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

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 under the account number ( XXXX ), a personal credit account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ), and a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I received from Wells Fargo many letters offering to refinance my mortgage loan. I called and started the process, sent all the documentation required, and finally they denied the loan for " XXXX ''. I then sent an email to a XXXX complaining ( XXXX ) eleven days ago, and it has been ignored. No response from any XXXX or anyone.
Product: Checking or savings account

My debit card dispute was denied, I did not receive the services / product my debit card my charged. I've sent an email to my senator XXXX XXXX and my congressman XXXX XXXX to complain. I've filed multiple complaints and I can't get a hold of anyone at bofa. I'm going to file a new complaint and send complaint emails to my senator and congressman everyday until I verbally speak to someone from b of a.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries added to my report that I did not authorize
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and notice several inaccuracies on my account. This account is hurting my abilities to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
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 Account XXXX Account name : XXXX XXXX XXXX  Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am writing to dispute the inquiries on my consumer reports, inquiries conducted on my behalf without explicit permission. I did not authorize any such investigation, and i request immediate deletion and clarification on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect contact information, name and address. 

Accounts that Im unaware of
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and urge you to address and rectify all inaccuracies in your records promptly. I request that immediate action be taken to restore my credit profile 's integrity and accuracy without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.
Product: Debt collection

i do not owe XXXX any money.. i do not have no contract with this company..
Product: Checking or savings account

On XX/XX/year>, I filed a dispute with chime for unauthorized transactions on my account. After my claim was received I was notified that my claim was accepted and that an investigation will be held to determine the outcome. I was given a time frame of XXXX with an expected resolve date of XX/XX/year>. Not even a full XXXX hours my claim has been denied with chime stating in their investigation has concluded a that they found no errors to be made. I have reason to believe chime did not investigate my claim due to the dollar amount of the claim. Im more than certain an investigation was not properly investigated in such short of a time frame. I have also filed a police report on the subject at hand.
Product: Credit card

My camera security company shared my information with their financial company and they opened a credit card in my name with a XXXX balance and the automatically take money out of my debit card every month. XXXX is the security camera company and Fortiva it their financial company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform. Therefore leaving my account, vulnerable and unprotected. As well as their dispute resolution process was and is unfair, deceptive, and deceitful. As they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and great financial loss, and I see the appropriate redress for these violations. Im requesting all the money send from my account. ( All transactions ) be refunded back to me for my great inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX  XX/XX/2022
Product: Checking or savings account

Navy Federal Credit Union has allowed someone to access my account information so being able to deposit and withdrawal amounts from the account acting as me without requesting proof of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and that's when it was brought to my attention that this damage was on my report. According to 15 USC 1692GB, the agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I did not validate this debt. Therefore, the following accounts must be deleted from my credit report immediately.

Account : XXXX XXXX XXXX  Account # XXXX Amount : {$2500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$2200.00} I have no knowledge of this Account Account : XXXX XXXX XXXX  Account # XXXX Amount : {$500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX  Account # XXXX Amount : {$13000.00} I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entity providing this information to you has an obligation to correct, VALIDATE, VERIFY, and update relevant information to ensure its accuracy. If they have failed to do so, they maybe in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they can't be validated and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove Incorrect/Outdated Addresses from Credit Report Dear Experian, I am writing to formally request the removal of certain addresses listed on my credit report that are either incorrect or no longer relevant to my current address history. According to my recent credit report, there are addresses associated with my profile that I do not recognize or no longer use. I would like to have these removed to ensure that my credit report accurately reflects my current and past addresses. 

Addresses to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that you investigate and remove these addresses in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit reporting agencies maintain accurate and up-to-date information. As stated in Section 607 of the FCRA ( 15 U.S.C. 1681e ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Additionally, under Section 611 of the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation upon my request and correct any inaccuracies or outdated information on my credit report. Since the addresses in question are not associated with my current address history, they are not accurate, and I believe they should be removed accordingly. 

Please send me written confirmation of the removal of these addresses and an updated copy of my credit report once the corrections have been made. Should you need any further documentation or clarification to process this request, I would be happy to provide it. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i transferred XXXX. Via my wellsfargo online account to XXXX XXXX wells fargo account with the XXXX feature. I found out it was It was a scam for a house rental when i got there. I went to XXXX wells Fargo branch ( where the house was located ), and was informed by a banker that i should say that i didnt authorize the transfer, ( in other words, lie ). I wasn't willing to do that so i left but filed a police report. I found out that the same guy had done the same thing the weekend prior to someone else! I went to my wellsfargo when i got home talked to 10 different people to no avail. I tried to reach out to XXXX but they said talk to wells Fargo. Per the terms and conditions that wells fargo/XXXX has, it says that if you agree, they are able to provide name, address, phone and email of the person i sent the money to. They have refused on all levels.
Product: Debt collection

collection was placed on my report XX/XX/24. I have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report I am intrested in disputing all invalid daTA that is hindering my credit profile with Equifax.
Product: Checking or savings account

I am an XXXX XXXXXXXX XXXX XXXX I have {$520000.00} in my Chase checking account. I was the victim of an XXXX XXXX scam which was detected on XX/XX/XXXX. The scam was reported to XXXX XXXXXXXX XXXX XXXX XXXX  Police and is being actively investigated by the FBI ( contact details can be provided upon request ). Since XX/XX/XXXX I have been trying to have the Chase checking funds returned to me. I have on numerous occasions visited the branch, phoned, etc ( details can be provided upon request ). I need these funds for living expenses and investment purposes. I am extremely distraught by Chase 's horrible treatment. Not only were they negligent in not noting the obvious signs of the scam, but they are adding insult to injury by not returning the money I have with them.
Product: Checking or savings account

Good afternoon, My account was abruptly closed by Capital One while always being in good standing. I filed a dispute of charge for an airline cancellation and next thing I know they are closing my account. I have several XXXX deposited monthly into my account and have never had a single problem. There only answer given is that it's a back of the house decision. I have contacted the customer protection department endless times including today speaking with a supervisor who only continues to talk in circles and likely is reading from a script. I feel like this decision was greatly made in error. They also have blocked incoming deposits and froze my money in the account while I was XXXX miles from home leaving me stranded. This to me is abuse by the company and has caused severe stress and anxiety as you can imagine. My last interaction is today XX/XX/XXXX at XXXX EST with a supervisor via XXXX consumer protection department. The relationship was abruptly ended on XX/XX/XXXX Email sent ending relationship copied below:XX/XX/XXXX Important Information About Your Account ( s ) Re : Your account ( s ) ending in XXXX XXXX XXXX , Weve decided to close your account ( s ) ending in XXXX because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. 



Your balance and any interest earned will be transferred to your linked external checking account within XXXX to XXXX business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within XXXX to XXXX business days. 



If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 


If you have any questions, please call us at XXXX, XXXX XXXX XX/XX/XXXX ET, XX/XX/XXXX days a week. 

Thanks, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One , N.A., Member FDIC. XXXX Capital One. 
*Note : Email is not a secured method of communication and Capital One makes no representations or warranties about the safety or security of any email you may send to us. Please ensure all personal information such as account numbers, social security numbers, etc. are removed from your response and/or documentation*
Product: Debt collection

I have gotten repeated phone calls and letters from Americollect saying that I owe medical debt. They named my hospital, so I hung up and called my hospital to confirm that I didn't owe any money. The hospital stated that I didn't owe anything and that they don't use Americollect for their debts. I called Americollect back and told them that it was taken care of and that I don't want to be called again. I got even more phone calls saying I still owe money and when I ask for more information regarding the debt, Americollect says that they are not in contact with the people that post the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a credit report error that has caused significant damage to my credit score. According to my credit report, I have a delinquent account with CBNA for an outstanding balance of {$490.00} However, I have never had an account with CBNA, nor have I ever received any communication from them. I have contacted CBNA to resolve this issue, but they have no record of me or any account associated with my name or personal information. This has caused me significant stress and anxiety, as my credit score has dropped significantly due to this false information. I request that you investigate this matter immediately and remove this erroneous account from my credit report. I also request that you notify me in writing of the results of your investigation and any actions taken to correct the error.
Product: Debt collection

This account was opened through a dental office which granted them full access to charging this credit card, they abused their access and overcharged the card with fraudulent services that I didnt obtain. The young lady who did this was fired from the office but I didnt know she had already abused this account and my credit was affected. I attempted to tell the credit card company they ignored me and I attempted to get the office to help me but their only response was the young lady was let go The financial records they provided to me dont match the credit card records and no one in the office will give me anything in writing admitting what transpired. They ignored my calls for years and now Im in debt with this credit card company
Product: Checking or savings account

I did not have enough in the bank, I made it clear to the company, do NOT charge that account, they did, the bank accept, then charged me {$70.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX