23daVinci/CFPB_Complaints huggingface dataset:
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 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 has violated my rights. Or a 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 or other personal consumer reports

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX on XXXX XXXX,2015 and the representative stated I had an account with Old Navy and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. XXXX XXXX XXXX called my phone back to back, but I did not answer.
Product: Checking or savings account

We began receiving statements on BB & T accounts, a checking account and money market account, that we did not open. Then we received correspondence indicating overdraft protection had been approved. We contacted the BB & T fraud department at the bank and nothing was done. We continue to receive statements from the bank showing debits occurring in the account. We went to the local branch of the BB & T bank and asked the representative to close the account. That was refused. The account remains open. It is accessible via an online account, it has debits being removed and we are concerned this is going to impact our credit report overall. Please assist us to get this account closed. It is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$10000.00} ; XXXX XXXX Balance {$390.00} XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

On XX/XX/XXXX I opened an account with TD Bank. I was using a promotion where TD Bank promised to deposit {$300.00} into my account after I deposited {$2500.00} or more in Direct Deposits within 60 days. 

I met this requirement by XX/XX/XXXX. It has been more than 6 months since I met this requirment and I have still not received the promised funds. According to the promotion terms TD bank would deposit the funds within 140 days of me opening the account. That date was on XX/XX/XXXX. 

I have called TD Bank three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each times I was told to wait a little longer and that the funds would be deposited within the month. Each time I was promised that I would be called by a representative of the promotions department and I was never contacted. 

I most recently sent a message through the bank 's internal communication system on XX/XX/XXXX and received a response on XX/XX/XXXX stating that the code I used for the promotion was invalid because it was only for targeted households or individuals. This information is at odds with the terms on the signup page that I used when I enrolled in the promotion and opened the checking account. The terms did not state that the promotion was only for targeted households. I also think it is improper that I am only being told now that I am ineligible for the promotion and I was not told this when I previously called. 

I have attached proof of my communication with the bank as well as screenshots of the offer, offer terms, and enrollment page.
Product: Credit reporting or other personal consumer reports

I do not have a contract or loan with this company.
Product: Debt collection

XXXX XXXX Account # XXXX Per Federal Law based on previous requests for validation this company never properly provided 5 required items accordingly to congress to properly substantiate alleged debt. Furthermore, pursuant to permissible purposes of consumer reports I as the consumer never went into a contractual agreement with Credit Management or gave written correspondence per USC 15 1681b ( a ) ( 2 ) to furnish my information. I currently have an account with XXXX XXXX and was advised that when this account was opened that there was no outstanding debt which allowed me to be able to obtain service with them. No company would allow you to obtain service considering there was an outstanding debt owed. XXXX XXXX providing my personal information without my consent is a violation of my privacy as a consumer. 

Credit Management never provided proper validation of debt which is further violation. In addition to this error being on my consumer credit report I have been denied housing for myself and my family and have lost out on interest rates and funding as a result of this showing on my consumer report WITHOUT my consent. Proper comment coding was never placed on my account to accurately reflect that the account was in dispute and to add insult to injury this deranged collection company has committed identity theft by reflecting my information illegally. Please provide proof of contract between myself and Credit Management and proper validation of said debt. I'm prepared to go to the highest level and have all paperwork regarding his this erroneous reporting and alleged debt has affected myself and my family. Credit Management has countless violations and I will be sending notification directly to the company outlining these as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two creditors agreed to remove erroneous negative information from my credit report. 
They both sent me deletions letters last year as well as sending Experian an update request. 

Your company failed to update those accounts and in addition, when I recently disputed the accounts and provided the brueau with the deletion letters, but they came back and responded in 4 days time that the account was verified. 
I just called both furnishers who assure me that the bureaus never tried to verify the information from them.
Product: Checking or savings account

On XX/XX/2022, I downloaded a direct deposit form from Cash app to give to my employer because I needed to change my direct deposit from going into my current account at the time because my wallet had been stolen as well as some funds from that account. I sent the direct deposit form to my employer as instructed to. My employer deposited my payroll check in the account number listed on the direct deposit form from Cash app on XX/XX/2022 in the amount of {$1500.00} However, I have not been able to access the account because I can not recall the email, phone number or cashtag for this account. I've called cash app several times in regards to this issue that I am having because I really need my paycheck. Every time I speak to a representative they just keep telling me that there is no way that they can access my account by just using an account number, only by email, phone number or cashtag. I feel as though they are not giving me correct information because there just really has to be another way to access my account. I am a XXXX veteran and I really need my money ASAP.
Product: Credit card or prepaid card

Good morning American Express, I have been attempting to redeem some of my member rewards ( MR ) points and I am not able to due to the message " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I am trying to book a flight for the XXXX XXXX season coming up to see family and i find it completely distasteful that I had legitimate spend on my card yet I am now at the mercy of American Express reviewing my account, however long that will take. 

Please unlock my membership rewards account so I can book a flight with my hard earned points. I am asking as a long time customer of American Express. I dont mean to be pushy. I just want to use the points I fairly earned. I am sure American Express can agree with that. I pay {$550.00} card benefit for this card and I better be able to use all the benefits. 

Thank you for your time, XXXX XXXX
Product: Vehicle loan or lease

Our lease is ending with XXXX XXXX and we decided to purchase the car. I went into XXXX XXXX to find out what I needed to do to purchase the car. After I found out XXXX wanted {$1000.00} processing fee to do the paperwork. I refused and said will go to XXXX. 

Without my authorization they ran my credit 3 times on XXXX/XXXX/2022, XXXX/XXXX/2022, and XXXX/XXXX/2022. I am currently contracted with XXXX who sends me alerts. 

I have verification that XXXX XXXX ran my credit report on XXXX, XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. I am victim of identity theft nd I do not know them. Its a fraud and I am kindly asking you to make investigation and let me know the results. Also I want you to remove these unknown items.
Product: Credit card or prepaid card

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 U.S.C. 1681. Account : XXXX XXXX XXXX  Acct # XXXX Account : acct # XXXX Account : XXXX XXXX XXXX  acct # 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. section ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a mortgage with Select Portfolio Servicing which Is paid on time and current. I had a fire in my home on XXXX XXXX, 2016. The insurance company issued a check in the amount of {$24000.00} which was made out to myself and the above Bank. I signed the check and sent it to the Bank on XXXX XXXX, 2016. I had all the paperwork they required signed by the contractor expressed mailed back to them on XXXX XXXX, 2016 they told me they received it and I would receive a check for the full amount of $ XXXXand would be mailed out in 5 business days and the mail would then take 10 business days to get to me. I called after the 10 business days and they said they never cut the check and again I would have to wait this 15 business day period bringing me now into XXXX. They have been holding my insurance check since XXXX now to XXXX. This is a rental apartment so I am losing 3 months rent which does n't seem to matter to them. I am a XXXX yr old widow and If I was 3 months late on my mortgage I would be in pre-foreclosure. Is there something you can do to them to make them overnight my money which I stressed to them I wanted done and they said I still have to wait an additional 5 business days before they could even cut the check. 
My account number at Select Portfolio Servicing is XXXX. Property address is XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
My mailing address is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, phone XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

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.

Items listed above have 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 ( AN ( 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.

Remove Fraudulent Non-mailable Addresses listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY - XXXX XXXX XXXX XXXX KY XXXX Remove Fraudulent accounts numbered below XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Charge Off XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, XXXX Off XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Chagre Off XXXX ) XXXX XXXX XXXX ( XXXX XXXX, Opened : XX/XX/XXXX, Charge Off XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX , Opened : XX/XX/XXXX, Collection XXXX ) XXXX  ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), Opened : XXXX, Collection XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, XXXX XXXX ) XXXX  ( XXXX ), Opened : XX/XX/XXXX, Collection Remove Unauthorized Fraudulent Inquiries : Here is the list of inquiries with company names and dates : 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 XXXXXX/XX/XXXX
Product: Debt collection

When calling references they are leaving voicemails that have too much information. They are mentioning people I brought in for loans, the fact I would drop peoples payment off for them ( not my money ) they have said I havent seen her obituary so things arent that bad they have said she paid so and sos payment on time like she was deathly terrified of them but wont pay hers. Now if I am financially struggling due to the economy and Ive said this to them thats what it needs to be Ive never taken my money to pay someone elses account. They are harassing me and my references and quite frankly have me terrified to even attempt to figure out how to repay my loan. They have disclosed so much information to my references its sickening.
Product: Credit reporting or other personal consumer reports

This afternoon, I was stunned to find inaccurate accounts listed on my credit report, and I cant understand why they appeared. I regularly monitor my credit, but this time there were unexpected errors. I even tried refreshing my browser, hoping it was a simple glitch, but the incorrect accounts remained. Im requesting that my documents are carefully reviewed so I can avoid this stress in the future.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX I purchased 2 tickets to an event from a 3rd party who was selling tickets. I used XXXX through my Chase bank account to make the transaction for {$980.00} to any XXXX XXXX who supplied me with a driver 's license and a XXXX account under his name. After one day of silence and no correspondence I came to the realization I was being scammed. After calling my bank and reporting the fraud. Chase customer service and fraud Dept. Did not even try to help me recoupy funds. To have a service available from a bank and not have any type of protection from such things is a big disappointment. Further more not even trying to help someone that has been a chase customer for over 10 yrs is what disappoints me the most. XXXX should not be an option for true banking customers if there isn't anyway to protect it's customers from predatory scams and fraudulent behavior. Truly disappointed in Chase and it's customer to help rectify this situation.
Product: Credit reporting or other personal consumer reports

Experian has put this ( Account XXXX XXXX XXXX XXXX Account # XXXX ) back on my credit report under different name ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the information is inaccurate, I've made several attempts to Experian requesting the names and business addresses of each individual with whom they verified the information above, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information, my request have been ignored. As well as my request to remove this unauthorized inquiry from my credit report, XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Debt collection

XX/XX/2017 I moved out of the apartment complex XXXX XXXX at XXXX XXXX XXXX  XXXX due to a HORRIBLE continuous roach infestation. I wrote to the leasing company multiple times and even have pictures to this day ( about the infestation ) and did not receive any response in the matter. Shortly before moving hurricane Harvey struck and I unfortunately lost my job. I had to relocate to XXXX and live with a relative. Months after I was told that I owed almost {$10000.00} in breaking the lease even though someone had already moved into the premises. IQ Data kept on harassing and calling me multiple times ; I consulted an attorney who then sent a settlement amount ( which I never agreed to ) of {$1000.00} and it was flatly denied. Last year I decided to call the company and see if this negative remark could be removed as I did not owe that amount and the representative I spoke with yelled at me and used profanities indicating that I was  paying over $ XXXX/ month ( which I wasn't ) in rent and I needed to pay the full balance of over {$11000.00}. Since then every month I notice an increase on the account once I check my credit report.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX