23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

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

List of Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have requested the Experian, Transunion and Equifax Validate and Verify that all information is correct and accurate on my credit report. They have not sent me the requested information to show that they investigated and found everything reported to be accurate. I have written them on XXXX different occasions with no response or changes made to my credit report. I have requested proof bearing my signature that the accounts belong to me. Removal of inaccurate addresses and employments listed that are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. These accounts were paid as agreed, not a charge off or transferred XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account XXXX : XXXX XXXX / Experian XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX / XXXX XXXX XXXX Account XXXX : XXXX XXXX / XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX / XXXX XXXX
Product: Debt collection

Company withdrew money from my bank account after I advised them they did not have permission to withdraw funds from my account. They refused to provide a settlement offer of no less than 60 % of the amount. They refused to refund money that they withdrew without my consent and they charging for fees for NSF in which they caused.
Product: Vehicle loan or lease

Yesterday I called Exeter Financial to request help in suspending car payment this month and adding it back on to end of the loan-to extend the loan longer. During this covid outbreak, I am the only person in my household able to pay bills. They arent helping people out at all. Only waiving late fees. That really isnt helpful as I just need a break for the length that everything is shut down. My roommate/partners business is closed. I am the only one able to pay for anything. I have 3 kids. They have no policy in place to work with us who have loans through them.
Product: Debt collection

XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere... 

Collection account listed as XXXX XXXX XXXX XXXX .... 
XX/XX/2022, I called XXXX XXXX XXXX  and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from Citibank N A  ) I have never had an account with Citibank NA as you can plainly see on my credit history.
Product: Debt collection

My account was sent to charge off in XX/XX/XXXX. The charge off amount was {$3000.00}, The card limit was {$2500.00}. However, I starting making {$10.00} payments on my own to in XX/XX/XXXX to reduce my balance and make a positive effect on my credit score. My {$10.00} payments are not showing on my end on my credit report as being paid. 
It states not payments to creditor. The current Balance is {$2800.00} and last week my credit score dropped 20 points. I called XX/XX/XXXX and was told that the credit bureau automatically calculate my score based off something not sure what they meant. In addition, I called the Company that I owed my balance to and I was told that the only way for my score to change was to pay off the balance or pay the settlement of {$1400.00}. I was even told to use my stimulus, the nerve of that representative from the credit company. I would really appreciate your help. Thanks
Product: Credit card

Numerous fraudulent charges were applied to my American Express card that I never received because I needed a new one. Every time I call, they seem to have a different story of what theyre doing to try to fix this. They dont seem to know how to resolve this. The charges were in Hawaii and XXXX XXXX. I live and work in New York and have never been in the states and have filed a police report
Product: Checking or savings account

Companies Involved : FirstBank of Colorado XXXX XXXX I am writing you in regards to the XXXX Account Updater program. Now my card was compromised a week back and my bank issued me a new card. I had the card in the mail along with a letter from my bank informing me to update important account information. Now I checked my bank statement the other day and saw that XXXX charged my account for about {$10.00}. I specifically know in my mind that I did not give out my new card to XXXX. I called my bank and explained the issue and they informed me that it is an automatic payment that updates my accounts. I did not authorize my new card number to be charged but it was anyway. My problem is not the amount but the fact that XXXX got my private card information from my bank. I am writing to you on Tuesday XXXX XXXX, 2017 as I just got off the phone with my bank FirstBank of Colorado. I asked for them to opt me out of this program but I doubt they will. This is important and big, and is something that people should know about as companies should n't be able to charge your card without you knowing or without your consent.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto-pay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. 

These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements
Product: Credit card or prepaid card

I filed a chapter XXXX Bankruptcy and after 6 mos I notice that non of the bills were being paid so I closed out the Bankruptcy and reached out to each creditor. I had 2 cc with Capital One when I contacted them to workout payment arrangement that I was informed that one of my cc was sent to Portifolio which I do not have an account with. I paid the one that Capital One had. I do not understand how you can send someone to collection while they are in an active Bankruptcy. Please advise a fix to this problem as I am trying to pay the CC as I have paid the other. It should be against the law to send someone to Collection. And it was verified that the account was sent while I was in the middle of the BK
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXX over the course of 3 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees. 

Again, on XX/XX/XXXX I wrote letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXXs over the course of 6 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees.

Statute 605 - 15 U.S.C. 1681c explicitly states the terms in which such deductions shall be made as well as the ethical manner in which such changes are to be reported on the specified consumer.
Product: Credit card

At about XXXX XXXX tonight, I used my card to make my VA XXXX XXXX bill after calling to see what my available credit was in the automated system. I also made a {$51.00} payment which was not due until XX/XX/XXXX 

I entered the card information correctly two times and it denied me using the card to pay online. 

I called AMEX again to find out if they locked my card. That is when just 30 minutes later they reduced my available credit to {$1000.00}. 

This should be illegal and that is the only reason I am complaining tonight.
Product: Mortgage

Needed Tax help. So, I received a mailer stating this company would help me catch up on Property Taxes and I applied for help. My initial tax bill was approximately {$12000.00}. I then experienced hardship with a divorce and child custody and asked Ovation Services ( Tax " MORTGAGE '' Lender ) for a loan modification but was rejected every time I asked ( tried about 12 times ) and now Ovation Services is stating I owe over a {$110000.00} Dollars in PENALTIES AND ADDED FEES.

Ovation Services has had a forced insurance policy on my home but when the last storm came through and I filed a claim for a leaking roof, the insurance company paid the Tax Lender and DID NOT FIX THE LEAKING ROOF AND NOW THERE IS EXCESSIVE WATER DAMAGE AND MOLD. I HAVE A TODDLER AND THIS IS A HEALTH CONCERN BUT WE HAVE NO OTHER PLACE TO GO. I FEEL OVATION SERVICES IS A " PREDATORY LENDER '' AND THEY DECEIVED US.
Product: Debt collection

I received a call from structure settlement on XX/XX/2021. While talking to the represented he informed me that creditninja had hired them to collect this debut. During the call I was asked what I was able to pay and when formed what I could do, I was told that was not good enough. He stated that creditninja would agree with that offer. He became belligerent when I stood my ground. After that, he threaten legal action if I did not agree to his terms. I then informed him that I would contact creditninja directly and discuss as settlement. I direct called creditninja after hanging up with him. Creditninja informed me that they no longer own the debut and it was sold to structure settlement.
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. 

XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX/XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

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

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

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

I refinanced a mortgage through US Bank in XXXX 2015. In order to get a XXXX bps reduction in the rate I was told I needed to open a checking account in a branch. I went into the branch to open my account, and the girl opening the account offered me another credit card ( I already had XXXX from US Bank for several years ). I told her I was n't interested, and a week later I received a new credit card in the mail. After calling the branch manager to find out what happened, he said " she accidentally pushed the wrong button. '' XXXX it takes more than one button to open a credit card -- more like a few dozen. After assuring me that the card would be closed and it would not reflect on my credit bureau, it now shows that I opened a card and closed it the same month on my XXXX report. Fraudulent accounts being opened by bank employees is not just limited to XXXX XXXX -- they were just dumb enough to get caught.
Product: Credit card or prepaid card

Have had my Capitol One card for two years and have tried three times to get a credit increase and was denied due to a lame excuse of too low a payment which set. I feel like this is a lame excuse esecially when if has not been late. Have tried talking to them but no one will listen just said pay it in full or increase payment. If I didn't need an increase I wouldn't have asked for one.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft while in a coma. I suffered from amnesia as well for the last year. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. 
All three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO " VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these 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 SEE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

Someone opened an account in my name. I never opened this account nor did I even receive this card. I asked to submit a fraud complaint and they refused because I wouldn't give them my full social security number. I refuse to give it out to a company that has a card in my name that I didn't open. Not to mention I never had a credit card company ask for my full.social security number. When I finally received a bill it was for plane tickets which common sense would be able to see if I boarded a plane or not. I haven't flew on a plane in about XXXX  years and it was only 1 time. I XXXX  the company 's number and it states it's a scam so how is this company allowed to report a fraudulent account and destroy my credit score that I have worked hard to earn. Again common sense shows I pay all my bills on time. Transunion must have morons working for them because they agreed with the company. Probably working with the company to make customers pay for credit monitoring. The company is called XXXX XXXX XXXX XXXX XXXX. The amount in question is {$2600.00}. I then receive a letter saying they need more information before new charges can be allowed.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Accounts and Student Loans Fraudulently Opened by Ex-Husband I am filing this complaint to report several accounts and student loans that were unlawfully opened in my name by my ex-husband without my knowledge, consent, or authorization. These actions have negatively impacted my financial standing and credit profile. The fraudulent accounts include : Student Loans : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX Other Unauthorized Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX  Account Number : XXXX I request that the CFPB investigate this matter, as these accounts were fraudulently obtained without my permission. I have not benefited from these loans or accounts, and I should not be held responsible for any balances or derogatory marks that these creditors have placed on my credit report as a result of this fraudulent activity.
Product: Debt collection

Capital One Bank and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. I did not consent or authorize XXXX XXXX XXXX obtaining my nonpublic personal information and unauthorized use of my credit card defined under 15 USC 1602 ( l ) is a violation of 15 USC 1602 ( p ). Consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. Capital One Bank illegally transferred the account in reference without lawful authority to XXXX XXXX XXXX which is a violation of code 18 USC 1028 ( a ) ( 2 ). I have never conducted business with XXXX XXXX XXXX and I have not benefited from this transaction which is also a violation. Without lawful authority, by using means of my identification XXXX XXXX XXXX is committing aggravated identity theft. XXXX XXXX XXXX is attempting to collect on this account by extortionate means pursuant to 18 USC 894. Due to continuous acts of deceit, coercion and intimidation, my consumer report has suffered drastically. Therefore, I would like to inform XXXX XXXX XXXX that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity as well. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1.
Product: Prepaid card

The cash app company had no customer service and sometimes it would take months to hear back from them on a dispute. Sometimes I never heard back at all. The picture down below is an example of a claim that was not refunded and it says XXXX XXXX and my claim was for XXXX. Ive lost money because customer service of cash app doesnt exist
Product: Checking or savings account

Wells Fargo opened a savings account Unauthorized in my name then closed my Checking and reported me to XXXX XXXX  now XXXX cant open a account at any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking and removing of the fraudulent inquiries which were being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I left my phone in a gas station and when i went to pick my phone up a {$500.00} transaction had been made using my Truist debit card. Truist has refused to pay the money back. They have used misinformation to come to this conclusion.