without providing adequate justification or a clear path to resolution. As an XXXX XXXX residing in the XXXX and originally from XXXX, this situation has placed me in a precarious financial position and created significant personal distress. 

Account Details : XXXX : XXXX Account ID : XXXX Pionex Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I relocated to the XXXX in XX/XX/year> to pursue my XXXX XXXX Being unfamiliar with XXXX  financial regulations, I transferred XXXX to my family in XXXX for their essential living expenses. This action led to my account being frozen by Pionex without prior warning or guidance on compliance issues. 

Summary of the Issue : Incident : My account was frozen after transferring XXXX to my family in XXXX. 
Reason for Freeze : Compliance with unspecified international regulations, but no prior warning or clear instructions from Pionex.

Impact : Severe financial strain on my family and significant personal stress as I navigate this issue alone in a XXXXXXXX XXXX 
Attempts to Resolve : Communications : Despite numerous attempts to resolve this issue with Pionex support, their responses have been generic and unhelpful : " In accordance with our regulatory obligations and international compliance policies, we are unable to offer our services to residents within certain judicial jurisdictions. '' " We regret to inform you that we are unable to proceed with your request, as our decision is final. ''