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

I recently gained a copy of my credit report and noticed inaccurate and unfair inquiries that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies
Product: Credit reporting or other personal consumer reports

Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of XXXX. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. XXXX XXXX XXXX is a nonaffiliated third-party, therefore they do not have permission to report to my consumer report. There is no contractual agreement of obligation to this debt collection agency for any amount. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information. First Collection agency was provided information illegally from XXXX XXXX, which according to XXXX and their privacy policy advises XXXX XXXX will not disclose my information to third parties and other inquirers without my consent. I have never given XXXX XXXX consent to disclose my information with XXXX XXXX XXXX ( a third-party ). According to XXXX, A third party is a person or entity that has no contractual relationship with XXXX XXXX to perform services or act on behalf of XXXX. According to, 15 U.S. code 6802b, there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having this account disclosed. Therefore First Collection agency must be removed from my Consumer report and XXXX, XXXX and Experian a non-affiliated, ( Third party ) of XXXX and XXXX XXXX XXXX must delete the collection account from my consumer report. The collection account with, XXXX XXXX XXXX has been disputed on both, XX/XX/XXXX through a CFPB complaint, # XXXX andXXXX  through XXXX. All reporting agencies XXXX, XXXX and Experian has continued in their efforts to disregard my consumer rights, violating federal law and privacy rights under The privacy Act of XXXX. It is imperative that this matter is resolved immediately and the Collection account is removed.
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 number:XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number: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

XXXX is reporting information that does not belong to and it has hinder my XXXX for any credit I have not filed any XXXX or applied for XXXX yet it is showing on my XXXX causing denials. I have paid all debt in full there are also information shown on profile that has been on there more than XXXX  years
Product: Debt collection

Niagara capital recovery call this morning refused to identify the nature of call or address of company tell intimate information was given stated that I was not given out my social to them and was immediately told he couldn't disclose information with out verification of who I was. That he only need the last four. So I  gave him it to figure out what the calls were all about he then told me I was being sued and needed to contact the local police station that the carrier will be at my home address or place of business within 48 Hr s I then asked him to verify him and also stated that I was also recording the phone call he then begin  to get hostile and said I don't need to verify myself I told you I'm XXXX XXXX with Niagara capital recovery and that he had all of my information that if he wanted he could get alot more money then  {$150.00} I asked him if that was a threat he laugh I then told him I didn't trust him or his company and that there is so many scammers and scams going on he then said I'm try to help you all we need is a payment arrangement linked to your bank account I said no then he proceeded to scream at me and I hung up.
Product: Credit card or prepaid card

I received my US Bank Relia Card with my unemployment money on it. Then about a month ago There were 4 XXXX XXXX ( {$220.00}, {$100.00}, {$60.00} & {$39.00} ) charges made to my card the I did not authorize. ( I do not use XXXX XXXX, XXXX XXXX, or XXXX XXXX ) They were made in California and I live in Pennsylvania. I immediately called Relia Card and spoke to XXXX & she said this was huge doing to PA people 's cards they would open a dispute and send me out paperwork to fill out to get it resolved and I had to pay {$15.00} to get my card over night to me. I filled out the paperwork & faxed it right in. The money was then returned to my account. The day after getting the new card again someone charged a XXXX XXXX in California for {$55.00}. Again I called and this time I explained what happened and was told a new card would come out to me. I asked to speak to a supervisor in the fraud dept and was on hold for over 2 hours not speaking to anyone so I hung up. I had not even authorized that new card yet. This afternoon I went onto the account to check about a charge and found again that someone had charged a XXXX XXXX from California for {$46.00}. Also the charge for the {$55.00} was taken off my account activity listing but not back into my account. Infact the account is missing, {$0.00}. Again I called and again Relia Card speaking to XXXX who said I would have to have a new card sent out to me again but before that he wanted me to speak to the fraud dept and placed me on hold ( 2 hours again ) to get to the fraud dept with no one answering so I hung up. I am getting tired of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit and it seems unauthorized credit attempts are on my credit report. I am showing from a XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX Thd/ cbna XX/XX/2020 and XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 Macys/DSNB XX/XX/2020 also these phone numbers have been calling me about my credit XXXX ; XXXX ;
Product: Debt collection

I have sent several letters under " XXXX '' to Bank of America for details of the debt they are reporting to XXXX, XXXX and XXXX. Bank of America is reporting multiple addresses for contact to each of the credit agencies and have not responded to my requests. The charge off amount reporting is different between XXXX credit agencies. I have asked for details about the data of last payment, charge off amount, interest being charged and how they calculated this interest and copies of past statements and to provide if this debt has been sold to a debt collector. I have not received any response from any of the addresses they are reporting. The Credit Agencies continue to validate this debt and it continues to report monthly. BofA has not reported that this debt is in dispute with the Credit Agencies after several " XXXX '' letters.
Product: Payday loan, title loan, or personal loan

XXXX XXXX in XXXX, Nc denied me a loan i was qualified for. I think the branch XXXX name there is XXXX. and there is also XXXX. here is the thing, i kept applying for a loan with that branch earlier this year and late last year. each time i applied online and a few times over the phone. i would wait 30 days to apply again. when i waited 30 days, which is when they told me to wait to reapply, the branch XXXX at the XXXX nc XXXX told me they just denied me and that i wouldnt be able to get another one anytime soon. i know this because i was finally able to get a loan with the branch in XXXX nc, the same day i called the XXXX branch, who refused to run my credit. i want nothing to do with this scam of a company period. ive reported them to the nc doj, the XXXX branch for their high interest rate and the XXXX branch for being dishonest and discrimination on me getting a loan after it was for more than 30 days that i applied previously. this is against the law
Product: Consumer Loan

I qualify for the XXXX buyback. I 've gone about XXXX to XXXX time over the years to get the problem fixed. Most recently 2 weeks ago. So I asked how much I would get for my truck if they were to buy it bac they offered XXXX I owe about XXXX. My problem is I bought it new in 2013 I have n't used it recently becouse of the risk that 's involved but I do n't want to give it away to XXXX. My total cost with financing is XXXX I 've paid about XXXX I owe XXXX. I have about XXXX recalls on it do I qualify for the lemon law for the reason they do n't have part for it and have n't had any till present day. My vin number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in my account to be removed.

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

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


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


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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX/XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

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

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

I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiplXXXX XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX  XXXX XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to XXXX Transunion, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.
Product: Checking or savings account

HELLO MY NAME IS XXXX XXXX XXXX XXXX, I AM WRITING THIS CLAIM BECAUSE I AM A VICTIM OF FRAUD THEY STOLEN THE PERSONAL INFORMATION FROM MY CHECKING ACCOUNT, TO CARRY OUT FRAUDULENT TRANSACTIONS, THE COMPANY XXXX AND THE COMPANY *XXXX* I HAVE NEVER HAD RELATIONS WITH THESE COMPANIES, SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO DO FRAUD, I NEED HELP TO REOPEN THIS CASE AND VERIFY WELL WHO STOLE MY MONEY AND BE ABLE TO RECOVER IT, AND PUT A STOP OF PAYMENT TO THE COMPANIES THAT HAVE WITHDRAWN FROM MY BANK ACCOUNT...
Product: Credit reporting or other personal consumer reports

Please delete all inquires these are fradulent an are not attached to any accounts I have they need to be removed asap It is also unlawful to post anything to my file without proper consent or written permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Product: Debt collection

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt XXXX  or the express permission of a court of competent jurisdiction, a debt XXXX  may not communicate with a consumer in connection with the collection of any debt. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt XXXX, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt XXXX  may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company is in violation and performing an infringement upon a consumer 's right to privacy. I have been harassed by constant and overly obsessive phone calls, text messages, emails and mailings. This has caused great distress and humiliation ; I have placed a verbal cease and desist on the file and have declined any debts XXXX XXXX, XXXX has stated that I owed.
Product: Mortgage

I sold my home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and bought another home at XXXX XXXX XXXX, XXXX XXXX XXXX Regions Mortgage held the mortgage on both. I closed on XX/XX/XXXX. I havent received a mortgage statement from Region mortgage by XXXX or by email since I closed on this property on XX/XX/XXXX. They keep sending the paperwork to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have contacted them and they continue to send paperwork to my old address. I spoke to XXXX XXXX at XXXX and it continues. I spoke to XXXX on XX/XX/XXXX and she stated that she changed my address. Someone at Regions Mortgage continues to change it back to my old address.
Product: Credit card

Amazon.com still haven't provided refund for a purchase of a XXXXXXXX XXXX XXXX XXXX XXXX  that I made on XX/XX/2023. Amazon Order Number : XXXX in the amount of {$360.00} for product not received which required signature. 

I had previously filed a complaint with the Consumer Financial Protection Bureau regarding this matter ( complaint number : XXXX ), which was resolved in my favor. However, it was reversed by Synchrony Bank two weeks later without reason or merit Please read the cover letter, which will detail the events that led me to open a new complaint against both Amazon.com and Synchrony Bank. 

I filed a police report as per Amazon.com 's request, and I still haven't received my refund, even after submitting the requested police report to Amazon.com with the promise of a refund once the report was received. 

I kindly request the CFPB 's intervention once again to further address the continued challenges I am facing. Your assistance is crucial in ensuring a fair and just resolution to this matter. 

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

Account was closed, trying to withdraw remaining BTC ( XXXX BTC ) from vault with approximate value of {$1200.00}. On the account closed page, trying to withdraw the funds does nothing and the spinner just hangs after entering in the withdrawal address. Funds have been locked for almost 3 months now. 

Requested assistance from support and received automated response and then notice that no more emails will be responded to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I'm sure you, I have never taken out these charges. I do not have access to the documents related to these accounts, but the creditors would.
Product: Credit reporting or other personal consumer reports

The following items are inaccurate and or incomplete. Please verify each account. Once investigation is completed please remove/delete all accounts not reporting ACCUARETLY. 

1. XXXX XXXX XXXX. Account terms inaccuarate. Balance inaccurate, payment history incorrect 2. XXXX XXXX XXXX-account terms inaccuarate, payment history incorrect, balance incorrect 3XXXX XXXX account terms incorrect XXXX Account is closed but shows active payment history 4, XXXX XXXX-account number XXXX account terms inaccaurate. payment history incorrect and missing XXXX- account number XXXX account information incomplete and incorrect and missing
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.this account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Iam asking you to verify as accurate account number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute inaccuracy on XX/XX/XXXX to TransUnion on XXXX XXXX app, and never got a response
Product: Debt collection

I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.

S.C. 1692g. Please provide the following information regarding the alleged debt : 1. The name of the original creditor.

2. The amount of the debt, including a breakdown of all fees, interest, and charges.

3. Proof that you are authorized to collect this debt, either through assignment or ownership.

4. Verification of the debt, including copies of any contracts or documents that show I am legally obligated to pay the debt.

5. A detailed payment history showing how the alleged amount was calculated and whether payments have been applied. 

Until I receive this information, I request that you cease all collection activities related to this debt, including reporting this account to credit bureaus or pursuing legal action.