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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have paid off the amount agreed to on XX/XX/year>, of {$2100.00}. I am trying to close on my mortgage and I asked them for letter of payment ofter it cleared the bank. It cleared the bank a week ago they still have not e-mailed me the letter of payment in full XXXX balance. Instead they sent a letter stating that a payment was scheduled, not paid. I've called them and spoke to supervisor three times and they keep playing games instead of sending the letter. I have proof of payment and the conformation number and bank statement showing I paid in full as agreed. I need that conformation of payment received from them to close on my house, and to take that off my credit report as a change off, like they promised to do. The letter has to show payment paid on full, not payment scheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I had a hard inquiry show up on my Experian Credit report that I never authorized. I contacted Experian to have it removed and they are basically refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and it was incorrect and they were supposed to remove this from my credit report, I do n't understand why it 's still on there, how can we get this taken care of. 
Thank You,
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  : Account Number : XXXX Account Name : XXXX / XXXX  : Account Number : XXXX Account Name : XXXX/XXXX : 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} LVNV Funding LLC XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Already payment in 2010 and still on my credit and support to be off my credit after my credit after 10 years so please take it off
Product: Credit card or prepaid card

I am trying to reapply for a card but Care credit says my credit score is too low and Im not able to make payments or use my card anymore they closed my account due to returned payments 3 times in 12 months but they were in an hour period and I have never missed a payment I would like help reapplying for my card thank you
Product: Checking or savings account

HSBC ( https : //www.us.hsbc.com/ ) didn't give the right rate for their HSBC Direct 12-month CD I applied for a new HSBC Direct CD on XX/XX/2020 and their web ( https : //www.hsbcdirect.com/cds/ ) was showing the APY rate of 12-month CD is 1.9 % when I was applying for new account. However, their very bad process needs to review the application and finally the account was opened on XX/XX/2020 ( amazing processing speed ). After completing the application, I also called their customer service and their agent confirmed with me that their CD 's opening APY rate is based on the application date, but not the opening date! I think that this rule should be reasonable : because that I agree with opening the CD because of the rate I have seen on the official web ( this is because that no one knows the real rate in the future! ) However, when I saw their first month 's interests and I was surprised. Then, I contacted their live agent ( named " XXXX '' ) who told me that the CD was opened at a rate of 0.8 % ( this is based on the opening date, but not the application date ). Then, why should I open a CD at such a low rate? Because currently their Direct Savings ' rate is still 1.7 % ... The bank 's explanation is completely unreasonable and unacceptable!
Product: Debt collection

I had a credit card through Comenity Bank, which was charged off back on XX/XX/2015. It was a credit card for the store XXXX, which went out of business. My credit limit on this card was around {$300.00}. I have been dealing with XXXX XXXX XXXX, XXXX since then. I have tried to reason with them, stating that there is no way I owed {$1100.00}, as my credit limit was not that high. They have refused to discuss this with me. I just received a fraudulent credit card statement from XXXX XXXX with a statement showing I owe {$1100.00}. This statement was fraudulently created by XXXX XXXX. It shows on the statement ( attached ) that it's from XXXX, this is a complete lie and a fabricated document made by XXXX XXXX. I demand this account be removed from my credit report and XXXX XXXX investigated for their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request XX/XX/2018 to lexisnexis for removal of public records since they were past the time getting a response from the credit bureaus. LexisNexis responded with a disclosure report instead. This violates FCRA regulations ...
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified item remain on my credit report in violation of XXXX XXXX. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and XXXX has reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!
Product: Payday loan, title loan, personal loan, or advance loan

I had a life threatening medical emergency and made a late payment for the months of XX/XX/ and XX/XX/ on the account ending in XXXX  and for the month XX/XX/ on the account ending in XXXX. I paid off all balances owed and requested the accounts to be closed.
Product: Bank account or service

A Virginia based bank, Capital One 360 has run and continue to run a promotion offering a various bonuses for opening a Savings account. Today my husband and I called the bank to take advantage of its " CHALLANGE EVERYTHING YOU 'D EXPECT IN A SAVINGS ACCOUNT '' promotion. Imagine our astonishment and disappointment to find out that we do not qualify for the promotion because my husband and I had XXXX Savings accounts from a different financial institution some 14 years ago. The Capital One 360 phone representative seems to have an unfettered access to the financial data which we never consented to provide to the bank. From what I understood, financial information about consumers has been acquired through a chain of corporate merges, acquisitions or buyouts or other kind of commercial deals without consumers knowledge of consent. Our personal financial information and financial information of other consumers has been bought and sold on open market. I do n't believe it is acceptable in light of the latest security breaches in banking sector. There should be a consumer protection both on federal and state side, so banking public would know who has their information and how this information is shared or used as a commodity. We should not be detrimented because our personal information has been shared without our consent. When a consumer closes account with a financial institution and ceases relationship with that financial institution, that financial institution should be precluded from selling or otherwise trading for profit financial information about the customer with whom it has no longer has such financial relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I ADDED 2 PAYMENTS of {$20000.00}, {$25000.00} The payments was taken from my XXXX XXXX XXXX  account that I authorized I got a email saying my funds is on the way. I confirmed this with XXXX XXXX. THE NEXT DAY AROUND XXXX my affirm account has been frozen for no reason and they are saying that they think my affirm account is compromised I received a email saying to call them at XXXX I spoke with a gentlemen by the name of XXXX he gave me a case id # XXXX and transfer me to his supervisor named XXXX XXXX She said she will try to help me I need to wait 3-5 business days but I notified her that Im making a report with the CFPB XXXX XXXXXXXX XXXX and dont want to get taken advantage of for my funds by these companies they are freezing my money for no reason can you guys please look into this its really stressing me out
Product: Credit reporting

I have XXXX requested that my file be updated to reflex that the negative entry be removed. It was included in my Discharge Chapter XXXX, dated XXXX XXXX XXXX. 
Experian keeps saying that the report is valid.
Product: Debt collection

These people keep calling my mobile number and do not leave a message. They are using various XXXX area code numbers which is my area code. They are in South Carolina. I called the number to see what the name of the company is. I have no idea who they are or why they are calling and have never received anything in writing from them. Any debt I previously owed is over XXXX years old and past the Statute Of Limitations in Texas ( 4 years ) and not showing up on my credit report or has been charged off. I do not want to receive calls from this company again.
Product: Credit card

A credit card was opened under my name without my knowledge. I have never had a card through capital one. 

I received suspicious emails saying my phone number had been updated and that I went paperless.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 

Specifically, I am disputing XXXX XXXX XXXX I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 

I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report.

Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.

I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES FROM THE FOLLOWING COMPANIES ARE REPORTING ON MY CREDIT REPORT, AND I DON'T RECOGNIZE. PLEASE DELETE THE FOLLOWING ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Creditor will not accept my payment. For a 5th time. Please delete.
Product: Debt collection

Cedar Financial has placed a collection on my XXXX and XXXX credit reports. The original creditor was included in my bankrupcy which was discharged XX/XX/2014. XXXX shows the collection open and closed in a period that is not possible with my BK file and discharge date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert from XXXX XXXX that these to account XXXX XXXX XXXXXXXX & also XXXX XXXX XXXX was added to my report when I did not give authorization for them to do so nor is the debt mines! And they won't remove it an I would like for these to items be removed asap nor is the debt reporting the same major discrepancy!!
Product: Checking or savings account

CFPB please take note of this fraudulant activity. 


Why was my Personal Banking and Checking accounts PURGED by your Wells Fargo Manager at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX? 

Please state your Wells Fargo rationale from this manager? 

Why was I laughed at by two male employees in another Wells Fargo XXXX, AZ branch who reported this managers activity? 

Why was I treated differently and discriminated against? Why were other customers treated differently? 

Does this fired manager 's activity reflect in the countinuous denial of my court ordered XXXX settlement check? 

What is your answer in regards to my overly due delayed XXXX for years settlement check? 

Please explain why you are harassing me and withholding my XXXX COURT ORDERED SETTLEMENT check?
Product: Checking or savings account

I have previously filed a complaint to you guys but there has been no changes and it continues and I think the bank has decided to ignore my concerns. Any time I try to do transactions through the phone process they tend to put me through a cumbersome process which they do not apply to other customers because I sound different and I have a peculiar name. The policy of the company is for you to go through the authentication process through their automated process and when you finally speak to a representative of the company they just ask for your name and thank you for going through the authentication process. But, for me they further continue to ask me further questions I have asked other friends of mine who are white or have American names and they tell me they do not go through what I go through. I have spoken to several managers over this and they say they would make a complaint to their management on my behalf but I have noticed they do nothing about it any more. I have spoken to a particular manager called XXXX about three different times I think they see me now as a nuisance to be ignored. I feel am treated differently and they do not care as I think from my dealings with them the moment you sound different they place a higher verification standard on me. I think I need an apology from them and i also urge you to order them to train their employees that there other people from other country with different values and culture that sound different
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 15 usc 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. also fcra 605b says for the purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking, alco 15 usc 1666b-timing of payments says a creditor may not treat a payment on a credit card account under an open end late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered 21 days before the payment due date which I inform the credit reporting agencies I never received. also 15 usc 1637 requires disclosures by creditor before opening any account under an open end consumer credit plan, the conditions under which a finance charge may be imposed including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge. investigation failed to properly correct these erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting inaccurate information on my credit report XXXX XXXX XXXX account was to be deleted along with XXXX XXXX/XXXX should have been deleted. I have been disputing this for months now and it was verified from another credit reporting agency to delete the information. XXXX should have received the same response. They just keep updating the information. This is probably my 10th complaint about XXXX. It is ruining my credit score. XXXX also is not reporting a new account that I opened recently XXXX with a {$500.00} credit line. I used the card up to {$410.00} then paid the card in full to a XXXX balance. I contacted XXXX and was told they report each month to the credit bureau. I have 2 accounts now with XXXX and stills the new account is not reporting. Paying this card off to a XXXX balance should help my credit score. I contacted XXXX and got nowhere. I am submitting this complaint in hopes they will finally delete like the other credit beurou did. They are ruining my credit worthiness.