23daVinci/CFPB_Complaints huggingface dataset:
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 168b permissible purposes of consumer reports. 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. 

NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

I have received 4 phone calls in the last week from this company, Portfolio Recovery, and I only discovered who it was by XXXX the numbers. They are a debt collection company. I have no old debts that are still within statute of limitations for debt collection, and I have a 100 % on time payment record with my current debts, so there is no reason for them to call me. I do not answer unknown numbers, and if no message is left, I block the calls. They call from a different number every time. They need to stop, they need to be sued, they need to be put out of business. The calls I've received so far : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i went get a car loan and the company applied to several companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Through the steady app, I opened the Kovo account and since then the account has been paid with a monthly fee of {$10.00}. Since account opening, Kovo has solicited more business from me by offering a personal line and credit, which in fact is not a personal line of credit. They offer a service to report a tradeline as a personal line of credit, though no money is disbursed or borrowed with identity theft monitoring. I do not like the transparency from either companies. I was not paid the incentive of {$20.00} from steady app to open the account as promised, after making necessary payments. Upon my dissatisfaction, I requested over five times that the kovol account be closed. I reached out to their customer support via virtual chat and email. I made sure that my payment method always had available funds. Ive never had a problem with payments before and now theyre saying that the payment method has been declined. I know for a fact the payment method has available funds on it. I requested that supervisor call me or reach out to resolve the issue. I never heard from the supervisor. To close the account without additional payment, would report as settled for less. However, I never borrowed money, so how is that? It is very misleading. The only way to report the account as paid in full, is to pay additional money, however theyre not authorizing my payment. My credit card company has confirmed there is no declined payments as well. I havent had a supervisor reach out to me nor any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15USC 1681 ( b ) ( 2 ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they have assumed this role. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accountsin my Credit Report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

XX/XX/XXXX {$59.00} charged Per XX/XX/XXXX email : {$25.00} Per XX/XX/XXXX email : {$51.00} due ( no calls, emails, or mail from Barclay of issue ) Per XX/XX/XXXX email : {$93.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$160.00} due ( no calls, emails or mail from Barclay of issue ) Per XX/XX/XXXX email : {$180.00} due ( no calls, emails or mail from Barclay of issue ) Letter in mail from Barclay received XX/XX/XXXX. Card closed. 90 days past due. No amount given. 
XX/XX/XXXX : called customer service, balance of XXXX. Spoke with representative, said my account was in collections and I owed {$210.00}. Immediately paid online within closed account {$210.00}. Unable to do anything else as weekend and after hours customer service representatives do not have access to accounts in collection even though they are the phone # listed on letter. 
XX/XX/XXXX : called same customer service # and representative was able to assist in giving information as well as submitting dispute for me. 
XX/XX/XXXX : Received decision from Barclays that since they delivered my statements to me via their online website, they declined to honor my request.

I always pay my bills and may have missed one but immediately rectified it since other businesses made sure I was aware of an issue. Barclays failed to let me know there was an issue and also charged me late fees in the amount of {$150.00}. Almost 3 times the original charge. Barclays only communication with me that there was an issue was when they mailed me the letter closing the account. This does not appear to be an above board way of doing business. I also received news on the paper statements mailed to me on XX/XX/XXXX that effective on or after XX/XX/XXXX, late payment fee was " Up to {$40.00} ''. Since I was charged {$39.00} on 2 separate occasions prior to XX/XX/XXXX, I am wondering how that makes any sense. It appears they charged me more without it being in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Debt collection

Keep getting calls and emails from this company saying I owe XXXX I have never received anything in mail about this debt I dont owe that debt and I want them stop harassing me and they also call from a number XXXX saying they have claims against and I need to call XXXX immediately before action is taken they call my home phone which my husband is XXXX and it upsets him and he gets nervous which isnt good I want this stop and I will not pay something I dont owe The emails have a XXXX XXXX name on it and I dont know him or never had dealings with this company I want them to stop now
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I used XXXX to transfer funds to the merchant, training with XXXX XXXX  in XXXX, GA. which were being withdrawn from my bank account. I intended to transfer {$90.00}. but the withdrawal was INCORRECTLY XXXX I immediately contacted the merchant, XXXX, and the bank instution to stop the mistaken extra {$810.00} from processing in his account. " XXXX XXXX " would never return my call. I could never get any information to contact and speak with XXXX ( XXXX ) is a branch of bank of America. I filed a claim with Bank of America, they would never give me any information they would promise to give a provisional credit and didn't, they claimed to send the complaint but never sent me what was sent to merchant, neither would they allow me to speak with a manager bank of America gave me the biggest and worst rin around and would not assist in getting my {$810.00} overage XXXX transfer back from the merchant and the merchant refuse to speak with me and return my {$810.00} over payment which should be the full {$900.00}. ( because the {$90.00}. I intended to transfer I never used has service so I should have the intended {$90.00} returned back to me. Please return my {$900.00}.
Product: Checking or savings account

