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 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX Account name : XXXX Account name : XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my writteninstructions.

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 and crimes which antedates the report by 7 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: Debt collection

Ive identified fraudulent accounts on my credit report and ask for their prompt removal.
Product: Debt collection

I have a debt showing on my credit report for a company i have never heard of NCB Management Services. On my credit profile it shows they are trying to collect a debt that they say i owe or owed to XXXX  XXXX XXXX. XXXX was found by a Coalition of 34 State Attorney Generals to have violated consumer protection laws in auto loans with a high probability of default. i have never heard of this company ( NCB ) and they are trying to collect a debt from me from a fraudulous other company XXXX XXXX XXXX. This is fraud and i would like this removed from my credit report immediately. XX/XX/XXXX a settlement was announced as a result of this investigation into XXXX  where XXXX exposed borrowers to unnecessarily high levels of risk. NCB is trying to collect a debt from me and i would like them to be removed from my credit report immediately. also my state attorney is apart of the investigation into XXXX. all of this is fraud and preventing me from purchasing a home for my family. terrible just terrible
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the inquiries listed below be blocked and deleted from my credit report. I am a victim of a data breach, and these inquiries were made without my consent or authorization. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied to an apartment complex and they used a company called On-site run my credit report. To my surprise i was denied due to incorrect information on my file. After further investigation with XXXX, they stated that my report was never ran and that On-site has mixed my file up with another persons file. On-site Claims the information is from XXXX, XXXX States that none of the information provided to me by Onsite is on my credit report. On-site refuses to remove that item or investigate that item and that they tell me that i have to go to the court house to get some document about another person who is not me to have state that on the court letter head or docs. That's impossible for me to get something that doesn't belong to me. I have been fighting with their so called supervisor and he tells me their nothing he can do and that item will remain on my file. I told him that the burden of proof doesn't fall on me and as a credit reporting agency they have to validate the debt by verifying my social security number, date of birth and drivers license number. None of which is on that judgement they claim to have on me. Another thing is the rep kept asking me if my social ended in XXXX and i told them a hundred times, that is not mine. They have corrupted my file and are mixing my report up with another individual.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

On XX/XX/XXXX, I made a credit card payment of {$3000.00} to Citi Bank. The funds came from XXXX XXXX XXXX XXXX account. XXXX told me that funds were taken out to pay Citi bank. 

Citi bank made multiple attempts to take {$3000.00} from bank. Which caused my bank to send Citi a statement of insufficient funds. Citi tried to at minimum of XXXX payments of {$3000.00} which is about {$12000.00} from bank. 

Citi proceeds to say they never got my payment even though I provided my bank 's XXXX ID for the transaction. Citi continue to search but closed the dispute I had with them regarding this issue. I was given false information 3 times about this case. 

I went ahead ask XXXX to reverse the charge because Citi was taking long to response and providing false information. XXXX reversed my funds of {$3000.00} on XX/XX/XXXX. On this same day, I told Citi to close my dispute regarding the lost payment since XXXX has reversed the transaction. 

Later that day of XX/XX/XXXX, I made a payment of {$3000.00} but on XX/XX/XXXX I was told the payment was declined. I called on XX/XX/XXXX to dispute as my bank has processed my transaction already. This day I found out that Citi has charged me an extra {$3000.00} to my account. So instead of oweing Citi about {$5000.00}, I owe them now about {$8000.00} because they charged my account {$3000.00} a second time because their system is having issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. I disputed this information with Experian on XX/XX/XXXX, the Credit Bureau says the information is accurate has not updated this information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report. I have attached two documents with the new laws.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report ( Experian, XXXX, and XXXX  ) are reporting collections information from a company called XXXX. The additional information being supplied by XXXX contains information about where and when I received healthcare. There is not an original HIPPA release form on file. Because the name of the place where I received service is also reported, it reveals very personal information and in this case is a HIPPA violation.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I signed up for a Jet Blue master card issued by Barclay 's bank. There is a promotional offer with states that after I spend {$1000.00} and pay my annual fee in full I will receive XXXX true blue travel points. 

I have already spent over {$1000.00} ( {$1400.00} ) and the payment on my first statement will be paid on XX/XX/XXXX. However, the annual fee of {$99.00} was not on my first statement, so I can not meet the terms of the promotional offer.

When I contacted Barclay 's bank, they indicated that it would take 1 - 2 billing statements before the annual fee would appear on my statement. 

I informed them that by delaying billing of my annual fee they were delaying my accrual of XXXX points and delaying my ability to book a flight using those points. 

They would not not do anything to resolve the situation and did not offer any explanation as to why this was being done. 

I want to be billed for my annual fee immediately so that I can meet the terms of my promotional offer. 

Please advise. 

Thank you.
Product: Checking or savings account

Wells fargo checking and savings bank acckunt with XXXX access periodically denied, account closed without notice. Card freeze. Unexpected charges and fees added to statement.
Product: Credit card

On XX/XX/2017, I went online to obtain my credit score. My credit card company, BarclayCard, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my FICO score, I should call XXXX, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from XXXX. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XX/XX/XXXX I called XXXX at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that BarclayCard was using a different scoring model than XXXX does ( they mentioned XXXX ). They were denying that they even supplied the score that BarclayCard was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between XXXX and BarclayCard, and they refused. They told me to go back to BarclayCard for any explanation of the score. So I called BarclayCard at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the BarclayCard site , BarclayCard or XXXX. The BarclayCard Customer Service Rep. claimed they simply posted the information provided to them by XXXX, that BarclayCard DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact XXXX for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just one or two months without any negative data to support it.
Product: Debt collection

On our around XX/XX/2024, I didnt want to renew my membership with XXXXXXXX XXXX. They wanted first and last month payment for the new policy. I decided to go with another auto insurance and the sales rep ended up charging me anyways for a renewal with out my consent. Months later with out me knowing, I see that the payment is now was sent to a collection agency. I want this false record removed from my credit report.
Product: Credit reporting or other personal consumer reports

Well Fargo has continued to report an account that does not belong to me. I have filed countless disputes through the CFPB for wells fargos lack of communication and failed progress to remove this fraudulent account from my credit reports. This account reflect that I am an authorized signer for a car loan that I never sighed for.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX  XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I made a {$5000.00} payment to Citi to my XXXX Card ending. Two days later I received an email for my XXXX  and XXXX XXXX card stating my limits have been reduced ( see attached ). The XXXX card was reduced from {$6000.00} to {$790.00} and XXXX XXXX was reduced from {$5600.00} to {$5100.00}. The reasoning for this was " substantial debt to other creditors ''. Along with the {$5000.00} that was paid to Citi, I also paid {$1500.00} to XXXX Credit Card, {$1500.00} to XXXX XXXX and {$1300.00} to XXXX  XXXX XXXX Credit Card. Also, I had paid off a personal unsecured loan of {$3400.00} and a car loan of {$17000.00}. I recently applied for a home loan which I was pre-approved for. I explained this to Citi in my request for reconsideration and explained the potential costs I could incur from points on my mortgage because of their reduction of my limits. They reviewed and declined my reconsideration request. Also, as you can see in the statement their decision to reduce my XXXX  Card put me over-limit which is extremely damaging to my possibility of getting a home loan as the underwriters will view this as a negative.I have had and continue to have an exceptional payment history with Citi and all of my other creditors.
Product: Checking or savings account

i had fund on my paypal checking account and after the company closed my account for a 180days review they sent me and email in XXXX that everything was clear and my funds are eligible for withdrawal. i have not still been able to withdrawal my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recieved a 1099-c, for cancellation of debt for the tax year XXXX, and filed it along with my income that yeat, Yet the account is still showing on my credit report, The debt is cancelled and therefor no longer exist and should not remain on my credit report
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX EMPLOYERS NOT RECOGNIZED XXXX
Product: Debt collection

Midland funding Inc as re-aged my debit and still fells to state when my debit will be delete off my credit report so please provided me, my lawyers and the Consumer Financial Protection Bureau the date in which the debit will be deleted from my credit report file. Account number XXXX
Product: Credit card or prepaid card

Cash app has no issue with the purchasing bitcoin at all but when it comes to sending or receiving bitcoin and Im unable to do so due to not being able to verify identity. I have sent all necessary documents as well as proof of identity and it has been over seven days they have allowed me to send money as well as buy bitcoin but cant do anything else. This is a violation of my right to supply information. I did what I was told by agent and Im still unable to use my bitcoin account as to digital currency will be only way of funds soon I need a quicker resolution than we keep emailing and sending messaging to support
Product: Debt collection

A written debt validation request was sent to Innovative Recovery Inc and it was received on XX/XX/2020. They have not provided a response back via mail.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

I sold my home to my friend using the VA transfer process. We started the process in XXXX XXXX  and the mortgage company was PennyMac. PennyMac dragged their feet on the process, even acknowledging they didn't even start looking at the transfer until nearly 45 days after receiving the request. Due to PennyMac 's delays, lack of communication and the inability to even get ahold of them, the sell of my home to my friend took nearly 5 months. My friend and I are both active duty in the military and this occurred during both of us conducting a military move. PennyMac 's delay cost me thousands of additional dollars in hotel and food expenses as I couldn't close on my new home until the transfer was complete.
Product: Debt collection

I have requested information about the debt to XXXX and have not received anything pertaining to this collection. I don't owe them and want it removed!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below, which were created in my name without authorization due to a data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the prompt removal of these entries from my credit report.

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX