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

I submitted Identity Theft affidavits and police reports on XX/XX/2020 ... .I have never filed Bankruptcy or had any of the accounts listed in the following attached documents ... Clerk of courts even stated that they haven't supplied any such information to either of the 3 bureaus. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Debt collection

When this company contacted me over the alleged debt, they are required to provide me with certain information about the debt theyre trying to collect. 

Per ref ( b ) under the CFPBs Debt Collection Rule they provide NO clarifying provisions of the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021. 

The CFPBs debt collection rule requires debt collectors to provide certain information when they first communicate with you or soon after ( generally within 5 days ). When the debt collector provides this required information electronically or in writing, it is called a validation notice. The validation notice is meant to help you recognize whether the debt is yours and dispute the debt if it is not yours. 

The notice generally must include : A statement that the communication is from a debt collector The name and mailing information of the debt collector and the consumer The name of the creditor to whom the debt is owed It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date The current amount of the debt as of when the validation information is provided Information about your debt collection rights, including language that : If you dont dispute the debt within 30 days the debt collector will assume the debt is valid If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information Information on how to dispute the debt The notice must include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions. 
You may see other information on your validation notice, but the information listed above generally must be included. 

This agency failed to provide that information and forwarded to credit bureaus which is a violation. The reason for this second complaint is because, this Agency provided this information to the credit bureaus as retaliation for reporting their company for not being in full compliant with FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Part of the fair credit reporting act 15 USC states consumer credit reporting agencies exercise their responsibility with fairness, impartiality, and a respect for consumers right to privacy. The credit bureaus are consumers reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared. Which is back by 15 USC 6801. It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information Those reporting agencies do not have my consent or my written consent. Any and all consent, whether verbal, non verbal, written, implied or otherwise is revoked. 15 USC 6802 states a financial institution may not disclose non public personal information to a non affiliated unless the consumer is given an explanation of how the can exercise that non disclosure option. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of alleged debt nor therefore any such debt, in fact exists. 15 USC 1692c ( c ) " That the Law clearly states '' If a Consumer notifies a Debt Collector in writing that the Consumer refuses to pay a debt The Debt Collector must Cease all Communication. According to 15 USC 1681 of the FCRA, consumer reporting agencies are required to obtain written consent from consumers before furnishing or obtaining their credit information. I have reviewed my credit report and identified instances where my credit information has been furnished or obtained without my explicit written consent. 

I hereby dispute the accuracy and legality of the credit information reported or obtained by [ Credit Bureau Name ] on the grounds that I never provided written consent for such actions. As per 15 USC 1681, I request that [ Credit Bureau Name ] investigate this matter promptly and remove any inaccurate, unauthorized, or improperly obtained information from my credit report. 

Enclosed with this letter are copies of documents supporting my identity and any relevant information related to the disputed credit items. I request that these documents be reviewed as part of the investigation process. 

Please provide me with a written response acknowledging the receipt of this dispute letter and the initiation of an investigation within the timeframe mandated by law. 

According to FCRA section 605b it is illegal to report information on my credit report without my permission. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Barclays US MaterCard # XXXX On XX/XX/2019, My wallet was lost/stolen, while I was visiting XXXX, XXXX, XXXX. There were 3 cards in that wallet and no ID cards : 2 Visa cards from XXXX  XXXX XXXX, and 1 MasterCard from Barclays US. There were unauthorized charges on all 3 of the cards. On XX/XX/2019, however, after only a few days past the occurred fraud, I got a call from an agent in the Barclays fraud department, essentially stating that they have determined these charges were not fraudulent, and the credit issued is going to be reversed. Again, how that agent was able to determine that within only a few business days of the transactions is beyond me ... Surprisingly, I was not even asked to provide more information on the disputed transactions. To solidify my case, I have also filed a police report # XXXX, Officer XXXX, Badge # XXXX. 

The unauthorized charges on the MasterCard that XXXX is refusing to reimburse me for are as follows : XXXX XXXX 02 for {$1500.00} XXXX XXXX XXXX for {$5700.00} I, hereby, request that Barclays US stand by its zero percent fraud protection guarantee, and make me whole on these transactions. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card

XX/XX/year> - I ordered a dress from XXXX ( {$690.00} ) using my Bank of America credit card and received confirmation of the order. 
XX/XX/year> - The item shipped to my home. 
XX/XX/year> - The package arrived, but instead of the dress, a small blue purse was in the box. I contacted customer support through chat and explained what happened. Support told me to return the wrong item and they would send me the dress. My credit card would be charged again, but the charge would be removed once they received the purse, the wrong item. 
XX/XX/year> - I received email confirmation that the dress would be shipped. 
XX/XX/year> - The dress shipped to my home. 
XX/XX/year> - I sent back the box with the purse, the wrong item. 
XX/XX/year> - The dress, the correct item, arrived at my home and I received confirmation that XXXX received the return, the wrong item. 
XX/XX/year> - I received an email from XXXX saying that they did not receive the return and that my credit card would be charged. I contacted customer support through chat and explained the situation. Support told me that XXXX did receive the return and I can ignore the email. 
XX/XX/year> - I received another email from XXXX saying that they didnt receive the return in time and that my credit card has been charged. I contacted customer support through chat again and they told me that the returned item was not a XXXX item, so they wouldnt refund me the charge. They said they would escalate the issue to the team, but no one ever contacted me, so I disputed the charge with Bank of America. 
XX/XX/year> - Bank of America contacted me to let me know they were rejecting my dispute because XXXX claims they did not accept my return. Someone in XXXX 's shipping area obviously stole the dress and sent me a different item and now Bank of America expects me to just pay the additional {$690.00}.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Tried linking my bank account to a " XXXX  '' application thru XXXX XXXX. Was met with a " PNC is not allowing this linking '' error message
Product: Credit card

In XX/XX/XXXX I opened a charge account with XXXX ( TD Bank ) that offered 18 months no interest with payments. I set up auto payments right away so that the balance would be paid in plenty of time to avoid interest. In XX/XX/XXXX I used the account for another purchase with 24 months no interest with payments and adjusted my payments. 
In XX/XX/XXXX I saw that the first charge had to be paid so I initiated a one time payment for the balance on top of my normal monthly payment. When I received my XXXX statement the first balance was till open and was charged {$350.00} in interest. I tried to log in to my account and at first was unsuccessful due to a system upgrade. When I was finally able to get logged in I could not see any past statements, activity or anything so I tried to call. I spent over an hour on hold the first time before I had to get off the phone. I tried again and again and again and spent at least 35-40 minutes on hold each time in queue to talk to someone. I finally got a hold of someone on XX/XX/XXXX and we went over everything and she said she saw the regular payments but figured since I paid a large amount that month that the normal payment was not taken. This left the second charge with no payment so they divided the payment up and left a balance on the first charge so I got charged interest as per the contract. She then went on to say that they could normally correct this but I did not call soon enough. This enraged me and I told her again how I have tried calling for two months on many occasions and could not get through. She said she new the phone system was crazy but said she could not do anything. I told her I even entered a help message on the online portal that I could not get through. She looked and saw my message and said that they responded through the portal. I asked where and she walked me through how to find it and all it was a response telling me to call in to the same number I had been trying. I told her I wanted to talk to a supervisor and she said all she could give me is a email address. I asked her to send me statements because I still could not access them online and she said the upgrade really messed up their system and she HAD to mail them, which I still have not got them. I emailed the supervisor email on XX/XX/XXXX and got no kind of acknowledgement so I emailed again on XX/XX/XXXX and they responded back that my email has been forwarded to the Complaints Team and is being reviewed and I will be notified in writing of their response. Still have heard nothing .... Since then I have been charged more interest and late fees. I want all interest and fees refunded and i will pay off the balance and close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

We have a Scheels VISA card which is managed by FNB of Omaha. We just found out yesterday that the billing address on our card was changed back on XX/XX/XXXX to a California address. We live in Utah. So we called Scheels yesterday and had the card and account shut down. They are now issuing me a new card and changed our secret passcode on this new account. They told us to call XXXX to get this address removed from our credit report which I did today. They then told me to come to this site and report the fraud and account takeover. So far we don't believe there were any charges on our credit card by this individual. But will not know for certain until we get our new card in 5 to 7 days and then able to setup our online account and payment. This credit card earns us points for all purchases we make anywhere and not just at this local Utah store. So with these points, I usually get a {$25.00} gift card every month in the mail. So looks like this must have gone to this California address for the last 2 months. Let me know what additional information you need. I also setup fraudulent alerts with XXXX today as a proactive action and they told me this would also be enforced by XXXX and XXXX for the next year.
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, Account name : TOP LINE # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested through XXXX XXXX that I am no longer financially responsible for a mortgage that is under my ex husbands name on XX/XX/2017. I have not been notified and XXXX XXXX   is still giving me mortgage updates and hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, my husband and I applied for a car loan. We were very surprised that XXXX XXXX, a previous lender with whom we have had an excellent payment record, denied our request for credit. After having accepted an auto loan with XXXX XXXX at a higher interest rate, we perused the letter of rejection from XXXX and realized that there was a large disparity between the major credit reporting companies and XXXX, XXXX. Their low credit score of XXXX compared to XXXX XXXX XXXXXXXX explained the higher interest rate. 

We attempted to contact XXXX XXXX XXXX but they have no online access and only a toll free number which promises to return your call. Once reached, they request hard copies of social security identification numbers and other identifying information. 

It appears that we are not alone as the internet is full of complaints from other consumers who believe that this organization is purposely lowering credit scores in an effort to justify higher interest rates. 

Judging from the complaints on the internet, it appears that the majority of complaints are related to new car loans. 

We seek your help in researching this organization as they reflect a three hundred point difference from XXXX XXXX and XXXX 

We are not familiar with this company and will not provide any identifying information to a totally unknown entity. 

Could this be a scam?
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not and do not ever verify debts with the credit bureau. So, if this is the case, how did the credit bureau verify the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681.

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.