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

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT.

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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages.

FALUIRE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESOLT IN LITIGATION TAKEN AGAINST YOU. 


Sincerely, Thank you
Product: Debt collection

The company Global Credit and Collections aka XXXX aka XXXX are trying to recover a debt that I forgot I had it was over 16 years ago, or I may have paid it. I got a phone call, missed it and over heard the voicemail. Days before I received a letter which I notice had me to pay overXXXX, never had debt like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In applying to get this information removed for about the seventh time I will refused to stop trying to because of my rights. Also I have been told that the CFPB hasn't looked because of the fact that they have a XXXX who have an complain in and because of this don't repay and therefore the credit company knows this and gives the same answer and that is not right. It's not my fault nor is it the problem of everyone that has filed an complaint. This information was removed by XXXX because of the facts and therefore moved the it from their records based on the same facts i attached in the to this complaint. There's a need to assure that the consumer reporting agencies exercise their grace responsibilites with fairness impactiality and respect for consumers rights to privacy in applance with the fair credit reporting act 5611. 15. U.S.C. & 16811 states that the information must be deleted.
Product: Credit reporting

There is a XXXX name affiliated with my credit score. How is this possible, and did this person take out any lines of credit in my name?
Product: Credit card or prepaid card

On XX/XX/2023, I did a balance transfer of {$8000.00} to my Wells Fargo credit card. This was a mistake on my part as should have been to another credit card and my wife got them mixedup. Regardless, Wells Fargo has received {$8000.00}. They have refused to refund it immediately, claiming it needs a security review and telling me that it could take 30 days or more. Secondly, I have a Wells Fargo bank account. Even after the review, they could immediately credit my bank account. However, they only committed to sending me a check in the far future, without any commitment on how long THAT process takes. 

First, they have already received {$8000.00} from XXXX XXXX XXXXXXXX, which has never needed security reviews when they pay money. While Wells Fargo mucks around, they are earning interest on my money, whereas I am paying interest immediately for the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit card or prepaid card

Chase Bank is running a credit card scam in which they offer a promotion, in this case XXXX bonus points worth {$750.00}, if a business applies for their credit card in this case a Chase XXXX XXXX XXXX credit card. 

After the customer applies for the card, Chase sets the limit below the amount required to qualify for the promotion, making it difficult or impossible to get the promotion. 

It is a fraudulent scam by Chase. If 1 million people apply for this promo this represents up to a {$750.00} XXXX fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was car searching online at XXXX ( I believe ) or another site around XX/XX/2022. I was looking at a vehicle and it gives you an opportunity to revise down payment and projects monthly payments. I never contacted the dealer and never even made any inquiries about the vehicle or about qualifying/applying for a loan. I received a notification from XXXX XXXX that there was an inquiry from XXXX XXXX. I have never heard of this financial company and never applied, either directly or indirectly, for a loan with them. I contacted Experian and file a dispute. The dispute was denied. I called Experian and they stated that I needed to contact the company and ask them to submit a request to remove the inquiry. On XX/XX/2022, I received a letter from XXXX XXXX stating I was denied a loan. Again, I never applied for a loan and never authorized them or any other car dealer to run a credit check. On XX/XX/2022, I contacted XXXX XXXX and explained what had happened and stated that I was told by the credit bureaus that I had to ask XXXX XXXX to request the inquiry be removed. They refused to do so and stated it is not their responsibility. They also refuesed to provide me who authorized them to run an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Upon conducting a recent review of my credit report, I discovered several items that are unverifiable, invalidated, inaccurate, and questionable. These inaccuracies have caused me significant distress and hardship. Your agency is obligated under federal law to ensure that all reported information is accurate and complete. Per 15 U.S. Code 1681e ( b ), it is required that you, as a consumer reporting agency, " follow reasonable procedures to assure maximum possible accuracy '' of the information reported about me. However, the items listed below fail to meet these standards : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts and have not been verified. Remove immediately.
Product: Credit reporting or other personal consumer reports

Hyundai is reporting that I have a closed account on a auto lease with a XXXX balance but is past due since XXXX. The account closed XX/XX/2019. When I spoke to XXXX XXXX they told me it was going to claims. Hyundai tells me they are not showing anything on all 3 of the vehicles we had with them. They told me my credit with them is great and I could walk in and get a car. My credit score went from my usual XXXX to XXXX from XXXX to XXXX.
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 & 15 USC 1692. 

XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX 15 USC 1681 Section 602 A. States i have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

15 USC 1692
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I need this item removed from my credit report immediately or further legal action will be taken.
Product: Credit reporting or other personal consumer reports

Delete listed inquiries immediately because theyre validating my rights as a consumer. If inquiries are not deleted immediately legal action will be taken.
Product: Credit card

XX/XX/2023 XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Store Card for Amazon I miss XXXX XXXX received this card and XXXX of XXXX  return several items what's Shown up above. By the carrier of XXXX XXXX File a dispute XX/XX/2023 the items were not credited back to my store card. Is stating that they issued it in a gift card without my authorization there are no transactions of a gift card issued on my account with Amazon my card has been closed out without my authorization for delinquent payments my transactions of payments the payments were being made I was advised by customer service not to make a.ny more payments until the issue was resolved I took it upon myself to make payments the credit line was only for {$400.00} I do not understand how it is {$200.00} with a payment of {$40.00} due. At the opening of this account {$400.00} line of credit what's {$15.00} payments per month when I had the card ran it came up as a scam? My ending results do you have this card removed off of my credit report immediately to given service of my card with Amazon
Product: Credit reporting or other personal consumer reports

n 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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Pursuant to 18 USC 8. I owe no debt. this company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Remedies for Willful Non-Compliance : Under the FCRA, 15 U.S.C. 1681n, willful non-compliance with credit reporting laws can result in liability for actual damages, statutory damages of up to {$1000.00} per violation, and punitive damages. Additionally, the law provides for the recovery of costs and attorneys fees incurred as a result of the violation. I am prepared to pursue all available legal remedies should you fail to correct this inaccuracy and comply with applicable laws. I am writing to formally dispute and demand the deletion of an unauthorized hard inquiry from my credit report. The details of the inquiry are as follows : Inquiring Entity : SYNCB/SAMS CLUB Date of Inquiry : XX/XX/XXXX  Address : XXXX XXXX XXXX XXXX, FL XXXX I did not authorize this inquiry, and it is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of information are required to ensure the accuracy and completeness of the information they provide to consumer reporting agencies. Reporting an unauthorized hard inquiry violates this requirement. 

I request that you investigate this matter and remove this unauthorized inquiry from my credit report immediately. Please confirm receipt of this letter and inform me of the actions taken to resolve this issue.
Product: Checking or savings account

My direct deposit has not come, usually paid on XXXX. Capital one also did not draft my credit card payment and the money is in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX summary Equifax XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Name Date Assigned XXXX XXXX XXXX  Original Balance {$2200.00} Current Balance {$2200.00} Responsibility Individual Status Comments Consumer disputes this account information, Collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was adequately investigated but how is that possible if the account was re-opened and closed again? This is grounds for removal they also violated my rights under 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 ( a ) ( 1 ), any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation or remove the account from both credit reporting agencies. Experian and XXXX XXXX I have filed numerous complaints on this collection account. And if the investigation was done properly the resolution would not keep coming back verified. XXXX is providing incorrect information for this collection account. XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX XXXX on Experian XXXX
Product: Checking or savings account

I opened a checking account online with current bank CURRENT XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX However, I found that they added a credit builder to this checking account and reported it as secured credit card to XXXX XXXX. I only agreed to open the checking account.
Product: Checking or savings account

My Capital One account was suddenly locked at the end of XXXX  and I have been unable to access my funds since then. 

I was not given any prior notice, and Capital One did not provide any explanation or solution. 

I attempted to contact customer service, but I was unable to reach anyone. 

I request an immediate refund of my remaining balance and the closure of my account. 
This situation has caused me financial distress, and I demand a resolution as soon as possible.
Product: Debt collection

The XXXX XXXX organization sent my account to a collection company, Receivables Management of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with Receivables Management of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Product: Checking or savings account

Wells fargo closed my account because a payroll check I deposited was no good. Isn't that what a bank is for but instead they froze my accounts and kept my funds that were in my account for over a month. And I didn't have online access to my accounts and they also froze my debit cards and I'm XXXX and couldn't pay for my supplies or my nurse.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX : XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX, XXXX XXXX Balance : {$210.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX ( Original creditor : XXXX  XXXX  ) XXXX Balance : {$3400.00} XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$590.00}. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
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 XXXX XXXX XXXX. 

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

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

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.