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

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

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

my son didn't return equipment to XXXX. I was billed for equipment at a house that I never lived in. XXXX never notified me of an unpaid balance or unreturned equipment because the address was not part of my account. a collections service sent the bill to me so I went and picked up the equipment and returned it and paid the balance because it was hurting my credit rating. this should never have been on my credit report to begin with. I have tried disputing this with XXXX and TransUnion. 
it was placed in collections on XX/XX/XXXX for {$180.00} and paid on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Experian multiple time and have sent in more than 3 disputes for this issue. They have failed to update the inaccuracies on my report.

The reported late payments on this account are inaccurate and fraudulent, as they are the direct result of identity theft and data breaches. This correspondence serves as a notice under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must block the reporting of information that is the result of identity theft, upon receipt of appropriate proof.

Additionally, I invoke my rights under the following FCRA provisions : 1. FCRA Section 605 ( a ) - It is the responsibility of credit reporting agencies to ensure maximum accuracy of the information they report. The inclusion of late payments caused by identity theft and data breaches violates this section.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) - Under this section, I demand an immediate investigation into this matter and the removal or correction of the inaccurate information within 30 days.

3. FCRA Section 623 ( a ) ( 5 ) - This requires furnishers of information to investigate disputed data thoroughly. If the creditor can not provide concrete evidence that the late payments are legitimate and not the result of identity theft, they are obligated to cease reporting this information.
Product: Credit reporting or other personal consumer reports

The creditor for these accounts has reported payment history of Charge off for the last several months this is invalid as they are only allowed to report the charge off one time since they only charged off the account once. In addition, the balance reported is also inaccurate the amount of debt was written off by the creditor as a profit loss and per the IRS website that debt is considered forgiven/cancelled as it becomes taxable income for the consumer. The balance can no longer be reported on the report as a debt owed since a write off loss from the creditor can not coexist with debt owed to the creditor. Under law 15 USC 1681 ( e ) B of the FCRA all reported information must be accurate. 

For accounts : Capital one- {$1000.00} Capital one- {$180.00} Capital one- {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2000.00} XXXX- {$1000.00}
Product: Credit reporting or other personal consumer reports

I am formally reporting a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which mandates that credit reporting agencies take reasonable steps to ensure the accuracy and integrity of the information they report.

The inaccuracies in my credit report include incorrect account information, outdated information, etc. I have provided documentation supporting my claims to the credit bureaus, yet they have failed to rectify the errors or provide sufficient explanation for their actions.
Product: Mortgage

I fell behind on my payments due to a job loss. I notified Wells Fargo when I got a delinquency notice and the next month, XXXX 2015, they put my in foreclosure and returned 2.5 months of payments and stated I was now 5 months behind. I immediately called and Wells Fargo assigned a rep. he had me file a loan modification application which was denied in 2 days. Even though I now make more than I did when I applied for the loan. We were then offered and took the option to repay the loan if I could give them 3 months immediately. Which I did as soon as the bank opened the next day. I was told that I needed to make sure that I did not become 3 months delinquent. I made another full pmnt in XXXX. I went to pay XXXX payment and they put me back into foreclosure and returned XXXX pmnts I had made. Now they have me 7 months behind. I told them I now have XXXX payments that I can give them and they refused it. They admitted the error was on their part but are refusing to honor their agreement made in XXXX. Now they are charging me attorney fees as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I do not want a fraud alert on my credit, it hurts the consumer and obviously doesn't protect the consumer. The attached table represents someone with a mid eastern voice calling several and multiple dealerships within XXXX, SC and throughout, submitting an over the phone application in my name, and the dealership or entity didn't verify the person on the other end of the phone was indeed the consumer that this information belonged to, and submitted it for credit approval at multiple places for some stated vehicles. This verification was done by calling the selected and reported businesses, and having been informed that the person wasn't me, based upon accent. The attached information, and table represent that these inquiries weren't performed with permission or authorization by me.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/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
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional XXXX points from the original XXXX that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Deletion of Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I am writing to formally request the deletion of information from my credit report in accordance with the Fair Credit Reporting Act, FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question relates to fraudulent activity and/or identity theft, which has adversely affected my credit report. 

Please find the details of my request below : FTC Report Number : XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : 1. A copy of my credit report I received from your company. The fraudulent items are in screenshots from each credit reporting agency as shown in each screenshot. 2. A copy of my Identity Theft Report and proof of my identity. 3. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that specific information.

I appreciate your prompt attention to this matter, and await your reply. I hereby request that the Consumer Financial Protection Bureau take immediate action to delete the aforementioned fraudulent information from my credit report within 4 business days, as well as in accordance with the provisions of the FCRA. The presence of this fraudulent information is causing significant harm to my financial standing and overall creditworthiness. 

Please confirm receipt of this request and provide me with an update on the actions taken to resolve this matter. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to these fraudulent investment companies.
Product: Credit reporting or other personal consumer reports

I find this really worrisome, upon checking of my credit report today, I noticed that there are inquiries in it that I do not recognize which was very alarming because I am fully aware that I did not apply with these companies and nor given them consent/authorization to access my report and information. These fraudulent and unauthorized inquiries are making me anxious and stressed out, It's a blatant violation of my rights as a consumer.
Product: Debt collection

Debt Collector reporting false information on Credit Report. First Date of Delinquency as XXXX, First dated of delinquency was XXXX, will not put account into closed status causing monthly continual reporting on credit report, also reporting as XXXX XXXX XXXX, false representation. On XXXX report reporting terms which is against regulation for collection agency. Attempts by myself to obtain verification of all information have gone unresponded to. Dispustes thru Credit Reporting Agencies have verified false infomation. contacted XXXX original creditor they will not tell me anything saying pra owns debt now, and that they can not verify debt. i dont know how credit agencies are verifying this then, my only thought is pra is verifying for XXXX. Transunion deleted both lines off my report stating information was not valid.
Product: Debt collection

The Original account was with XXXX XXXX and I was paying until I lost my job XXXX XXXX XXXX XXXX. My account came in arrears and some months or years later I was reached out through XXXX XXXX internal collection department and myself and the woman made an arrangement to pay XXXX a month. The balance then was {$600.00} with late fews and no payments made. I did that and did my full term of months to pay it off for them to waive the other {$300.00} or so and close my account as paid in Full. That didn't happen, once I paid my portion off they kept {$100.00} stating I need to pay it off. I didn't pay because I did my portion as agreed The account was opened XXXX, it's over 6 years and Midland Credit bought it and trying to collect the Erroneous amount that was sold to them. I'm unsure if they are even Licensed to collect in my state, they haven't Validated the debt of when it was opened and last pay amount made at all. Now my account has been flagged, I never spoke with them to provide ownership of the account at all and definitely didn't give them permission to my account for collection. It's a violation of this practice and I want them to Validate the amount with dates and proof of collection inky state.
Product: Credit reporting or other personal consumer reports

I submitted a dispute in XXXX of 2023 and since then My access to my online report has been taken away. Transunion will not let me access my free credit report online. This has happened numerous times after I submitted a dispute. This time I have not been able to access my online credit report for over two months. I call customer service and nobody knows anything telling me to submit a dispute by mail. I should not have to do that when I have the right to do it online. 

I also found over XXXX inquiries on my credit report most of them 3-4 duplicates from the same companies, this is only on my Transunion credit report. I tried to dispute them as I did not make them Transunion locked me out of my account after the dispute and I could not access it for weeks. This is a problem with Transunion and Transunion only.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Complaint Against Capital One for Unfair Practices, Threats of Charge-Off, and Lack of Support To Whom It May Concern, I am filing this complaint against Capital One regarding the handling of my credit card account. I have had this account for a long time, and over the past few months, I have experienced significant challenges due to fees, payment plans that haven't been helpful, and constant threats of my account being charged off. 

I am a single mother with limited financial resources, and while I understand that I am responsible for my payments, I feel that Capital One has not been understanding of my situation or willing to provide reasonable assistance.

Despite being on two different payment plans, neither has helped address my overdue balance or reduce my late fees. I have made several requests to change my payment due date to align with my financial situation, but these requests have been ignored. 

In XX/XX/year>, I made a payment under the agreed-upon payment plan, which I believed would put me in good standing. However, I continue to receive threatening emails and during phone calls stating that my account will be charged off. On the phone, the representatives focus only on collecting money, and I often felt pressured into accepting payment plans that I am unable to manage. At times, it seemed as if I had no choice but to accept a plan, as I was being pushed into a corner with no other options provided. Recently I redeemed a reward for the amount of {$89.00}. I was under the impression I could and would get cash for it to feed my family. Instead it went to my balance and they were not able to help with that. 

The constant communication threatening a charge-off, combined with the lack of meaningful assistance from Capital One, has caused me significant distress. I feel that the bank is not working with me to resolve my situation but instead is focused solely on collecting payments without offering any real help.

I am requesting the following : 1. A review of my account, including the payment plans and fees that have been charged, to determine if fair and reasonable practices have been followed.

2. A reconsideration of the payment plan options available, with more flexibility to accommodate my financial difficulties.

3. A response to my previous request to change my payment due date.

4. A stop to the continuous threatening communications about my account being charged off.

I would appreciate any assistance from the CFPB in resolving this issue and ensuring that Capital One takes more fair and reasonable steps to assist customers like myself. 

Thank you for your attention to this matter. I look forward to your help in resolving this issue.
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX from American Express telling me the company had reduced my credit limit from {$1400.00} to {$800.00}. I had just paid down the balance on the card by {$1000.00} on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) with a plan to pay the balance down to {$0.00} in XXXX. I had unexpected medical expenses and home repairs at the end of XXXX that drove my balance up. However, I never missed a payment and never went over my credit limit. 

I contacted Amex customer service and they said the decision was triggered by their system and my account was under review by a team. I requested the credit limit not be reduced because they are hurting my credit standing overall by making this decision immediately after I paid down the balance. The customer service agent assured me that Amex cares which is the furthest thing from the truth.

I believe the way that Amex is managing their accounts is predatory in nature. I would like to see their practices of reducing credit lines audited. It appears they are trying to hurt customers who have done nothing but use their credit line and paid it down in a timely fashion.
Product: Debt collection

this is a XXXX XXXX card account, XXXX XXXX  is handling it for lvmv funding their tactics are aggressive, they email, and threaten that it is a strong possibility that a attorney will be involved if you do not respond to them asap. I have uploaded proof of their constant emails, I never gave them my email, as you can see the abundance of emails they send, with the threat of a strong possibility of a a attorney in the future
Product: Credit card or prepaid card

Today ( Sat. XX/XX/2022 ) I received 2 Commerce Bank Visa Cards which I did not apply for. One of the cards has my name on it ; the other ( same account number ) is a person I do not know.

I called 3 different Commerce Bank numbers listed in an attempt to block use of the account. All three numbers resulted in long hold times without being answered. I understand that this occurred on a weekend, but there should be someone available to block this account. There should be a fraud department to help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX 
XX/XX/XXXX ( Bank ) XXXXXXXX XXXX XXXX 
XX/XX/XXXX ( Bank ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XXXX XXXX XXXXXX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX