23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX I 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 XXXXXXXX ), ( 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

In accordance with the Fair Credit Reporting Act 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 connot furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Prolonged Investigation and Inaccurate Accounts Dear Consumer Financial Protection Bureau, I am writing to formally dispute the handling of my credit report by the credit bureaus. It has been over 30 days since I initiated an investigation into multiple accounts that are not mine, and I have yet to receive any notification of the investigations results or an extension of the investigation period. According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete their investigation within 30 days and notify me of the results within XXXXive business days thereafter1. 

Despite this requirement, I have not received any communication regarding the status of my dispute. This lack of response leads me to believe that my information is being neglected and improperly used. I am deeply concerned about the potential misuse of my personal information and the impact it may have on my creditworthiness.

Additionally, I have identified multiple accounts on my credit report that are tied to incorrect Arizona addresses. I live in XXXX. I am confused. These inaccuracies are not only misleading but also detrimental to my credit profile. I request that the credit bureaus comply with XXXX XXXX standards to ensure that my personal information is not being improperly used and that all inaccurate accounts are promptly deleted from my report. 

I urge the CFPB to intervene and ensure that the credit bureaus adhere to the FCRA guidelines and take immediate action to rectify these issues. Your assistance in this matter is greatly appreciated. 

Thank you for your attention to this urgent matter. 

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

On XX/XX/2018 I contacted Equifax about an ongoing ID Theft Case that had already been reported to their company on my personal credit report. I was advised by the customer service agent to fax all supporting documents to substantiate my claim to XXXX. He advised me that the investigation would take 30 days and that I should submit my documentation during that time frame. On XX/XX/2018 I faxed my police report, FTC Fraud affidavit, ID, Social security card, proof of current address and proof of address at the time of incident as advised to XXXX. My FTC Fraud affidavit specifically outlined the name of the accounts in dispute, the account numbers reported, and the amounts disputed. A few weeks later I received a letter from Equifax dated XX/XX/2018 stating the following " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. '' This is totally unacceptable and obviously a stall in the process of doing what I SPECIFICALLY asked them to do. Attached you will see the FTC affidavit that lists the account names, numbers and nature of the dispute as they asked WITHIN the specified time frame from my original call on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone opened a fraudulent account with XXXX XXXX XXXX XXXX personal information. I have been trying to dispute this account for a while. The past 4 months I have been calling Experians customer service and every representative told me they will not reinvestigation this fraudulent account and it was verified by a certified letter. Experian never sent me a copy of verifying documentations. To date Experian have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper full reinvestigation. I have proof of Experian being noncompliant. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, you are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. 
I want Experian to conduct a proper reinvestigation with this fraudulent account. Please send proof of their findings! Promptly remove this unverified account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries to Capital One dates XXXX When I called they said it was nothing they can do about it
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I mailed a letter to XXXX XXXX XXXX XXXX account ending in XXXX in regards to their company being in clear violations of 15 USC 1681b - permissible purpose of consumer reports, and how the law clearly states : a In general - subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to who it relates. I wrote them to remove all late payment from reporting to my report as they are inaccurate.

First saving Credit Card company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( First saving credit card ) Making the report is not INCLUEDED on my Consumer report! 

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

They responded that the laws don't apply to First Saving Credit Card Account and they found no Violations. I attached the letter response!
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINTXXXX XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 

These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Credit card

I noticed a pull from my credit on XX/XX/year> On XX/XX/year> from capital one. 

I called XX/XX/year> to let them know they said they will do an investigation. I was still unsure if the account will be closed so I called back and a representative did confirm the account will be locked.

Im making this complaint so no further actions of scam happens. When logging on to consumer finance.gov website the system told me I have an account with my email and I never did so please get back with my next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer disputing XXXXair Collection and Outsourcing.
Product: Money transfer, virtual currency, or money service

I have an account on Citibank for my bussines I didnt autorize any of this ACH transactions XX/XX/scrub>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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} this is the response from citibank `` Please be advised, preauthorized debits are agreements between the client and the third party, and Citibank acts in good faith in paying these items. In an attempt to recover these funds and credit your account, Citibank initiated a request to the originating bank for these transactions. However we have not received a response from the originating bank. Please note that the above transactions were not initiated by Citibank.

For reimbursements, or a copy of the signed authorization please contact above MERCHANT directly. Unfortunately, we are unable to assist you any further regarding these transactions. '' this was not the first time the last year happened to me the same, and I asked to citibank to cancel all the ACH payments, I dont use my account all the year, i only make 3 payments each month, the bank dont hace security to monitor suspicious transactions, how from no transaction to drain my account please get this bad fraudsters to jail and give me my money back
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 funds were taken out of my checking account and transferred to an individual that I do not know. As soon as I became aware of the activity I called Bank of America and asked to open a claim with the fraud department. I kept on contacting them to check status and they advised me that it can take up to 45 days for review and at 10 days I will be getting a credit of the {$3500.00} that was taken without my authorization. On day 10 I contacted Bank of America fraud department and was told the claim was closed due to insufficient information. At that point they stated they needed a police report. I obtained a police report and submitted to them. They have denied all claims reconsiderations. It has been so many days and no funds have been returned, it has been really stressful.
Product: Credit reporting or other personal consumer reports

**Dispute Items : ** - XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed items listed above on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not notifying consumers about the outcomes of disputes. 

These failures reflect my experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action to either remove or amend the disputed accounts. Experian 's lack of action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts and some inquiries that I had no knowledge about XXXXXXXX XXXX XXXX opened XXXX XXXX {$3000.00} XXXX XXXX opened XX/XX/year> {$2300.00} XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX opened XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX opened XXXX XXXX {$0.00} XXXX XXXX XXXX  opened XXXX XXXX {$0.00} XXXX XXXX XXXX opened XX/XX/year> {$12.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dealer XX/XX/year>XXXX XXXX XXXXXXXX via dealer XX/XX/year>XXXX XXXX XXXX via dealer XX/XX/year> XXXX  XXXX via dealer XX/XX/year>XXXX XXXX XXXXXXXX via dealer XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$43000.00}
Product: Money transfer, virtual currency, or money service

I have been in a financial hardship since year of XXXX  and trust wallet is the company that the fraudulent activity occurred they have gave me plenty of issues without responding or resolving my complaints regarding this situation and they have since failed to respond to me via email and correspondence I am hoping and praying trust wallet internal or fraud teams can reimburse and or resolve this for me.
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Mortgage

I submitted an application to Texas Homeowners Assistance Fund with Texas Department of Housing and Community Affairs on XX/XX/XXXX. My completed application has been reviewed and approved to receive financial assistance for my past due mortgage balance with PNC Bank. I have submitted all required Release of Information and Authorization of my account information to PNC Bank for Tx HAF ( Homeowners Assistance Fund ) and TDCHA ( Texas Department of Housing and Community Affairs ) to communicate about my mortgage loan. On XX/XX/XXXX Texas Homeowners Assistance Fund emailed a validation request in an effort to verify my loan to pay off the past due balance on the account. Texas HAF received the document XX/XX/XXXX with the incorrect borrower information on the request form. I have contacted PNC Bank several times weekly via telephone and email in an effort to get the correct information updated on the validation request and submitted to Tx HAF. I contacted representatives with PNC Mortgage XXXXoss Mitigation and Customer Service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX with no updates in regards to the validation request or the status of the document. My caseworker with Tx HAF has also attempted contact with PNC directly XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX without success. 

It is imperative that I am able to get this issue resolved in an effort to receive payment for the past due balance on my mortgage loan and avoid any foreclosure proceedings on my home. Communication with PNC Bank has been extremely onerous and the service I have been receiving as a borrower is subpar to say the least. PNC Bank has not demonstrated any effort or willingness to comply with requests made by myself or representatives from Texas Department of Housing and Community Affairs. It is unacceptable that the incorrect information was submitted on my behalf, and the delay and lack of earnestness it is taking to rectify the situation by completing the validation request with my correct information.
Product: Debt collection

Ability Recovery Services is attempting to collect {$1800.00} from me for the school XXXX XXXX for a high schooXXXX diploma program opened in XXXX. I graduated high school in XXXX, college in XXXX. I never enrolled in any high school programs with XXXX XXXX nor would have any reason to being that I am not a high school student. I have filed a debt verification request with them and they returned the info to me. This included incorrect information and this debt does not belong to me. This is ridiculous and its effecting my ability to purchase a house.
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 : XXXXXXXX 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

XXXX XXXXXXXX has specific laws governing debt collection practices, and if a collection agency is not allowed to collect debts in XXXX XXXX you can refer to the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that outlines the rules and regulations that debt collectors must follow when collecting debts. Under the FDCPA, debt collectors are prohibited from engaging in abusive, deceptive, or unfair practices when attempting to collect a debt. If a collection agency is not allowed to collect debts in XXXX XXXXXXXX, they may be in violation of the FDCPA. You can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seek legal action against the collection agency for violating the FDCPA. They are not authorized or licensed to collect in XXXX XXXX
Product: Credit reporting

There are XXXX liens on my credit report in the public records section. I challenged the information because I do not have any record of being sued. Equifax dispute resolution stated that the information had been verified with the XXXX XXXX XXXX. I contacted the court using the information listed on the credit report, no agency listed had any information on my name having liens. The case numbers listed are incorrect or nonexistent no one could help me find the information listed on my credit report. I have no idea who has placed this information on my credit report or how to contact them to resolve this issue. 
I also need the XXXX XXXX XXXX addressed because they have that I owed {$150.00} and my account was closed. My account was closed by someone other than myself without my knowledge or permission. When I notified the gas company that an error was made they setup a new account for me. The {$150.00} was already paid, so I would like that information removed.