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

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency ( Report Number # XXXX ), block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a Secured loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another Secured Loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another Auto Loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), also a Collection Account opened at XXXX XXXX XXXX ( Original Creditor XXXX ) on XX/XX/XXXX under the account number ( XXXX ), another Collection Account opened at XXXX XXXX XXXX opened at XX/XX/XXXX under the account number ( XXXX ) and another Credit Card with XXXX opened at XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Product: Credit card

I have disputed the following item below with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, XXXX and FACTA.
Product: Debt collection

Your company is reporting the below-referenced account on my credit report as a collection account. 

XXXX XXXX XXXX XXXXXXXX {$490.00} Date opened XX/XX/year>. 

I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you, please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 

You have XXXX ( XXXX ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( XXXX ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Debt collection

Allegiant Capital Recovery called me for several months from various numbers and contacted my family members with harassing calls after I told them not to. I never even verified myself and told them I wasnt aware of the debt that they spoke of because I generally didnt and they still continued to harass me and contact my close family members. They were so rude over the phone and told me I sounded and seemed like I fit the demographic which I found to be very XXXX. I want them to leave me alone, seeing that I have no knowledge of what they speak of, more professionalism before I have to sue them.
Product: Checking or savings account

I opened a Bank of America BUSINESS checking account ( XXXX XXXX XXXX ) for the express purpose to deposit my rental income checks from XXXX XXXX XXXX XXXX XXXX XXXX ( which is the property management company that manages my rental properties. ) I was told by the Bank Manager that I would have access to those funds the same day, that I deposited my check. Today, I could not use my debit card. I checked online to discover I did not have a penny of those funds available to me. Bank Mgr tells me a HOLD was placed on this check until XX/XX/XXXX! He said any checks written will BOUNCE!!! WHO incurs all the NSF & Bounced Check Fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted,
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found multiple addresses that didnt belong to me
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not my address, I have never lived at the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in an active forbearance now due to the fact I was sold a house that doesn't meet VA loans approval at all in the last 2 months XXXX XXXX has added XXXX and XXXX to my principle balance lowering my credit score by XXXX points under the cares act it not supposed to negatively affect me at all this needs to be rectified immediately!! they are giving me the run around and blaming everyone else other than them making the mistake i only owe XXXX not XXXX i bought the house for XXXX
Product: Debt collection

Subject : Cease and Desist Communication - Account Number XXXX Dear I C SYSTEMS COLLECTIONS, I am writing to address the numerous violations of my rights and applicable laws that have arisen in connection with your pursuit of an alleged debt associated with account number XXXX. I categorically do not consent to any business dealings with your company, and I insist on the immediate cessation of all communication. 

The following violations have been identified : 1. **Illegal Obtaining of Personal Information : ** Your company has unlawfully acquired my non-public personal information and used it in an attempt to coerce payment for a debt I am not obligated to pay, constituting a violation of my privacy rights. 

2. **Deceptive Collection Practices : ** I contend that your debt collection efforts involve deceptive practices, as I am not under any legal obligation to settle the alleged debt. 

To address these issues and uphold my rights under Georgia state law and federal statutes, I insist on the following actions : 1. **Cease and Desist : ** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C . 1692c ( c ) ], I demand an immediate cessation of all communication from I C SYSTEMS COLLECTIONS, with the exception of written correspondence through mail. 

2. **Third-Party Communication Prohibition : ** In accordance with the FDCPA [ 15 U.S.C. 1692b ], your company is hereby prohibited from communicating with any third parties regarding the alleged debt. 

3. **Deletion of Personal Information : ** Under the Georgia Fair Business Practices Act [ O.C.G.A. 10-1-393.4 ], I insist on the prompt deletion of all my personal information from your records.

4. **Removal from Credit Report : ** Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ], I demand the immediate removal of any information related to this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 

Failure to comply with these demands may result in legal action, including but not limited to filing complaints with relevant regulatory authorities and pursuing remedies under the aforementioned laws. 

Your prompt attention to this matter is not only essential for resolving this dispute but is also required by law.
Product: Credit reporting or other personal consumer reports

Equifax has not send any information on why this account keep reapaering on my credit report once it has been removed. Equifax reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )
Product: Debt collection

I have received tens of calls from XXXX XXXX XXXX in XXXX Maine regarding a debt for XXXX XXXX. I am not her nor have I ever known her. I have repeatedly told this to the company but they insist on calling me at all hours. They must stop.
Product: Student loan

On XX/XX/2018 about XXXX XXXX my mother who is the co-signer on the loan contacted Navient and paid part of what was due. At that time the customer service agent told her that the loan would be brought to current and the next payment would not be due until XX/XX/XXXX. Since that time I have gotten 19 harassing phone calls and counting telling me that my loan is past due. I called yesterday ( XX/XX/18 ) at XXXX to ask why I was still being called, to which the customer service person told me that there was a note on the file and it was the case that the loan was brought to current but took some time to reflect that as it was paid on a Friday. I'm not sure what day it was paid on has to do with anything or why they can't see the note on file. After talking with them my mother and I have both received emails today ( XX/XX/18 ) saying the the loan is past due and to contact them immediately. I had previously received an email that said that my contact information may be outdated and to contact them, which was another ploy. My mother and I both feel we are being harassed about an issue that they have said was taken care of.
Product: Credit reporting or other personal consumer reports

Hello, I'm XXXX XXXX. I am writing to demand my privacy rights be respected. XXXX, XXXX amd Equifax are violation my privacy which the government has sworn to uphold. As a US-based business they should follow the law. Not only have they violated my right to privacy but they have also violated the FCRA. They are sharing my information without consent, written instruction or authorization. I have no contracts with these consumer reporting agencies and they have no excuse for sharing my information with their affiliates. This invasion of privacy and extortion. They threatening to continue disclosing my personal information until I pay. This is also a violation of the criminal coden18 us code 1343. They are using multiple sources to promote and propagate fraud, extortion and identity theft 18 us Code 1028. 

In addition to these blatant violations there are still more problems unresolved I expect all late payments to be removed. Transactions are to be excluded from the report. So much of the FRCA has been violated I have grown weary of finding violation. I will simply list then as follows : 1. 15 usc 1681a 2. 15 usc 1681b 3. 15 usc 1681c 4. 15 usc 1681i I am demanding the cease of improper reporting and knowing violations as per 15 usc 1681s. 
In order for equitable relief I demand the following items be removed without delay and rapid restore, or I will be forced to instruct the FTC and CFPB to do a thorough investigation. 

1. XXXX  XXXX - Remove Late Payment 2. XXXX XXXX  XXXX XXXX XXXX XXXX. - Remove Account. 
3. XXXX XXXX  - Remove From Report 4. XXXX XXXX - Removed Account 5. XXXX XXXX  - Remove Account 6. XXXX XXXX - Remove Account 7. XXXX/XXXX  - Remove Account 8. XXXX/XXXX  - Remove Account
Product: Checking or savings account

I am filing a complaint against XXXX XXXX regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. XXXX XXXX misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redresst for these violations.
Product: Vehicle loan or lease

I refinanced my vehicle with capital one auto finance XX/XX/XXXX. My original purchase was joint with my spouse in XXXX. I refinanced solely alone however, capital one auto finance still has my spouse listed on the title as joint. I've phoned capital one since XX/XX/XXXX, spoke with more than XXXX reps. XX/XX/XXXX I was informed to ask for XXXX reps in resolution dept for a specialist. I spoke with XXXX XXXX id # EIT ) XX/XX/XXXX who says he'll take care of problem and aware of all my attempts to resolve the issue. I have really called more than XXXX times without resolution. Capital one neglect to correct my title so I may be able to sell/trade my vehicle. This is capital one auto error. I shouldn't have to send them my only title. Why aren't they able to assist with XXXX providing correct title. The non XXXX reps doesn't understand and very rude. They aren't able to assist. Capital one auto should be able to obtain their own title from XXXX. This is a huge inconvenience in my life. Please make, yes, make capital one auto finance provide correct title in my name alone. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$78000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$78000.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a XXXX $ personal loan that was to be paid back in XXXX payments of XXXX XXXX I paid the XXXX payments and the next month after my last payment they called saying that I owed them another payment which I did not. Payment history reflects the XXXX payments as well. It's has continued to be reported on my credit and there is late charges of XXXX $ on a payment that I did not owe. Even though the account has been closed for years they still keep increasing the " late charges ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to order my credit reports from XXXX and Equafax and is not able to. I should be able to obtain my reports from both of them without all the run a rounds.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items nor the old information from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 
The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$810.00} XXXXXXXX XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balance I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank # 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Portfolio Recovery Associates is a debt buyer/collection agency. They have listed themselves as a debt buyer on all XXXX of my credit reports but under the status section they state that this collection account is past due as of XXXX 2015. They appear to have provided incorrect information in an effort to " park '' themselves on my credit reports. I do not have any accounts with these people. It appears they may have taken information from an original creditor and attempted to make it their information. This is deceptive reporting practices and they have no right to claim that I owe them when I have no contract at all with these people.
Product: Mortgage

My husband passed away and I am trying to sell out marital home. To my horror I was just told that XXXX XXXX XXXX XXXX acquired by Bank of America, NA in XXXX failed to discharge an equity line of credit of that was paid off during a refinance in XXXX. I am beside myself as I need to sell this property as expeditiously as possible. My husband 's name was XXXX XXXX XXXX. To the best of my knowledge we were both listed on the mortgage. After my husband passed away I shredded a lot of documents and can not locate any original documents related to this mortgage. I am now under contract with the house and need clear title. Please help! <P/>Thank you for your prompt assistance in this matter.