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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
XXXX Account name : # XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : # XXXX has violated my rights. 

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

-Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have an Home Equity line of credit with Fifth Third Bank ( FTB ) .Account number XXXX XXXX I paid {$6300.00} at branch in XXXX.At time of payment teller confirmed that I paid total amount due including interest. On XXXX XXXX FTB withdrew {$580.00} from my checking account after loan had been paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX XXXX XXXX XXXX deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting act, the accounts listed below have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction. Please delete the accounts listed below. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX  XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax XXXX 

I have written to all of them severally and also made uncounted amount of phones calls to the above companies, but they have delayed the removal of several derogatory information on my credit report till date. 
My personal details was compromised and used for fraudulent purpose, and i reported the fraud alert when I returned from XXXX XXXX for my country 7-8years ago. 
The FCRA Law, stated clearly what is expected of the credit agencies after 2 years, and still they have not deleted and remove all the fraudulent addresses/credit card/loans/student finance details reported on my profile.

Its over 6years now, and they still left the negative information on my credit file and it has affected my life and my family. I have just recently reported a fraud alert again.Please HELP
Product: Credit reporting

There is a judgment on my Experian credit report that belongs to my father, and I have no association with the debt whatsoever. We have called the General Sessions office, and they do not have any information of mine associated with the judgment. However, when I disputed the judgment, Experian did not remove it and verified it as mine. The judgment is not showing up on any other credit reports because it does not belong to me, and I just want Experian to remove the incorrect information from my report.
Product: Checking or savings account

I deposited a check from a lawsuit with the XXXX XXXX XXXX XXXX XXXX. The victims won. The banking company who was selected to disperse payment tried to deposit my payment 2 times through XXXX to my Chase checking account. Chase declined the XXXX payment 2 times. So the company mailed me a check. I tried to deposit it via mobile deposit through chase app. The rejected it for unknown reasons. They told me to take it to a branch. I did. I deposited at my local branch. They said it was accepted and good. The next day it was rejected. I called chase customer service 5 times and was transferred 11 times and cut off 4 times. They gave me the run around. The last customer service manager wouldnt tell me why my check couldnt be accepted. She said the image was not up to par. Even though my local branch accepted the hard copy of the check. She then got smart with me and was rude and was short with me. Then I got cut off. Chase wont help me. They wont accept this deposit from a XXXX dollar lawsuit with the XXXX. Everytime I try to resolve this it brings up past trauma and Chase seems to find it funny eveytime I have to deal with this deposit and past trauma. Im thinking of contacting an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. These accounts damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX. XXXX, XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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.

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

This Collection Agency continues to report an account on my credit report even though it have not establish that I owe this debt.It have continued to ignore my compliance letters, For the record I have never had an account or a contract with this Agency, Therefore Im requesting that they remove any negative accounts they have in their offices from all of my credit reports,
Product: Vehicle loan or lease

I got a letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 with No return address and No fax number alleging I owed over {$15.00}, XXXX on a repossessed vehicle. The letter stated I had 30 days to dispute the validity of the information. 

On XX/XX/2021. I sent a letter by email and also by USPS, disputing the validity of the information and asking that proof of the debt be mailed to me within 30 days of my letter. I also informed them that according to the FDCPA, they - XXXX XXXX XXXX XXXX XXXX, can not continue any collection practices until this debt has been verified. 

On XX/XX/2021 I got a phone call from this number, XXXX. Turns out it was XXXX XXXX XXXX XXXX XXXX calling. The man on the line asked me how I wanted to pay on the {$15000.00} for the repossessed car. 

I told him I did not have any money and hung up the phone.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Debt collection

On XX/XX/21 this letter found me from receivable performance management stating I owe them money yet we have no contract together and I never gave them permission title 15 to contact me.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address. 


I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.
Product: Credit card or prepaid card

I filed my initial complaint with bank of America mailed in multiple times my proof of transactions which they stated " they didn't receive '' which I have proof of tracking number and signature. My point of contact was XXXX XXXX whom was nice but very inconsistent when it came to responding. I faxed mailed and emailed the transactions as well as the payment ids dates and amounts from XXXX website and they have had over 3 months now to pay me the money owed to which is over XXXX which fraudulent fraudulently stolen from an account they said " has since been lost and closed for some reason and they lost access to the accounts records '' which is complete and under XXXX XXXX if you ask me how can a financial institution do that without my consent or a request by me? They did it so they wouldn't have to pay me what was stolen from me. I am now filing a follow up complaint for them taking wayyyyy to long as far as I'm concerned with handling this matter. They are obviously lying about not being able to find the old accounts records especially when I gave them exact dates for each payment and the payment ids provided by XXXX. They are not concerned with paying me back which I plan to file a lawsuit if not handled within the next 30 days against their institution including damages for the added stress and financial stress this has caused me including possibly having to cancel me relocating my place of living soon because of this issue not being resolved as it should have been months ago. They are not following their own rules and regulations for handling of this matter.
Product: Debt collection

I was the victim of identity theft, and as a result, I promptly reported the fraudulent account to all relevant authorities and took immediate steps to rectify the situation. I have successfully communicated with XXXX and XXXX to dispute and have the fraudulent account removed from their reports, following the required procedures. 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
I am perplexed as to why Equifax has not complied with the law and continues to report this fraudulent account despite the deletion by other bureaus. 
It is clear from their actions that they have determined the fraudulent nature of the account and have taken the appropriate steps to delete it from my credit report. I urge Equifax to follow suit and promptly remove the fraudulent account from my credit report. I believe that the continued reporting of this account is a violation of my rights under the Fair Credit Reporting Act, and I expect Equifax to rectify this situation promptly.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Debt collection

I sent a letter to Capitol one in XX/XX/2019 along with a phone call reporting that I will no longer be responsible for this account and they advised they would remove me. Now they never did and I am not responsible
Product: Credit card or prepaid card

This account does not belong to me. I do not remember applying for this card. If this account is accurate why is it only reporting in XXXX? 

