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

I ordered my XXXX XXXX XXXX report and my entire banking transaction 's are listed in that report. According to XXXX XXXX XXXX the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Product: Debt collection

Creditor filed for garnishment on XX/XX/23, per court records, without sending me a required 15 day notice to pay to avoid garnishment. This is not legal. 

I only found out about the garnishment because I checked court records.
Product: Checking or savings account

Earlier this week, I was notified that my Robinhood account had been frozen due to an unknown deposit attempt of {$0.00} dollars from XXXX. I do not use XXXX, so this is a legitimate concern. 

However, in going through the customer service process with Robinhood, I have been put on hold for hours at a time and have only been able to speak to a human being once. This person told me simply to " wait until a technician reaches out to me. '' Later, I was told to verify my identity with relevant bank statements, a selfie, and a photo of my ID. I have provided all of these but nothing has happened. I am still on hold with no resolution or attempt at resolution from Robinhood in sight.

I need to be able to access these funds, as I have bills to pay and Robinhood is preventing me from accessing my life savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX they are fraudulent and unauthorized without consent. This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Please Remove.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have submitted disputes online as to the validity of the companies and debts allegedly owed, including original contracts and agreement signed by all parties involved, and also through email for some companies. I do not recognize any of these companies as ever having loans through them but theyre reporting as original creditor on my reports. I have never received the information requested and nothing ever changed on my reports. As far as disputed I either I got a determination saying its valid debt within just a few days saying the debt was validated with no proof from the bureaus equivalent, trans union, and XXXX ( which seems odd because there was no investigation ) and I never received proof. I have also reached out to the companies directly on multiple occasions through response to emails and never receive everything I asked for. XXXX XXXX, XXXX XXXX XXXX, and XXXX capital are the three companies that I can remember. XXXX XXXX was the one through email. All are reporting as original creditor and have dates saying they were opened within the last year which I know I have not taken any loans or credit cards in the past several years and none from any of these companies.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an unverifiable account on my credit report. The account is XXXX XXXX XXXX XXXX. I have asked the furnisher XXXX XXXX XXXX XXXX for proof of verification on XX/XX/year>, on XX/XX/year> They received my verification letter and never sent me proof. I have disputed this account with XXXX Equifax and XXXX ( online and over the phone ) and providing them with proof that this account shouldn't be reporting and by law a creditor is XXXX to send the consumer verification when requested. They have failed to send me proof of this alleged account that they said I owe and XXXX is still reporting this unverifiable account. This company also responded to a XXXX Complaint I had against them and in their response they never said that they have sent me proof of verification.
Product: Debt collection

none of the paper work has my name, its 2 different incorrect spelling of my name, which is a major violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car from XXXX XXXX in XXXX Kansas this past XXXX, XXXX. Before going to the dealership, I submitted my information online to be pre-qualified for financing. Once getting to the dealership, they checked my credit again without looking to see that it had already been done. They worked hard to get me financed and were finally successful. 
By the end of the week I saw the two XXXX XXXX hard inquiries on my credit report. In addition to that, XXXX XXXX checked my credit a third time without my knowing. And they also submitted my information to 11 other finance companies and authorized them to pull my credit individually WITHOUT MY KNOWLEDGE OR CONSENT. This whole process created a total of 14 hard inquiries on my credit reports ( XXXX showed all of them ) and brought my score and borrowing power down for the next 2 years. 
The first time I bought from XXXX XXXX XXXX XXXX XXXX XXXX they shopped me around for financing WITHOUT authorizing other companies to check my credit independently. I NEVER would have agreed to 14 credit checks. I would appreciate it if these were removed. 
I have tried to contact XXXX XXXX and a few of the other companies but I never am able to talk to anyone who has the power to remove these inquiries. So I am stuck with no reprieve or apology.
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 XX/XX/XXXXXXXX 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

I HAD APPLIED FOR FEW AMERICAN EXPRESS CARD ... XXXX ALL DENIED BECAUSE THEY SAID I APPLIED FOR BANKRUPTCY AND THEY USED MY XXXX CONSUMER REPORT. I CALLED XXXX... XXXX SAID THERE IS NO BANKRUPTCY IN MY CREDIT REPORT ... I GO BACK AND FOWARD BETWEEN AMERICAN EXPRESS EXPLAINING THEM THAT THERE IS NO BANKRUPTCY IN MY REPORT. AND SO ON .THEY SAID CONTACT XXXX TO FIX THAT PROBLEM
Product: Credit card

I received a call from a company that would n't identify themselves and immediately started recording the call. I asked who it was, and they would n't say and started asking who I was. I told them I would n't say unless they identified themselves. It went back and forth like that several times until they finally identified themselves as XXXX Business Card. They were recording this entire time. 

It turned out I had missed a payment. 

My complaint is that when calls like this are made, they need to ( 1 ) identify themselves immediately and ( 2 ) ask permission before they start recording. Neither happened. If this is not a requirement, it should be. 

I am also now concerned that XXXX has flagged my account as a collection problem or as an uncooperative customer. 

In a world where people are increasingly getting scammed by callers who are insistent or downright bullying, there is plenty of reason to not trust someone who calls and exhibits these same behaviors. And it most definitely should be prohibited for any credit card company to use these tactics, which puts them in the same league as phone and online criminals.
Product: Credit card

Hello, I had a credit limit of {$40000.00} dollars and I got an XXXX  Notification saying my credit score took a hit due to one of my card limits getting decreased significantly to {$30000.00}. 

I have my personal checking, savings account, home mortgage, additional checking account, a custodial account for my daughter and I have XXXX credit cards with JPMorgan Chase. 

It doesn't make sense to me how they lowered my credit limit because I make my monthly payments on time and I pay more than the required payment amount. 

I would appreciate it if you can look into this because my credit score decreased by XXXX points overnight which isn't fair at all. 

I appreciate your help and support. 


Warm Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 accurate.
Product: Consumer Loan

On XXXX, I filed an dispute with Westlake Financial Service via certified mail return receipt requested. Westlake Returned the certified mail receipt with a stamped signature by XXXX XXXX. In my dispute, I advised Westlake Financial Service to provide copy of contract with my authentic signature that started the alleged debt for an auto loan. More importantly, I advised Westlake Financial Service to provide the above-mentioned document within 15 days of receipt of my dispute. As Westlake Financial Service are aware, if the document requested is not available, the disputed item must be removed from my credit report. Otherwise, their company will be in violation of the FCRA. I did not received the rquested document within the time frame alloted by the FCRA, which is fifteen days. I subsequently, filed another dispute on XXXX with certified mail return receipt requested. Westlake mailed back to me the certified mail receipt to me with their representative signature dated XXXX/XXXX/2015. In this dispute I advised Westlake Financial Service that they received my dispute through the XXXX. Postal Service with me requesting Cerfified Mail receipt which was signed by a representative of their company. I advised Westlake Financial that they have failed to respond to my dispute with the allotted time of 10 days of receiving my dispute. Next, I advised them that they are FCRA violations that have been perpetrated by their company. More Importantly, I advised them that XXXX XXXX XXXX. XXXX, " Responsibility of furnishers of information to consumer reporting agencies '' prohibits their continue reporting of this purported item which can not and have not provided copy of contract with my authentic signature. 
I advised them that notwithstanding their flagrant violation of the law, that I am offering to settle their FCRA violations prior to legal actions with the following terms : 1. They delete this account from all my credit reports and mail evidence of their bureau notification 2. They agree to close this account and sell it to any other collector. 
3.They arrange to pay {$1000.00} for my damages. 

I advised Westllake Financial Service to respond 15 days from XXXX, it is now XXXX, and I have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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.
Product: Credit card

I opened a XXXXXXXX XXXX  credit card in XX/XX/XXXX. I was approved for {$10000.00} and at the time my credit was in the XXXX range. The first bill was due once the furniture shipped in XXXX of XXXX. The bill was paid and auto pay was set up. Months later my XXXX XXXXXXXX alerts me that my score has fell and when i looked into it, my XXXX  card was delinquent by months. i was able to pay online by the information stored for a one time payment. while auto pay is switched on it is never applied to my account. my wife emailed the company numerous times with no response. I finally called in XXXX and the person i spoke with told me that my banking info was incorrectly added and that it was now fixed. here we are in XXXX and i get another alert from XXXX XXXX telling me my score is now a XXXX i have been on the phone with customer service and keep getting excuses ranging from " since i returned and replaced two damaged pieces of furniture im not eligible for auto pay '' and " im locked out of autopay for 6 months '' or " my phone number and email are not listed on the account '' how would i possibly go into a store and not give any of this information? i have wasted hours or my time on this and my credit is now in the garbage. i have numerous late fees. i have lived my life being a responsible consumer and this company is ruining my life.
Product: Mortgage

US Bank Home Mortgage is the servicer of my home mortgage. It was " modified '' under the HAMP (? ) program in XXXX. Last month, my statement indicates " all mortgage payments are due on the first day of the month '' and after the first day are determined to be late. In other words, the 15 day window in which to remain current with the mortgage is gone. They also said they will assess a {$5.00} fee to use auto debit payments from a bank account. I do n't find anything in my mortgage documents to support such policy and fee arrangements. Also, regarding PMI payments : my principal is {$100000.00}. The market value of my home is over {$170000.00}. XXXX refuses to release the requirement for PMI. I do n't believe this is justifiable in the current mortgage market.
Product: Credit card

My complaint is with Synchrony Financial. My payment due date is the XXXX of each month. During XXXX, I made a payment on XXXX XXXX, for my XXXX XXXX payment and I made another payment on XXXX XXXX for my XXXX XXXX due date payment. I went online to pay my XXXX XXXX payment and Synchrony had charged me a {$25.00} late fee. I called and they did not want to take off the late fee because they said that my payment was late for XXXX because I did not make a payment until XXXX XXXX. So, if I had not pressed they would have pushed me to pay them the late fee. This is not right. I was not XXXX of your creditors that only pays the minimum. My payment were XXXX the minimum payment. 
This should be illegal. They would have continued and increased my principal amount with the late fee if I had not pushed for the removal.
Product: Money transfer, virtual currency, or money service

I received a check in the mail and then continue to go online at Chase XXXX Bank and then use the check cashing service to cash the check into my Chase checking account which let it be pending and then it took it out and said it was returned not authorized and now they're closing my accounts with no reason why said I would receive a letter in the mail explaining what happened this is going to cost me time and money cuz I have these accounts linked when this is no fraud or scheme of my own but on something of their own company or check cashing service that done this that I had no control over
Product: Credit reporting or other personal consumer reports

LEGAL NOTICE NOTICE OF CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES AND REQUESTING INFORMATION AND INTENT TO SUE XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX DEFENDANT : AMERICAN EXPRESS XXXX number : XXXX XXXX XXXX XXXX EL PASO, TX XXXX XXXX : XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX SUITCASE GO AFTER AMERICAN EXPRESS XXXX  XXXX TO SUE UNAUTHORIZED BONDS, SECRET CONTRACTS, DOUBLE RECOVERY, INSURANCE FRAUD, FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS CHAIN OF ASSIGNMENT - ACCOUNT # XXXX DEAR DEFENDANT : AMERICAN EXPRESS IVE RECENTLY REVIEWED MY XXXX & XXXX CONSUMER REPORTS IVE NOTICE THAT YOU HAVE AND [ GAAP ] FINANCING TRUST/BOND ACCOUNT/REMARK AS A CHARGE OFF WRITTEN OFF or PROFIT LOSS FOR ACCOUNT # XXXX AFTER FURTHER CONVERSATION WITH MY IRS AGENT / AGENCY IN WASHINGTON DC XXXX XXXX XXXX XXXX. I WAS ADVISE THAT I REQUEST A COPY OF THE 1099-C FROM XXXX XXXX. SO, I AM REQUESTING A COPY OF 1099-C THAT YOU SENT TO MY PERSON ACCT : XXXX XXXX XXXX XXXX MATCHING THE SAME DATE THAT YOU GAVE MY PRIVATE PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT Also please send CERTIFIED RETURN RECEIPT WITH MY XXXX  XXXX  XXXX  THAT IVE RECEIVED IT. [ IRS FORM 211 WHISTLE BLOWER AWARD ]. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO XXXX. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. IF YOU CANT FURNISHED THE ABOVE REQUESTED INFORMATION DELETE THIS ACCOUNT IMMEDIATELY. SINCERELY, AFFIANT : .XXXX-XXXX XXXX XXXX XXXX Living man, Im far from being XXXX XXXX  XXXX  XXXX XXXX XXXX Beneficiary OF ACCT XXXX XXXX XXXX not the XXXX  XXXX ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES XXXX XXXX XXXX XXXX192 1933 USC 6802 XXXX XXXX  XXXX XXXX If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more. USC 1681a XXXX XXXX 18 USC 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry being reported against me from XX/XX/2019 from XXXX XXXX XXXX XXXX  that I did not authorize with Equifax. I entered a dispute on XX/XX/XXXX as soon as I saw it and received an email back today, XX/XX/XXXX saying it was completed. When I called them for additional information they told me they have it as disputed but I need to contact the company who authorized the credit check to have them write a note to remove the credit check. When I called XXXX XXXX XXXX XXXX today, XX/XX/XXXX ( the company who authorized the credit check ), they told me they do not know how to help me. I am going around in circles.
Product: Debt collection

I am currently based in XXXX and started getting debt collection phone calls in the middle of my night. After 2 missed calls from Hunter Warfield, I called them back and asked who they were trying to contact. The person they are trying to contact is not me. 

I told them that they are calling the wrong person and I didn't know the person they are after. I also asked them to stop calling me. 

After 1 week, I started getting their calls again in the middle of my night. 

They continue to harass me and I am not the person they are after.
Product: Credit card

I WAS IN NJ RECENTLY, AND TRIED TO USE MY PAYPAL WORLD MASTERCARD. MY ORIGINAL CREDIT LINE WAS {$1500.00}. MY BALANCE WAS UNDER {$1000.00} AT THE TIME I TRIED TO USE IT ( XX/XX/2024 ). I TRIED TO USE IT AGAIN ON XX/XX/2024. I COULD NOT. I CALLED PAYPAL CUSTOMER SERVOCE AND THEY TOLD ME THAT THEY LOWERED MY CREDIT LINE TO XXXX XXXXXXXX-JUST LIKE THAT. I HAVE BEEN MAKING CONSISTENT, ON TIME, AND AMOUNTS WAY ABOUT THE MINIMUM PAYMENT EACH MONTH SINCE OPENING IT-AND THEY STILL LOWERED IT-AND WITHOUT ANY ADVANCE WARNING.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX during the XXXX XXXX  which caused us to miss several loan payments. Exeter Financial was unwilling to work with us stating that the account was too new to help put a payment to the back of the loan. Unemployment Claims were delayed to the massive spike in claims which delayed our ability to make a payment. 

I have sent two letters asking for a Goodwill removal. I also stated, that I would be willing to make up any of the late payments to help with the removal of the late payment on my credit report. Exeter Financial unwilling to work out any solution. 

As a consequence, my credit rating took a XXXX point hit making it harder to get by in these trying economic times. 

All of our other creditors Placed a " Affected by Natural disaster '' on our report.