My grandmother died in XXXX. I was to be named executor of her estate. I noticed that three checks were written on her account by my cousin, totaling {$8500.00}, while my grandmother was in XXXX. I reported this IMMEDIATELY to Key Bank, both to a personal banker, and to Key Bank Fraud. ( See attached phone call detail report showing 15 minute call to Key Bank Fraud on XX/XX/XXXX ). Nobody at Key Bank would help me at all, until the estate was opened. This took several months to accomplish. I live in XXXX  XXXX, MO, and the bank is in Ohio. I was then told, by Key Bank, that since it took over 90 days to open the fraud case, that I am not able to recover any of this {$8500.00}.
Product: Checking or savings account

On XXXX XXXX XXXX I submitted request to checksystems informing them I was a victim of Identity theft
Product: Debt collection

On XX/XX/year> XXXX Equities ( Dobberstein Law Firm ) filed a small claim lawsuit in XXXX XXXX XXXX, XXXX Wi. The date of the hearing was XX/XX/year>. They mailed communications to me to an address in WISCONSIN I DO NOT reside at, causing me to receive documentation late. On XX/XX/year>, they mailed a letter to me regarding the debt, amount owed, and that I have until XX/XX/XXXX to dispute the debt. This was sent to my new address in NORTH DAKOTA. I was not given XXXX  days to dispute. They went ahead with the lawsuit and because I was not able to appear ( I do not live in Wisconsin ), they filed the judgment against me. I thought I had until XX/XX/XXXX, per the letter. They are now attempting to garnish my wages. I spoke with an attorney in Wisconsin who advised they can not do this because they have to file something with my new state, which this debt collector/law office clearly knows my new address since they sent me the debt letter AFTER they filed the lawsuit. I wasn't even aware they had my debt. From my understanding, they are supposed to allow you XXXX  days to dispute prior to filing any lawsuit. I have been attempting to reach this office. I called the courthouse who provided me contact information. I also used the contact information on the form they mailed me. I have attempted calls and emails. They do not answer the phone. They do not respond to emails. I started putting delivery and read receipts on my emails. I also received a letter from the court house dated XX/XX/year>. I didn't receive this until XX/XX/XXXX. They sent it to my old address in Wisconsin. I have copies of the envelope that shows it was mailed, and then the yellow sticker from the post advising it was rerouted on XX/XX/XXXX. I am not getting my mail because they obviously didn't inform the judge of my new address they clearly had. I am not sure where to go from here. I wanted to be treated fairly. I wanted to have my 30 days to work out a payment arrangement with them, as I could have had this paid off by the end of XXXX, but they will not answer or respond. 

Dobberstein stated they released the garnishment. The garnishment was not released. My wages were garnished in the amount of XXXX for a check dated XX/XX/year>. This firm did not notify me of this legal action properly or follow my state 's requirements of notification of legal action, and they did not notify North Dakota of this garnishment. My wages are being garnished even though I attempted to work out a payment plan. This firm needs to be investigated. Additionally, they are requesting the ages of my dependants. This is not legal and is a form of harassment. They did not provide me with XXXX  days to dispute the debt or request further information before taking me to court. They filed the court case before doing this.
Product: Credit reporting or other personal consumer reports

XXXX. [ XXXX XXXX XXXX XXXXXXXX ] account was sold tXXXX XXXX XXXX XXXX XXXX ] but still shows a balance owed and has not been updated to reflect a {$0.00} balance or marked as sold or transferred, in violation of FCRA 623 ( a ).

There is inconsistent and incomplete payment history reported across bureaus ( e.g., reported on XXXX but missing on XXXX ). 
XXXXXXXX XXXX XXXX XXXX  ] ] account was sold to [ XXXX This account exhibits the same issues : it was sold to [ XXXX XXXX XXXX ], but the original creditor has not marked it as sold, transferred, or updated the balance to {$0.00}. 
Inconsistent and incomplete payment history reporting continues to violate FCRA standards. 

[ Add additional accounts following the same structure as needed. ] These inaccuracies violate federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally : XXXX has a history of failing to properly verify disputes, and this negligence undermines confidence in their credit reporting practices. 
XXXX XXXX data breach exposed sensitive consumer information, further demonstrating their lack of reliability in maintaining accurate reports. 

Per the Federal Trade Commission ( FTC ) guidelines, inaccurate or unverifiable information must be deleted from credit reports. As such, I am requesting the immediate deletion of these accounts from all credit bureaus ( XXXX, XXXX, and TransUnion ).
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$550.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$91.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3500.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$12000.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection reported on my credit report for a work comp claim that was paid the agreed amount for claim between the insurance carriers and the medical services provided. I disputed and the credit bureaus are not removing. This is not my debt. I want this removed from all credit reports immediately. Documentation was provided by all parties on the claim and payments. This is an example of how people are harmed by fraudulent reports against them. If I actually owed this it would be different. This has caused a severe adverse drop to my credit score, causing me more time and money to try to have something removed that was never my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open XXXX XXXX account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers 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 is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX