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 XXXXXXXX, Account # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX, Account # XXXX, Account name : XXXX # XXXX, Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : DEPTEDXXXX # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX. Account # XXXX. Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX. Account XXXX : XXXX XXXX XXXX, Account Number : XXXX. Account name : XXXX, Account Number : 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 reporting, credit repair services, or other personal consumer reports

XXXX continuously calls pretending to be a Credit Agency and sometimes a Debt collector. They act very strangely on the phone and ask for employees at our company often revealing their personal info!
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : 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

XXXX, XXXX, Equifax is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX and EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX, XXXX, or EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX. XXXX Report XXXX XXXX. EQUIFAX Report Confirmation 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX will be filing form XXXX treasury XXXX forms to audit consumer 's account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Student loan

Was encouraged by loan servicer, Nelnet, to enter into a spousal consolidation loan in XXXX. In XXXX the PSLF program was created, and while I have worked for a qualifying employer for the past 17 years, my loans are not eligible for PSLF because my ex-spouse does not qualify and there is no mechanism to de-consolidate our joint loans into direct loans that would allow me to qualify for the program. I have spent years getting inaccurate and inconsistent information about my eligibility and how to access the program. I have now paid significantly more than my original loan balance and can not get any of what should be qualifying payments applied to PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have the following account reporting XXXX XXXX  Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this account.
Product: Money transfer, virtual currency, or money service

Our company signed a contract with the XXXX manufacturer XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, for the supply of fungicides for long-term grape storage. Payments totaling {$46000.00} were made through XXXX " XXXX '' in XX/XX/year>, but only {$15000.00} was successfully processed. The remaining {$31000.00} was frozen by The Bank of New York Mellon, which requested additional information for sanctions screening on XX/XX/year>. Despite providing all requested documents, the funds remain blocked, and no further action has been taken by the bank.
Product: Credit card or prepaid card

This involved a XXXXXXXX XXXX  XXXX credit card ( XXXX XXXX XXXX ). On XX/XX/XXXX, I  paid the amount due ( {$34.00} ) online. I received a confirmation email from the XXXX XXXX XXXX. I used my bank account number ... sometimes the bank ( XXXX ) requires a " 0 '' in front of it, other times not. When there's an issue with the " 0 '', I am immediately notified and have NEVER been penalized for it until now. Apparently in this case the bank required the " 0 '' because unbeknownst to me they sent the payment back, and not only did the XXXXXXXX XXXX XXXXXXXX add a late fee but also a return fee of some {$27.00}. I had no idea this was the case until I got an email a few weeks later saying my account was overdue. I was shocked, called them, paid the {$34.00} and they said all of the other charges would be removed. I received a second payment confirmation email from them on XX/XX/XXXX. 

Then, on XX/XX/XXXX I received yet another message that I still owed them money! Something like {$58.00} or so. I called them yet again, wasted another 45 minutes on the phone with an obnoxious customer service rep and finally a couple of supervisors, who said they'd drop the late charges, but were out the {$27.00} because it was a fee that they'd had to pay the bank for the rejected account. I called the XXXX -- they knew nothing of it and there was no such record of any charge ... they do not charge if someone puts through a payment and it is rejected. So XXXXXXXX XXXX  XXXX is lying and my account is still past due and they will keep adding to it because I refuse to pay the bogus {$27.00} ( Now {$28.00} plus change because they charge interest ). 

I don't have any recourse I suppose, nor do I have any rights regarding this. Of course I complained to them and kept trying to resolve the issue but they are unreasonable. If I owed them money for goods and services or was late in payment I would understand. But this is utterly and totally ridiculous!
Product: Mortgage

BANK OF AMERICA AND XXXX FABRICATIONS REGARDING INCOMPLETE XXXX MODIFICATION PACKAGES. 
Bank of America XXXX XXXX XXXX XXXX XXXX During the past year, I suffered illness, a XXXX, and XXXX due to XXXX, therefore, I was unable to respond to Bank of America and XXXX XXXX XXXX. Therefore, I am filing this new complaint with exhibits. Due to my XXXX, I will be filing new complaints, individually, with exhibits for Bank of America 's Attorneys, XXXX Letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
I put in numerous XXXX Modification packages ; however, the only decline letters we ever received was from Bank of America via XXXX. Whistle Blowers, from Bank of America came forth and testified what Bank of America was doing with XXXX Modification packages. XXXX only excepted full XXXX Modification Package request. I could supply you with numerous XXXX Modification denials Bank of America sent via XXXX. Moreover, XXXX became so frustrated with Bank of America denying us that XXXX filed a complaint with the Consumer Financial Protection Bureau on our behalf. ( See Exhibit XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating XXXX submitted complaint to CFPB ). 
At a XXXX Modification Event in XXXX, I gave a copy of the exhibits in this complaint to XXXX XXXX of the U.S. Department of Treasury. I also gave XXXX XXXX, a full XXXX Modification package in which she verified with Bank of America Employees that it was complete. XXXX of the questions I asked XXXX XXXX was XXXX XXXX going to help the American people or was he blowing smoke. XXXX XXXX and I talked, she gave me her card and told me to contact her and later sent me a letter. At a Hamp Modification Event in XXXX ( See XXXX XXXX, Dept of Treasury Card, Exhibit G ) On XXXX XXXX, XXXX, Although I had submitted a complete package for making home affordable through XXXX. XXXX indicated your servicer has denied your proposal. ( See Exhibit K, Email from XXXX ) On XXXX XXXX, XXXX, Although I had submitted a complete package for making home affordable through XXXX. XXXX indicated your servicer has denied your proposal. ( See Exhibit L, email from XXXX ) In order to understand our ire and concern regarding the fabrications and lies regarding the situation from Bank of America. We have provided exhibits XXXX and XXXX from Bank of America Attorneys response along with our exhibits proving these responses are fabrications regarding " reviews were declined because borrowers did not submit all the documents '' from Bank of America trying to not admit their wrong doing but the Bank of America Whistle Blowers did testify to what they were doing with documents. ( See Exhibits XXXX and Exhibits XXXX, Bank of America Attorneys XXXX and XXXX ) On XXXX XXXX, XXXX, Bank of America'sXXXX Attorneys XXXX and XXXX stated " The loan was reviewed for assistance on other occasions XXXX and XXXX ; however, the reviews were declined because the borrower did not submit all the documents necessary to complete the review or the borrower withdrew the request for assistance. Please see the decline letters dated, XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX for more information. ''
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I identified multiple discrepancies with the following account : Creditor Name : XXXX Account Number : XXXX Issues Identified 1. Inconsistent Balance and Payment Status The report shows a balance of {$0.00}, but the payment status is listed as Collection/Chargeoff, which is contradictory. If the debt is fully paid or transferred, the status should no longer reflect a charge-off.

2. Inaccurate High Credit vs. Credit Limit The High Credit is reported as {$3900.00}, which exceeds the Credit Limit of {$3500.00}. This discrepancy suggests either incorrect reporting or an over-limit scenario that should be clarified. 
XXXX. Conflicting Dates Date Last Active is listed as XX/XX/year>, while the Date of Last Payment is XX/XX/year>. These dates should align since a payment would typically update the Last Active date. 
The Date Opened is listed as XX/XX/year>, which raises questions if the account was already charged off shortly after being opened. 
XXXX. Improper Comments The comments state, Transferred to another lender, yet the account still shows as Collection/Chargeoff. If the debt was transferred, the original lender should no longer report the account, and the new lender should assume reporting responsibility.

5. Two-Year Payment History The payment history is either missing or incomplete, violating the requirement for accurate and complete data reporting.

6. Unauthorized Debt Transfer If you did not authorize the transfer of debt to another lender, this raises concerns about proper debt handling and may warrant further investigation under federal and state laws.

Potential FCRA Violations The following sections of the FCRA may apply : 1. Section 623 ( Responsibilities of Furnishers ) : Creditors must ensure the information they report to credit bureaus is accurate and up-to-date.

2. Section 609 ( Right to Dispute Information ) : Consumers have the right to request validation and correction of inaccurate, incomplete, or unverifiable information.

3. Section 611 ( Procedures in Case of Dispute ) : If a dispute is raised, the creditor or bureau must investigate and resolve the issue within 30 days.

4. Section 605 ( Obsolete or Inaccurate Information ) : Incomplete or unverifiable data, such as missing payment history or conflicting dates, must be removed or corrected.

5. Unauthorized Transfer : Transferring debt to another lender without consumer consent may raise legal issues, depending on state and federal laws, particularly if the new creditor did not communicate this transfer.
Product: Credit card or prepaid card

I was alerted on XX/XX/22 by my XXXX that my credit was pulled on XXXX by Bank Of America. On XX/XX/22 I received text notification from Bank of America that I was approved and my cards were being mailed to me within 14 days. I have never opened an account with Bank of America. I called Fraud Dept of Bank of America and explained this and they were able to see a new acct for XXXX XXXX card was opened. They were able to close the account. There were no charges on the account as of yet. I am just reporting this as likely Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : Applied business service XXXX XXXX XXXX XXXX, nc XXXX
Product: Debt collection

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX  account the was closed for XXXX XXXX XXXXXXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED EQUIFA, XXXX AND XXXX SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE CREDIT ONE HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today what happened was Capital One had made an error on my credit score my credit was a XXXX now it's a XXXX I called Capital One they telling me that I owe {$6.00}XXXX XXXX XXXX'll tell them I don't owe that amount I owe nothing they tell me I do so I had to call my insurance company which is XXXX to help me dispute this matter so my insurance company had called Capital One until Capital One that it was an error with this issue so my insurance company had to correct the error that Capital One has made please help me to fix this matter and let me know thank you and have a great day
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Alliance Collections  a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Alliance collections sent me an itemized statement and account summary that was created by them. The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.
Product: Credit reporting or other personal consumer reports

Hard inquiries I did not authorize have been added to my report. Delete them under 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

I've had Discover card XXXX XXXX XXXX XXXXXXXX for many years and rarely used it. Last year in XXXX I opted out of receiving Discover 's solicitations. I was not informed by Discover that in doing so, they would cease sending me statements where I could see if I had a balance due and by when it was due to be paid. In XX/XX/year> I went to make a purchase and realized I only had my Discover card on hand, so I made a small purchase of {$28.00} ( or {$38.00} ). I had forgotten about the purchase since I rely on receiving statements for my credit card bills so I can review them for accuracy and pay them before the due dates. It was only until I received a notice from my bank, XXXX XXXX XXXX XXXXXXXX program alerting me to a missed payment, that I was informed of the charge being past due. When I reviewed by Discover card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called Discover, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that Discover remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Checking or savings account

I contacted my bank ( Chase Bank ) JP Morgan in regards to charges that were being made against my account. This was being done by a 3rd party billing company that was drafting my account to make payment on my student  loan. I paid off my student loan on XX/XX/XXXX in full as since then they have been drafting my account {XXXX} from XX/XX/XXXX till XX/XX/XXXX. I asked for full reversal and credit of these charges and after I was told they would reverse they are not saying they can not as it is over 60 days. I never authorized this charge and I was also not made aware that my Loan was paid off. The third party merchant continued to bill my account even after my loan was already paid off. I was full re-imbursement as I was being billed for something already paid off.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> @ XXXXXXXX XXXX I initiated a wire transfer from XXXX to XXXX XXXX XXXX, for {$4500.00} to their Wells Fargo account. The funds settled according to XXXX, yet neither XXXX nor Wells Fargo have been able to provide proof that the wire transfer was received. I have attempted to recall the wire transfer through XXXX multiple times, yet Wells Fargo have not responded to the attempts. I visited a Wells Fargo bank in person and spoke with a manager. However, because the Wells Fargo account belongs to XXXX XXXX, they were not able to look into this issue and suggested I escalate this issue with XXXX. XXXX XXXX does not appear to have a customer service line to connect to any live individual. I attempted to call the dealership where I got the car, however they were not able to provide any information either.
Product: Credit reporting or other personal consumer reports

I requested that companies remove unauthorized inquiries and they refused. 
Capital One XXXX, XX/XX/year>XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 2024