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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 card or prepaid card

I applied for an AMEX card online with a promotional rate of 0 % through XX/XX/XXXX on all purchases and a 0 % rate on balance transfers through XX/XX/XXXX. The promotion included a {$0.00} fee per balance transfers and a cash advance fee of {$5.00} or 3 %. I was approved online for a credit limit of {$15000.00}. I just received my AMEX card in the mail yesterday, XX/XX/XXXX. I went online today, XXXX XXXX to do a balance transfer and to set up my online account as well as active my new AMEX card. Upon trying to do a balance transfer online, it was noted that there was a temporary {$5000.00} balance transfer limit. I could not enter in a balance transfer amount higher than {$5000.00}. I tried and it did not let me process. I looked through all the paperwork that I received and there was no balance transfer limit. So I called AMEX to request a higher balance transfer limit since {$5000.00} was noted to be a temporary limit and a request could be made per AMEX 's website under my account profile. I talked to a representative roughly around XXXX XXXX   on XX/XX/XXXX. They informed me that a balance transfer request could not be made. That the card terms for a balance transfer is 75 % of the credit limit or {$5000.00} ; which ever is smaller. I explain that online is showing a temporary limit of {$5000.00} and it states that I can request a high amount to be transfer. I asked to speak with a manager. I was transfer to a manager named XXXX per the representative and XXXX per the actual individual. The manager said that he could send over the written notice but that it was in the packet that I received. Specifically in the cardmember agreement part 2 of 2.  I asked XXXX for the page number as to where the verbiage was at that stated I could not do a balance transfer over {$5000.00}. XXXX said that he could not find the page number. He put me on hold and then came back to tell me that it was not written in the agreement. I looked through the paper agreement as well as click on the information button online where it showed by the balance transfer. Both state that I can make a balance transfer but it could not exceed past my credit limit which is {$15000.00}. I asked XXXX if I can put in a request for a higher balance transfer limit and he said no. The limit was {$5000.00}. I asked to speak with his supervisor. I was transfer to XXXX ( could be misspelled incorrectly ). XXXX informed me that the call was being recorded. She stated that the balance transfer limit was {$5000.00} and I could not request a higher balance transfer limit. I asked where does that information show or is written. XXXX said that it was an internal policy and that the customer is not informed of this. I explain that it completely wrong because I was given an offer that did not mention a balance transfer limit. Furthermore, no where in the paperwork does it say I will be limited to {$5000.00} or 75 % of the credit limit ; whichever one is smaller. Basically, it is false advisement and misleading the consumer. I am attaching the paperwork that I receive in the mail as well as the cardmember agreement that I received.
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, 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 or other personal consumer reports

I sent several letters to the credit over the last year requesting the method of verification of the debt and provided a letter to them with details on the accounts that were in question. It has been more than the allotted time by the law to receive a response on these requests. I have yet to receive any information on any of the accounts that I requested information about.
Product: Credit reporting or other personal consumer reports

I looked at my credit back on XX/XX/year>, and noticed some things are incomplete and not accurate According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates these accounts XXXX. XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX .Account XXXX : XXXX The open date on all three 3 accounts was misreported information is not accurate The last date is active, and the last payment is on those accounts.
Product: Credit card or prepaid card

RECORD OF ACTIONS * Tuesday XX/XX/XXXX * Realized they were recording a delinquency * Tried to contact company on website * They do not have number listed * They asked for the account number * which you only get with the card we never received ) * XXXX * Called and spoke to employee # XXXX * XXXX * XX/XX/XXXX * He informed me that * we shouldve received the card since we sent it out * They have been reporting {$43.00} delinquency for the annual fee * I told him Id be happy to pay the annual fee, but since I never received one piece of mail I was not going to accept them reporting me late * I asked to speak to someone that could take that delinquency away. 
* He would not give me an account number or forward me to the the proper person who could help until I paid my late fee. ( Which was the very thing in question ) * Then he told me the only way to contact the people who could help was through FAX number. ( Which he refused to give me ) * CREDIT BUREAU * I contacted XXXX directly and disputed the charges * I also reported a fraud * File # XXXX * CURRENTLY * I have an pre-paid credit card account on my credit bureau that I applied for, was approved, never received and has been charging me and now has been showing me delinquent * I do not have a card, card number, account number, can not sign into the account, nor have I ever charged anything * The only way they will attempt to resolve is via FAX and only if I pay what I supposedly owe first
Product: Credit reporting or other personal consumer reports

I did not give consent to XXXX, authorization, nor benefit from any of the following inquiries. Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please Delete these immediately because I gave No one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete this Hard Inquiry off my credit report.
Product: Credit reporting or other personal consumer reports

This is my second time writing the company Equifax to update my personal information. 
15 USC 1681 ( a ) ( 4 ) 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. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also some names on my account that are not mine or spelled wrong on my credit report that needs to be deleted as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this name is on my account twice which should not be on my credit report twice. ) XXXX XXXX XXXX My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorize these inquiries from tj max on XX/XX/XXXX XXXX also on XXXX XXXX XXXX XXXX XXXX XXXX XXXX syncs/old Navy XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent both a police report and evidence of identity theft from the state of wisconsin, to experian, and they still will not remove XXXX XXXX XXXX XXXX account opened on XX/XX/2017. It is account that is inaccurate on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on XXXX and XXXX. The third, asset care. They bought a debt from XXXX XXXX which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment on my XXXX XXXX credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX XXXX  on XX/XX/XXXX at XXXXXXXX XXXX  and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying " I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from XXXX XXXX to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX  and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''
Product: Credit reporting or other personal consumer reports

This account does not belong to me and was opened fraudulently or belongs to some one else! 


XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX performed an unauthorized hard pull, I spoke with XXXX XXXX XXXX and was told that they could setup services without performing a hard pull and simply needed to verify who I was. I spoke to the rep on the phone and they stated too that by going this route they would not perform a hard pull and assured me of that. They did not request my SSN. I later followed up with XXXX and the rep stated that this has been an issues and I am not the first to call about this problem.
Product: Checking or savings account

On the morning of XX/XX/2024, I received my income tax return into my capital one 360 account, not even a week later my account was restricted and none of my funds were available for withdrawals. Capital one never tried to reach out to me despite having my email and number. My account was reviewed and they made a final decision to close both accounts in the spand of 4 days. I was not offered to be transferred my funds and I am also not able to access them in branch as I was told. I stressed to the operator that I am trying to move along with my XXXX kids and she was nothing but rude and mean to me and my daughter when we expressed concern about our accounts and the situation. We are highly upset and are still without our funds from Capital One. My son also receives social security benefits into my account which has never has issues before. Once we contacted Capital one we werent able to get any type of information as to WHY the account was closed besides irregular activity. It is now XX/XX/2024 and I still dont have a check or access to my funds.
Product: Credit reporting or other personal consumer reports

As a mortgagor with Rocket Mortgage LLC, it has come to my attention that the mortgagee ( Rocket Mortgage LLC ) has committed serious negligent acts, including mortgage servicing errors and defamation, which have resulted in significant harm and created a great deal of emotional distress to me. First, Rocket Mortgage LLC has demonstrated mortgage servicing errors by mismanaging my account, inaccurately canceling an approved Natural Disaster Payment Deferral, and falsely reporting a XXXX late payment to credit bureaus despite timely and consistent payments. This error has led to undue financial distress and unjustified damage to my credit standing. Furthermore, the false reporting of delinquency constitutes defamation, as Rocket Mortgage LLC has negligently published incorrect financial information to third-party credit reporting agencies, tarnishing my reputation and limiting access to future credit opportunities. Despite attempts to resolve the issue, Rocket Mortgage LLC has failed to take the necessary corrective actions, further exacerbating the harm inflicted. These actions are not only ethically unacceptable but may also violate federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Real Estate Settlement Procedures Act ( RESPA ), which protect consumers from negligent and fraudulent mortgage servicing practices. I demand that Rocket Mortgage LLC immediately : Correct the inaccurate credit reporting with all credit bureaus. Issue a formal written statement acknowledging the error. 

Compensate me for damages incurred as a result of their negligence. 

Ensure proper compliance with federal laws to prevent further harm to borrowers.
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/ check number XXXX in the amount of {$240.00} was presented and NOT paid by Bank of America. On XX/XX/2018 a fee for {$35.00} was charged. 

On XX/XX/ the check was returned to the business. 

On XX/XX/ the check was presented and processed electronically. 

On XX/XX/, THREE FEES in the amounts of {$30.00}, {$35.00} and {$35.00} totaling {$100.00} were charged. 

On XX/XX/ the check was again returned. 

On XX/XX/ a fee in the amount of {$30.00} was charged. 

FIVE FEES totaling {$160.00} were charged for ONE CHECK-which was never paid by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been over 30 days non responsive to Notice of Dispute Demand for Validation and Proof of Claim. According to the FDCPA 15 USC-1692, 15 USC-1666 and the TILA 15 USC -1601. Notice sent to XXXX XXXX XX/XX/year> delivered XX/XX/year> Certified mail return receipt. As of today XX/XX/year> no response to validation of alleged debt nor corrections to credit reporting agencies have been made. Certified mail # XXXX