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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, dept of ed/ XXXX XXXX # XXXX, 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, XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, Dept of ed XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. TransUnion and XXXX  closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. TransUnion and XXXX   should be diligent in processing disputes, making sure to report only information that is factual and has been validated.
Product: Checking or savings account

This morning when I called Ally Bank I got nothing but grief.I answered all there questions correctly.Because I never had them ask me certain question in all the years I have banked with them I asked them why.I told XXXX I have never been asked these certain questions before.All question were answer correctly and I provided additional information including the amount in each account date ofmature .This was a trust account to which I am the trustee.I told her i was the trustee and i have right to make changes.She also refused to provide me with a supervisor.All I wanted to do was close one cd, put the money in the 2nd cd and renew it for 15 months. She illegal froze my account.Now even after calling again and again answering the questions again not once but 2 twice, The second girl XXXX would not help me.I answer all the same questions and asked if these new question were something new.There were not, gave her all the same answers than demanded a supervisor because again I was not getting anywhere. she told me she had to ask more question I demanded a supervisor .I was tired of answering the same questions over and over again each time I was given another person.I finally was given XXXX and again the same thing.Unfortunately, my son took my phone to his day program in mistake, of all days, he pretty good about not picking up the wrong phone but it did happen.Got no where with XXXX and demand his supervisor, yes i was outspoken to say the least.I told them the same thing over again, I called this morning wanting to close one cd transfer money to another cd and renew at 15 month.Now they are refusing to unlock the account, refusing to give me the money. I am the trustee of the accounts.They would not even send me a code on my email account.what if you didn't have a cell phone.I was calling them on my landline. I just want them to unlock my account as all the answers I provide were correct, including if they saw the notes I called a few days earlier about the 15 month cd.I told them that I was filing this complainant and they didn't seem to care.I did slam them on XXXX which I mostly should not have .They have a copy of my son Trust and a copy of my guardianship papers on file for this. i can not get my account numbers as everything is done on line and they locked me out so I could not provide the terms of the cd only the mature date which was a question I could not answer.Since this will not be answered and solved, I want them to waive the fee it will take to close the cd because it will be past the ten grace period.
Product: Credit reporting or other personal consumer reports

My telephone number registered with the Capital One was hacked. THey allowed the hacker to change my phone number on my account. I cancelled that phone number and got a new one. Capital One verifies accounts by text. That disconnected phone number wasn't mine anymore so I couldn/t receive verification texts. I tried for months to change my phone number with Capital One with no success. They refused every attempt. Meanwhile I paid all my debt to them ALWAYS on time. I paid off all the cards I remembered. They put me through a rigorous fraud protection protocol not XXXX  not XXXX, not XXXX times, not XXXX times, but XXXX TIMES. They required me to send them copies of my XXXX driver 's license along with bank statements through their own secure links. I did that XXXX times over several months and waited and waited. Every time they said they did not receive the link response even though I received confirmations. This went on over and over. I finally realized their flawed system wasn't going to help me so I called and asked for all remaining balances and paid them off through live agent on their phone. Unfortunately unbeknownst to me the agent failed to include XXXX remaining small balance. That small balance stayed unpaid and since I did not have access to my account because they had locked me out for over a year they reported me as late. My XXXX XXXX dropped from high XXXX to low XXXX. I worked so hard to establish a good credit and all my balances have always been paid on time without exception. I spent more than {$300000.00} over a XXXX year period with XXXX XXXX credit cards and NEVER had a late payment. Capital One damaged my credit over a very small balance of less than {$200.00} because of their mistake, and due to their own outdated security protocols and absolutely user-unfriendly XXXX department who refused to help me change my phone number on their system. This was their error and they must be help accountable.
Product: Credit reporting or other personal consumer reports

I had an ex business partner that took out a lot of loans and credit cards in my name. I reported him to the police department. I have a police report. Ive submitted to the reporting companies as a collection on my file for {$14000.00} and its also a credit card for {$15000.00} under my name that I have no knowledge of it not my file is not my card. Its not my account and I need it removed off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) by your agency. My name is XXXX XXXX XXXX, and I recently discovered that certain items in my credit file were deleted and then reinserted by your agency without providing me with proper notification within 5 business days, as required by law. Additionally, there was no certification of proper validation for these items.
Product: Money transfers

There has been an unauthorized transaction of XXXX to XXXX in venmo account. I reached out to venmo support team and did not do anything to handle the issue.I have did some personals investigation of the user on the other end and many people have reported this user. I have reached out to many users that had problem with this other user they too have reported Venmo about this. Venmo instead froze my account and is threatening to send me to collections If i do not pay the XXXX to the other User
Product: Debt collection

I collection debts on my credit report open dating back to XXXX when I was n't even born yet. I was born in XXXX. There are 20 debt collections from XXXX XXXX XXXX in my Equifax credit report amount range from $ XXXX {$1000.00}. I have talked with the original debt company which has no debt in their system dating XXXX. My father has the same name as me but he is the 22nd ( II ) and I am the33rd ( III ). He got out the military in XXXX from a result of being XXXX XXXX XXXX XXXX and was a patient at XXXX XXXX XXXX. I disputed the collection and results were having them closed but not removed and I have been fighting to have the removed through phone calls to Equifax, disputes through XXXX XXXX Account and XXXX XXXX  XXXX. The debt collection should be removed cause of inaccuracy. How can a person born in XXXX have a debt collection from XXXX??
Product: Checking or savings account

I opened a savings account with this email Citibank sent me in XXXX. I completed all the requirements in this email to earn {$450.00} bonus reward I deposited and maintained XXXX for 60 days requirements. I still have maintained over XXXX in this account as if today. I have made dozens of phone calls and texts talking to Representatives that get me nowhere. They've opened a case and it has been open for months still no response. I called again yesterday and they said I'm not eligible for the bonus and to call a number and still giving me the runaround. I've talked to supervisors and texts where they have said I definitely am eligible for the bonus and it will be deposited into my account by XX/XX/XXXX. It was not deposited so I called again and they said they're still waiting for a response from the dispute team and I should have an answer soon. Still nothing after dozens of calls and texts and them saying I will get the bonus don't worry. I did all activities requirements for bonus assured by Citibank id get the bonus now six months later still nothing and no communication on their part letting me know status. I have saved many of our text conversations and they said when I called all the correspondence is in my file. So documentation of all this hassle I've been through. So disappointed!
Product: Money transfer, virtual currency, or money service

Received this email and was scared to open it. I don't know who they are and I didn't order anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

some of the credit inquiries on my reports I dont recall like 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  I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to XXXX the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.
Product: Credit card or prepaid card

Comenity Bank/ XXXX XXXX  card charged me a finance charge of {$2.00} after I paid off the account. That balance is now coming due XX/XX/2022. I have made multiple phone calls and tried to contact them online but every time I call the call is automatically disconnected and/or I receive a message stating, " We had a recent update and are having systems isssues '' and then the call is disconnected. Their website says you can pay online but you can't. You get the same message. I have been working on this for days with no progress. What am I supposed to? I do not have any lates on my credit. And I do not want any. Please advise. 

XXXX XXXX - XXXX XXXX XXXX customer service XXXX " After the completion of a recent planned system update, we continue to work on restoring service as quickly as possible. Were very sorry for any inconvenience. Please know that we will work to ensure a fair resolution for our customers who were impacted by this service disruption. You can now check your balance, make a payment and service your account using our Automated Voice Response System by calling the number on the back of your card. ''
Product: Checking or savings account

To whom it may concern : My chase bank account number : XXXX has been closed for no reason and the funds in my account are on hold without any reason. 
The bank stating that they are doing an investigation without giving any explanation I depend on my funds and they holding them I demand release of my funds immediately first they closed my account telling me they have the right to terminate my account at any time per terms and agreement but they don't have right to hold my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX  as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with XXXX   requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and XXXX  is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact XXXX  on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a XXXX address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to XXXX children and we have never lived at a XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep having accounts appear on my credit report that i think are linked to my identity theft case from several years ago.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXX/XX/year> Consumer SSN : XXXX I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted within ( 4 ) business days pursuant to FCRA 605B15 U.S.C. 1681c-2 ( a ).

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of data breach, identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the XXXX XXXX XXXX with balance of {$4900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have reached out to this company several times, yet they persist in refusing to remove any items that do not belong to me. 

This account is fraud and they must remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Discover that had been closed for many years but still had a balance that I was paying every month. Then in XX/XX/2020 I received a statement for a balance of XXXX and I paid it in full on XX/XX/XXXX. In XX/XX/2020 I checked my credit through XXXX, the bureau that my bank uses and it showed that my credit score had gone down because Discover had reported me as delinguent for not paying. I called Discover and spoke with a person who gave me her name as XXXX. She took the extra charges off and when I asked her if they would get with the credit bureau and take the false information off she checked with her supervisor and said they couldn't do that and I would have to call the credit bureau myself. I then called XXXX  and after quite a while I was connected to a person who said I would have to file a dispute with XXXX. None of this is my fault. I paid Discover in full the amount they said I owed on the statement and that should have been the end of it since the account had been closed for years. I have worked long and hard for my credit score and don't appreciate this.
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 XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX IN Account NumberXXXX has violated my rights. Or a 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

XXXX XXXX  and CAPITAL ONE REPLY ACCOUNTS ARE UNDER REVIEW.YET CONTINUE TO TRANSMIT LATE PAYMENTS. INFORMATION TO ALL CREDIT AGENCIES EFFECT MY APPROVAL ON ANY LOANS I HAVE APPLIED THIS IS IS IN VIOLATION OF FTC UFC 16. THEREFORE ARE LIABLE FOR DAMAGES I HAVE INCURRED {$10000.00} TO DATE
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX