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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 of 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

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX ( XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am writing to file a formal complaint against Midland Credit Management for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccuracies in my credit report. These inaccuracies pertain to an account originally owned by XXXX XXXX and subsequently acquired by Midland Credit Management. 

**Specific Violations : ** * **15 U.S.C. 1681 ( b ) & Section 604 ( a ) ( 2 ) : ** Midland Credit Management furnished my credit information to consumer reporting agencies without my express written consent, infringing upon my right to privacy.

* **15 U.S.C. 1681s-2 ( b ) : ** Upon my initial dispute of the reported information, Midland Credit Management failed to conduct a reasonable investigation to verify its accuracy. 
* **Potential 15 U.S.C. 1666b Violation : ** If the alleged late payment on the XXXX XXXX account was not in fact late, Midland Credit Management 's reporting of it as such may constitute a violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity Theft. Someone stole my Identity to Open fraudulent Accounts. 
I Did not Authorize anyone to Open This Account On My Behalf. 
I did Not Open this Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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 or prepaid card

On XX/XX/2021, I made a reservations on XXXX XXXX at XXXX using my Citi bank Credit card. Amount was USD XXXX and I never been into the hotel and cancelled the reservations on advance. It is reflecting on my XXXX portal as Cancelled reservations. But I never received the refund. So I did disputed the charges with citi double cash master card. Citi gave me temporary credit and then they revered back stating they contacted the vendor and mentioned it is non-refundable hotel reservations. I am really stuck here especially during this pandemic time. With the Covid situation happening, I have cancelled the hotel reservation in advance but has been charged without utilizing their service. I request the consumer finance government team to help me to solve this issue and help me to get the refund. Thanks so much.
Product: Debt collection

This is what happen when I pulled out my credit report I was totally surprise when I saw this MERCHANTS CREDIT GUIDE that has a balance of {$90.00} XXXX XXXX XXXX cause I did not own this account, this is inaccurate and they're only supposed to report accurate information. I was really suffer from this mistake and inaccurate information. THIS ACCOUNT IS NOT BELONG TO ME and this is a totally FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXX collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/22 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXXXXXX 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 1 5 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
Product: Credit card or prepaid card

While checking out at Home Depot the cashier convinced me to open a a Home Depot credit card and get a {$25.00} bonus. I put one charge on the card. 
On XX/XX/2020, I received my first bill for my one and only charge of {$25.00}. The Account Statement showed payment due date as XX/XX/2020. 
The bill was received 5 days after the their posted due date. 
I immediately paid the purchase balance of {$25.00}. The bill was paid online thru XXXX XXXX  and can be verified. I emailed that their billing was sent 5 days after the past due date advising them of the problem. I received no response. 
I have sent 5 emails regarding this matter over the past 90 days with no response. My last emails in regard to their offering to waiver late fees during covid-19 were answered, but turned down. They keep piling on late fees as I try to resolve this issue. 
If the XXXX bill had been sent out in a timely manner this problem would never have happened. I always pay my bills on time. They are also hurting my credit rating. 
I am XXXX years old and somewhat XXXX and XXXX XXXX. I attempted calling on this matter but was cut off several times, probably because my responses were either too slow or not understood. I tried using their email system with little success. This is having an impact on my credit score, my score has always run in the upper 700 to low 800 range.
Product: Checking or savings account

UMB Bank National Association provides account servicing services to my Health Savings Account with XXXX. 

On XX/XX/21 I initiated a wire transfer for {$3500.00} to my Health Savings account routing XXXX account XXXX. 

The wire of {$3500.00} has been returned instead, and the UMB kept {$50.00} fee, despite advertising no fees associated with the incoming wires. 

Please kindly, look into similar complaints in this matter and advise how could we recover missing {$50.00}. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a text message from phone number XXXX that my SOFI loan was in process, but that additional information was required to secure the loan. The message included a link to complete the application. I had not started a loan application or any inquiry into a loan application and I assumed this was a fraudulent text. I replied STOP to opt out of any future correspondence. Aprox. XXXX minutes later I received another text notifying me that the loan had funded. On XX/XX/22 I received multiple calls from XXXX phone number XXXX requesting information to complete another loan application. This prompted me to check my credit report. Upon which time I noticed that SOFI had pulled my credit on XX/XX/22. I called SOFI and learned that a personal loan in the amount of {$12000.00} had been dispersed to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. SOFI had all of my personal information on file ( XXXX, XXXX, Home Address, Phone, etc. ) I notified SOFI that this was a case of identity fraud and as of XX/XX/22 my case was being reviewed by their Fraud Dept. I called XXXX XXXX XXXX Bank and spoke to XXXX XXXX ( phone XXXX ) who works in their Fraud Dept. He confirmed that the funds had been received at XXXX XXXX XXXX XXXX and that bank account XXXX was under the name XXXX XXXX. SOFI keeps forwarding me to their Fraud Investigative Team phone number ( XXXX ) that goes straight to voice mail. I can not get a valid case number or confirmation number and they will not give me a phone number or email address to call them directly. The funds have already been dispersed and I want this transaction wiped from my credit and all of my personal information removed from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect a medical debt without. Legitimate validation. They are sending copies of reports they brought from another collect agency called XXXX XXXX XXXX. This Debt was originally placed on credit reports without proper validation from a different collection agency it was disputed and removed from my credit reports. It is against the law to add back a debt to a credit report when it was already removed. They brought this debt from a different collection agency and still do not have validation and authorization to collect this debt. They are sending me letters every week about this debt and I feel harassed by this company, because they I have reported that they do not have proper validation and they just come up with different summary copies from other collection agencies they brought this debt from. I will be reaching out to an attorney. I am XXXX and has been since XX/XX/2016 and I do not want any more contact with this company.
Product: Mortgage

WELLSFARGO IS WORST BANK! HAVE BEEN SUBMITTING PAPERWORK SINCE XXXX STARTED A NEW BUSINESS, SEE LETTER, CHILD SUPPORT PULLED FROM WEBSITE XXXX! CALLED TODAY AND STILL NEED INFORMATION! HAVE MY COUSIN HELPING AND STILL CAN NOT GET ANYTHING DONE! THIS IS PLAIN " HARRASMANET, DISCRIMINATION AND FRAUDULENT BANK '' WORST EVER! ONLY OWE {$70000.00} HOUSE WORTH {$350000.00} SO KNOW WELLSFARGO WANT TO SELL IT! NEED TO PUT IN FEDERAL COURT IS NEXT STEP AND GO PUBLIC! SAME PAPERWORK ALWAYS FAXING AND THE SAME ISSUE! WORST CORRUPT BANK! AND ASKING FOR TAX RETURNS TOLD CORRUPT WELLSFARGO WAS TERMINATED FROM A XXXX XXXX XXXX XXXX WILL BE NO TAXES AND IF HAD INCOME DO NOT NEED TO FILE IF UNDER IRS THRESHOLD! IVE SEND " LETTER OF EXPLANATIONS '' AGAIN ITS IS HARRASMENT AND DISCRIMINATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : 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

When I first subscribed to Experian my XXXX scores were in the XXXX. Then unbeknownst to me I was getting charges from XXXX and XXXX. I then called Experian and canceled my subscription. My spending habits have not changed and Ive had no late payments. Every since Ive cancelled Experian has tried to get me to BOOST my XXXX score by adding my billing and banking information. That is none of their business with all of the data breeches that they seem to have. Since I will not add any additional information or resubscribe Experian constantly lowers my XXXX score to intimidate until I rejoin their services so that my XXXX score will rise again. This is EXTORTION!
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX  calls 2 to 4 times per day on my cell phone. Their phone number is : XXXX, based out of XXXX XXXX, California. There is a XXXX, Michigan office that may be involved also.

I have a phone app that blocks most of their calls, but some get through. Within the phone app, there are hundreds of complaints against this company.

I am going to file a complaint with the Michigan State Attorney General 's Office and in California also.
Product: Debt collection

I used Affirm on XX/XX/2023 to finance a cruise with XXXX XXXX for a total of {$3800.00}. I had to cancel the cruise because my wife was not able to renew her expired passport. I called Affirm 3 times before I canceled to make sure that I was going to get all the money I paid them back and the 3 times they assured that I would get everything back including any fees accrued. In fact, they owe me around {$220.00} and they are now claiming that I owe them {$200.00} of finance charge. This is a company has horrible review of ripping customer off and misleading them with finance charges. I have used them 4 times before and I have never had any problems with them. I have spoken to them several times and of course they are being uncooperative and refusing to refund what it is owed to me. They are also now reporting me to the credit agency as a derogatory account.
Product: Checking or savings account

Capitol One allowed a checking and savings account to be opened fraudulently even though I have locked my credit with all three credit unions and put on a fraud alert. No new accounts were to be opened without verifying with me per the fraud alert, but CapitalOne either saw the alert and ignored it or did not bother to check. 

Capital One does not provide a 24/7 hotline, or even an easy to find contact to report such fraudulent activities. There is a general number, but to actually speak with somebody you need to enter an account number, which I don't have, because I don't have an account. 

Capital One should have immediately flagged this account as suspicious : when a new account is created and then the contact phone number and email address are immediately changed that is a major red flag that any reasonable person would have picked up on, but Capitol One completely ignored this activity. 

XXXX : XX/XX/2023 XXXX, am woken up by a text message saying " Thanks for giving Capital One your mobile number ''. 

A few emails are received at the same time : 1 : Welcome, your new 360 Performance Savings account is open. 

2 : Congrats! Your new 360 checking account is open. 

3. Success! Re : your CapitalOne profile changes. One or more phone numbers on your CapitalOne profile have been updated. 

These were quickly followed up with : XXXX 1. We've updated your phone number 2. Your email address was updated With all of their automated systems, nothing about creating an account then immediately changing the phone number and email address raises a single flag?
Product: Debt collection

On XXXX XXXX, KLARNA was requesting I pay a balance on the account This balance was paid to the debt collector I informed them of this and provided them copy of correspondence and receipts. They said it was resolved Went back balance still reflected after 7 business days. KLARNA then informed they never received notification from XXXX ( debt collector ) that payment was made yet they adjust my balance to reflect the pyment made to XXXX They told me to reach out XXXX and have them send the notification again. 
XXXX said they did. 

This has been an on going issue and neither XXXX nor KLARNA will help. No one has responded and when they do they blame the other for getting my account updated. 

This affects me and times are hard. Anywhere we can have payment plans are appreciated and I cant use it because the Klarna is staying they havent received a settlement information from XXXX INACCURATE as I received exactly what theyve received even forwarded it. I even put them in the same email to explain and COPIED ALL correspondence into one email. Neither helped. Call truaccord again today At which they said my balance has been taken care of as of XXXX and that klarna was notified. 
Klarna does not show history and is refusing to help me further or allow me to make purchases on their site or their sister site until this balance is paid off. Which it was. I paid the balance a small portion was written off. You did indeed settle this balance for {$100.00}, leaving the remaining amount to be forgiven at {$71.00}.. XXXX has escalated this twice to Klarna and Klarna refuses to adjust the forgiven amount. I spoke with XXXX today with XXXX. 

Klarna sent all my accounts to the debt collector. Which Ive paid. Its not my fault they wouldnt allow us to edit payment changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am disputing the bankruptcy information that TransUnion is reporting on my credit file. I have official written confirmation from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating that they do not report, verify, or validate bankruptcies with credit bureaus. 

Since the court does not provide this information, I requested TransUnion to remove the bankruptcy from my credit file due to improper verification. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting. 

I have already disputed this with TransUnion and provided them with the courts official letter, yet they have failed to remove the inaccurate bankruptcy record. 

I request that the CFPB investigate this matter and ensure that TransUnion properly removes the unverified bankruptcy from my credit report immediately. I am attaching : A copy of my dispute letter to TransUnion. 
A copy of the letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Please help resolve this issue as it is preventing me from securing a mortgage and improving my financial stability. Thank you for your time and attention. ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX I SUBMITTED MY IDENTITY THEFT REPORT TO EQUIFAX AND XXXX REGARDING SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT FILE. 

EQUIFAX IS REPORT 2 ACCOUNTS FROM XXXX XXXX  AND 1 ACCOUNT FROM XXXXXXXX XXXX THAT I DO NOT RECOGNIZE. I HAVE SPOKEN WITH SUPERVISORS FROM EQUIFAX WHO ARE NOT WILLING TO HELP ME. I NEED THESE ACCOUNT REMOVED FROM MY CREDIT FILE ASAP. 

XXXX IS REPORTING AN ACCOUNT FROM XXXXXXXX XXXX THAT I DO NOT RECOGNIZE I HAVE ALSO SPOKEN WITH SUPERVISORS AND THEY HAVE NOT BEEN ANY HELP. PLEASE HELP ME.