The year this account opens is very suspicious to me. I would like to know from the application to transactions made in this account. I need to know how my identity is compromised for someone to open to the account without my knowledge. 

This account was just brought to my attention because of the high balance reported that prevented me from qualifying for a mortgage. I have written to the FTC and disputed this account with XXXX  before and came out to be fully verified. 

This account is preventing me from buying a house and it would make a huge difference if you are able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is inaccurate and therefore needs to be removed from my credit report.
Product: Debt collection

In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  XXXX  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance  of {$0.00} and is closed out. 3 months later, I receive mail from Midland Credit Management  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore de bt. Midland Credit Management s tated they bought the debt from  XXXX . After dozens of phone calls, neither company can help me.  XXXX  has hung up on me many times when asking how to handle th is. Midland Credit Management  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.
Product: Debt collection

Apple Card/GS bank USA , account number XXXX. I asked this company to cease and desist all company and Im doing so one last time now. This company is made aware of FCRA law 15 United States Code 1692 ( C-A ) and still decided to knowingly violate this consumer law, this company claim they have the recieved my written request to cease and desist all communications with me well Im also making them aware of that request here, through the CFPB. GS bank again Please cease and desist all communications with me ( XXXX XXXX XXXX ) as I refuse to pay this debt. My request should be respected under 15 US code 1692 ( C-A ) and I have a right to privacy under 15 US code 1681 ( 4 ). Under section 6804 of this title ( FCRA ) I have the right to opt out of any such debt. This will be my last attempt to get this fraudulent account deleted from my credit report. This will be discussed with my consumer law lawyer and your company will be subpoenaed to civil court if you still choose to violate FCRA consumer laws
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, please be sure that they address my complaint, and please don't close the case simply because they claim they resolved the issue- they didn't. 

My complaint is that Transunion is getting revenge for a previous complaint I filed by eliminating my name and SS # from their database. 

They have repeatedly lied to prevent me from logging in to my Transunion account. They claim that there is a problem with the library computer I am using, or with the browser- but there is no problem with it, as I have used the same computer and the same browser they recommend to log in to other accounts. And Transunion recognized my name & SS # just recently, as they send me an email to change my password- which didn't work, as per previous complaint, but it DID recognize my name & SS #. Just recently, since filing a CFPB complaint, Transunion has removed my name & SS # from their system. Is this revenge for filing the CFPB complaint? 

I don't just want my credit report, I also want to be able to access my information online regularly without going through this hassle, possibly to put a lock on the account or for whatever other reason. Just sending me my credit report is NOT sufficient. I want to be able to log in to my account- like I used to be able to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Credit Acceptance account XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card

On XX/XX/XXXX I applied to and was accepted to receive the XXXX world XXXX with Commerce bank. I received the card around XX/XX/XXXX and began using the card to make purchases. In the cardholder agreement it stated XXXX point per dollar of regular purchases. XXXX points per dollar for gasoline, XXXX 's, and auto purchases ( aviation, and automobile ). XXXX points per dollar for XXXX preferred partners, ( including XXXXXXXX XXXX XXXX XXXX ), and XXXX points per dollar on XXXX products such as renewals for membership and for conference sign ups. As of yet I have only received points at the base XXXX point per dollar regardless of category. On XX/XX/XXXX ( posted on the XXXX ) a purchase was made at XXXX XXXX XXXXXXXX XXXX for XXXX dollars. again on XX/XX/XXXX another purchase was made for XXXX. I received only the base XXXX point per dollar spent. As such I called into the rewards program help line and was informed that those promotions had expired even though they were still being advertised and was instructed to call commerce banks credit card services line. This call was made on XX/XX/XXXX. In the rewards agreement, it states that points are updated within XXXX business day of purchase posting date. I was informed that I would be called back by XX/XX/XXXX, I never was. On the XXXX I called in again to request an update, and was informed that it XXXX be because my first statement needed to be made first, ( that day ) but that I was on a list that would have my points added after the statement generated. I was also informed that I would be called back within a day or XXXX for an update. I was not contacted again. I called back again on XX/XX/XXXX after the statement had been generated and as of current time, no points updates have been made. I was informed that despite the promise to escalate, no decision or resolution had been made or discussed and no new information could be given but that I could expect a call back by Friday, but then was changed to XXXX  as the agent taking my call would be taking Friday off, so to expect a call by XXXX  the XXXX. I was also informed that I would not be able to receive copies of the call logs for the calls made to customer service, nor the document trail on their end of this service request which by the XXXX will date back nearly a month to XX/XX/XXXX for the first noticed item that had not been awarded the proper points total. To date I have received no points above the flat rate of XXXX point per dollar for any purchases with regardless of category specified by the card holder and rewards agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry. I did not communicate with this lender on the specified date.