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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/year>, my debit card was taken out of my hand and swiped through a card reader without my permission by a woman at XXXX XXXX in XXXX Oregon. The transaction not only went through once, but twice. This made me become stuck in my car about XXXX miles from home for almost XXXX weeks. I have been fighting with Stride/XXXX  ever since. I have filed a police report and the establishment even submitted a letter stating they never made 2 charges, when in fact I was charged twice and they still deny me. They do not record my answers correctly, it is as if they do not understand XXXX and every time I ask for the reason why, they show me my own answers incorrectly dictated. This company has gone down hill quickly and should not be allowed to do any business in the US
Product: Credit card or prepaid card

I have requested at least on 4 different occasions for Capital One to provide me with a ONE time courtesy goodwill for ONE late payment on my account. The late payment occured in XX/XX/2017 when I was making a transition in employment. I have since maintained a positive account, making all payments on time and for the balances due. I've contacted XXXX XXXX in reference to requesting credit limit increases and was given inaccurate information. I have emailed about the inaccurate information and the process for getting CLI or changing account over to unsecured and those emails were never addressed.
Product: Checking or savings account

On XX/XX/2024 I noticed a transaction from a XXXX XXXX XXXX in Texas in the amount of {$30.00} on my checking account with Current. I was at work when I noticed, I work and live in XXXX XXXX XXXX. I immediately called my bank and let them know of the transaction and that it was made with my digital card. They cancelled the card and issued me a new number and open a dispute for the amount. I tried calling the establishment but never got through. The same day I notice more transactions at the same XXXX XXXX XXXX but on my XXXX credit card, I called and informed them as well and they issued me a new card and open disputes for those transactions. After a few days, XXXX card gave me full credit for the transactions marking them as fraudulent. Unfortunately this was not the case with my bank Current, the emailing me letter me know that they did not see anything fraudulent with the transaction. I replied with an appeal and even included the disputes from XXXX bank to show them that this had happened to another one of my accounts and that it was in fact fraudulent since there was no way I could have made those purchases. They still said that there was not enough evidence showing that this was made in error or that it was fraudulent even after speaking to them on the phone.
Product: Debt collection

CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed.

Please provide me the following information : 1. Name and address of alleged creditor : __________________________ 2. Name on file of alleged debtor : __________________________ 3. Alleged account number : __________________________ 4. Date that this alleged debt became payable : __________________________ 5. Amount of alleged debt : __________________________ 6. Was this alleged debt purchased or assigned to a debt collector? __________________________ 7. Amount paid if debt was purchased : __________________________ 8. Commission for debt if collection efforts are successful : __________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature. 
2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account.

Please provide me with the name and address of the bonding agent for XXXX XXXX XXXX, in case legal action has to be taken. 

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter. 

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX : XXXX XXXX XXXX, All Natural Rights Reserved!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Both and my insurance company have been talking to multiple people in customer service departments in Freedom Mortgage for the past week just to get them to send the check from MY ESCROW account to the insurance company for XXXX XXXX XXXX XXXX XXXX. <P/>The original check dated XX/XX/XXXX, was stopped pay ( as it never arrived at XXXX XXXX ) with a guarantee it would be resent same day on XX/XX/XXXX and overnighted. By XXXX XXXX  on XX/XX/XXXX when the check still had not arrived.
<P/>I called Freedom Mortgage to get the XXXX tracking number. After being bounced around for an hour I was told there was no tracking number, the check had not been sent it was just cut as a result of my call and would be sent out in the am XX/XX/XXXX for overnight delivery. <P/>I called on XX/XX/XXXX and told that the checks from XX/XX/XXXX & XX/XX/XXXX were cancelled as the system rejected the checks due too many checks being written from the escrow account. The service agent said they would overwrite the system and issue a new check which would be sent on XX/XX/XXXX. <P/>I advised the service person that I needed the check sent on XX/XX/XXXX as I was currently not covered for XXXX XXXX XXXX and the insurance had now lapsed since XX/XX/XXXX due to their errors. I asked that they overwrite the system get upper management approval to issue and send the check same day. <P/>After an hour of being sent back and forth and waiting for a manager to take the call the service agent got on the line and said I could no longer tie her line up and hung up on me. <P/>I called in later and got a different agent who said he would get the check sent today and provide me with the XXXX tracking number. The agent called at XXXX XXXX and advised he could n't get the check sent and that he would guarantee it to be sent tomorrow am he would follow-up with a call to me with the XXXX tracking number if it could n't be sent he would guarantee they would wire it to my insurance company. He also guaranteed that my house would be covered if any damage occurred from the storm currently in the XXXX headed for the gulf coast. He said he would issue this guarantee in writing via email before he left this evening. <P/>I have no XXXX XXXX XXXX coverage and there is a storm in the XXXX. The minute that storm gets named if my insurance company has n't received the check, I will not be covered for said storm. <P/>I expressed this over and over to customer service Freedom Mortgage to no avail not only did they not care, they did nothing to push the check out tonight for immediate overnight to the insurance company.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in attachments.
Product: Checking or savings account

Hello, to may it whom concerns I was running a small company test for less than 90 days before opening my business credit and debit card. There was an incident that happened with my company and the merchant that was involved to receive my payments so they could ship the products to my customers but they canceled the transaction prior when the purchased occurred. 

However, I have contacted the merchant company which was XXXX to asked what happened after a couple of days without my knowledge of knowing what had happened. I recall one of the customer service said the transaction was canceled within 24 hours so which clearly means the products didn't get fulfilled for my customers.

From this point I'm confident that they will release/refund my money which they did, they simply refunded within 72 hours. So which means banks release the money within 3-5 business days to my account.

I have waited for more than 10 days, I was like maybe something went wrong with the merchant so I contacted them and they said usually this takes 3-20 business days, so I'm satisfied and moved on with my month, 30 days passed and still, nothing is happening. I definitely contacted the bank and told them that I still didn't receive the money. 

I filed a claim dispute on XX/XX/XXXX. The bank reached out to the merchant on XX/XX/XXXX. Literary the bank took that much time to reach out, their word was " 90 days '' to get this solved. 90 days passed around XX/XX/XXXX, and they said : " we have to wait until 90 days for the merchant to get back to us. '' What totally made me reach out to you guys was, this has been almost more than 100 days since when they said " 90 days '' for the consumer, not the merchant. 

I would like my funds back. All I wanted was them to push that button and release my money to my account since the merchant already refunded me. I lost my trust with Bank Of America, I would like you guys to come in and help me with this case because they clearly give zero XXXX for the customers. 

Thank you,
Product: Credit reporting or other personal consumer reports

Documents got stolen in XX/XX/XXXX. I noticed a couple of hard inquiries l dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Affirm added over XXXX accounts on my credit report i had filed a Police report for credit fraud in the past i called Affirm and they could nof verify my information oviously because its fraud i dont know what phone number they used. They referred it to XXXX a collection agency i contacted them explain to them its not me its fraud. They just sent me a report that has my name and social number it shows purchases from XXXX I called XXXX and they dont want to give me information because i dont have the phone number or account number that the fraud person used. They keep sending me letters saying i owe them its my account its verified but i did not sign any contract or ever had affirm its fraudulent and frustrating.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove these fraudulent accounts : 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

Netcredit a loan provider made a determination on a loan by a third party which I believe violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX .According to the fair credit reporting act 15 USC 1681 I have the right to privacy..Also according to 15 USC 6802.No financial institutions is not supposed to share my information to third parties people.these are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming you owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights.

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 

SANTANDER XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.
Product: Checking or savings account

on XX/XX/2021 I opened a business checking account. My ex-husband, out of spite, called and claimed the account to be fradulent. I went into a local branch with all necessary documentation to prove that this was not fraudulent however, Suntrust/Truist , closed the account. There was a deposit/balance in the account at the time of closure ( XX/XX/2021 ) which was held for several months and never released to myself/my business. On XX/XX/2021 I called and was informed that the deposit amount of {$13000.00} was returned to the issuing bank and refuse to provide me with any explanation or written documentation showing the paper money trail. I don't know who the " issuing bank '' is and my client that initiated the deposit claims that they have no access or record of the funds being returned to them either. I need an explanation of where the funds are, and have them returned to me immediately along with interest for the time they have had our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WERE OPEN IN MY NAME SOMEONE USED MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

On XXXX I submited a complaint with the CFPB against Nelnet in reference to inaccurate information on my credit report. In that complaint I stated the following : I have reached out to XXXX as well as Nelnet LNS on numberous occassions in reference to the fact they arereporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My Nelnet LNS account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. XXXX and Nelnet both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from XXXX. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 daysand 120 days if an account is in fact late which I wasnt on this account. 

I submited with my complaint several months of credit reports showing the inaccuracies reported on my credit report. Nelnet responded with the letter I am including named XXXX XXXX ( F ) ( 1 ). 

Based on the letter Nelnet sent I filed another complaint on XXXX. I included their original letter as well as all of my original documents. On XXXX I received a response via a letter posted to the CFPB complaint. Nelnet responded with a stall letter stating I am third party acting on my behalf. I am including the letter named XXXX XXXX XXXX. 

The actions of Nelnet is a violation of my protected rights under. Based on the information I provided and their first response this account must be deleted to be in compliance with The Fair Credit Reporting Act laws.
Product: Credit reporting or other personal consumer reports

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There's hard inquiries on my credit profile that are not mine I noticed when I was reviewing my report.
Product: Credit reporting or other personal consumer reports

TransUnion and Equifax updated balance of $ XXXX from my XXXX account which is correct. I checked today XXXX XX/XX/year> and both companies added the debt of $ XXXX back on my credit as a debt under XXXX  XXXX XXXX XXXX THIS IS XXXX. They are the same, the credit bureaus added a paid in full account back as a debt on my account. XXXX is an XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I WANT the $ XXXX thats paid in full showing as {$0.00} balance and updated correctly instead of showing CURRENT. This account is PAID IN FULL. The account XXXX show as XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has wrongfully verified information with the bureaus, multiple times stating that there reporting meets FCRA requirement. Ive received serval collection notices from a company named XXXX stating they that own the debt. As you see, on my report it does not state the account has been sold/ transferred and the balances are also inconsistent. Experian has also told me that they refuse to re-investigate this matter unless I attach documents supporting my claim.
Product: Credit card or prepaid card

Various different information provided from credit bureaus. Please verify. If not, please remove and delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to XXXX on Tuesday XX/XX/2019. XXXX Tuesday XX/XX/2019 and Trans Union Wednesday XX/XX/2019XX/XX/XXXX