23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Name is XXXX XXXX XXXX I was issued a warrant on XX/XX/XXXX and i was notified of it by my parole agents so i placed all my wallet belongings into a XXXX firesafe and when the police arrived i went with them and left this locked i was the only XXXX with the combo. 
I went back to prison until XX/XX/XXXX when i was released early i was meant to get out XX/XX/XXXX, i came to a treatment center, i then went home for a pass to get my stuff and seen that my home was broken into at some time this day was on XXXX the XXXX i looked for my safe and i couldn't find it so i logged into my acct. and seen that the funds were missing so i started to call the bank { Capital one 360 mobile banking } it was to late to talk to anyone in the fraud dept. so i call the next day, i had to return to the treatment center also, on XX/XX/XXXX i filed a claim with capital one 360 mobile banking for all the usage on my card and my account, they started the investigation for me and issues claim numbers for it they are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX for account ending in XXXX and from that day forward i have been helpful trying to give the bank all the information they would need to help them in there investigation such as the prison documents showing the dates i was locked up and the dates i was released and the police report number and officer name and information. 
Now with the bank having a full statement from me and having state issued documents showing that i could never have made any of the transactions cause i was in prison they still denied returning my money to me. each month the bank informs you how much comes in and how much goes out they tell me its {$11000.00} that was spent out of my account but i add up differently and maybe i am wrong i am adding up what i got deposited into my account each month cause it is what was spent i did spend any of it.so what i can add up is that each month 's deposits based off the bank statements they are as follows ; XX/XX/XXXX XXXX to XXXX {$430.00}, XXXX {$6600.00}, XXXX {$2900.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$1700.00}, XXXX {$1400.00}, XXXX {$960.00}, XXXX {$0.00} for a total of {$18000.00} was deposited into my account and which i never used nor gave permission to have anyone use, ,so for the month of XXXX, the acct was used w/o permission from the XX/XX/XXXX at XXXX to XXXX, then XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, up to XX/XX/XXXX. 
I will be attaching emails and bank doc. for you i hope all this helps cause none of it did for the bank they say they see no errors and it blows my mind.
Product: Credit reporting or other personal consumer reports

I sent these credit reporting agencies XXXX XXXX, transunion, XXXX, and XXXX to remove these items off of my credit report that include all addresses, birthday, name, employment and hard inquiries, as I did not give permission and I did not give permission to share with XXXX XXXX corporations remove now or pay fines! 
They are also stating there are late payments as well this information is inaccurate 15 U.S. Code 6801 - Protection of nonpublic personal information. 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.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you were seriously harmedsay, the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsyou might consider filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX checked my credit when I told their agent that my credit is locked. Somehow a letter came back to me saying I have to much credit. My question is why did equifax open a locked credit report and then come back to me and said improper use of your report. This time instead of running around the issue I want to know what equifax is going to do about it. I don't want to get into litigation but what use is it to have a locked report that anyone can use.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 reporting containing any of the following items of information, any other adverse items of information other than records of convicted crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any other information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the 5 business day time frame of reporting the debt on XX/XX/2017. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX
Product: Debt collection

All documentation was sent to show payments for each EOB from my XXXX insurance provider. XXXX XXXX XXXX was trying to bill amount outside of contracted agreement with XXXX. 
XXXX representative informed me that this was illegal, per the contract agreement and my obligations were met. 
This information was provided to the Bureau Medical Economics who received all receipts of these transactions, but keeps sending harassing phone calls and notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy is 10 years old.I disputed to have removed from XXXX.They say they removed it but it still shows on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

My Consolidation loan was increased from {$10000.00} to {$13.00} My unsubsidized loan which originated at {$10000.00} in 2006 has almost double to {$16.00}, XXXX My PLUS loan that originated at {$9000.00} in 2006 was DOUBLED to {$18000.00}
Product: Debt collection

Someone open a XXXX account in my name that lived in Washington DC. Southwest Credit is trying to collect {$330.00} from me for an overdue bill. I received a letter from Southwest Credit on XX/XX/2022, informing me to file a fraud claim, I informed them that I never lived in Washington , DC., and this is not my bill.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorizing, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX : {$370000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts have been reported to my credit file that I have No knowledge of nor have I received any goods or services from these fraudulent accounts and Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Equifax ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Equifax ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Equifax ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Equifax ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery, called the CEO and the Chief Technology Officer of my employer. XXXX of these company leaders are based in XXXX and in separate offices, identifying herself as being from Performant and asked whether I was working. XXXX officers informed the caller such calls were not allowed at work and that the caller should make any calls on a non-work number ( i.e. a personal number ). 

On XXXX XXXX, XX/XX/2015, a caller who identified herself as XXXX XXXX from Performant Recovery XXXX called the New Hampshire office of my company. In the XXXX of the XXXX calls, she left a detailed phone message with the office that included identifying herself as a debt collector. A XXXX call was made from this number XXXX hours later, XXXX. 

Prior to the XXXX XXXX violations, repeated hang-up calls have been made to the New Hampshire office of my employer from XXXX. In several instances, a XXXX telephone number, XXXX, has also made hang-up calls to the New Hampshire office of my employer moments later after the XXXX hang-up calls from the phone number ending in XXXX. 

Since the XXXX XXXX violation, robo and/or hang-up calls from the XXXX have been coming in daily ( including Saturdays now XXXX to the New Hampshire office of my company. 

Note : on XXXX XXXX, I mailed notice to Performant via certified mail with return receipt requested to 1. demand they stop calling my place of employment and 2. put them on notice they have violated FDCPA plus similar consumer protection laws in Massachusetts and New Hampshire XXXX 

I mailed a copy of my letter to Performant to the Federal Trade Commission Bureau of Consumer Protection office XXXX XXXX XXXX XXXX XXXX as well as mailed copies to the appropriate enforcement agencies in Massachusetts and New Hampshire.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND SAW SOME DISCREPANCIES. IT'S THE UNAUTHORIZED INQUIRIES THAT I DO NOT RECOGNIZE. PLEASE CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a fraud/identity theft report with the FTC XX/XX/XXXX and also sent the credit bureaus a copy of this report as well as a dispute letter with the disputed inaccurate accounts attached with my social and identification card on XX/XX/XXXX. I was informed by the FTC to put a freeze on accounts as I did so as well, the bureaus is still reporting these felonious accts.. 
1. XXXX XXXX acct # XXXX.. 
2. XXXX/XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 
4. XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXGET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. ( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, EQUIFAX, AND XXXX. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE. ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION. ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. XXXX, EQUIFAX, XXXX, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, AND XXXX  ACCOUNT # XXXX. FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, EQUIFAX, XXXX, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX  ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the  creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report Should they continue in this course of action, I plan to take legal action but I want to create a paper trail. 

INQUIRIES XXXX XXXX I XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XX/XX/XXXX {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is ( was ) perfect until I co-signed a car this summer for my son. I am trying to file an explanation on the 3 credit reporting companies. The other two worked fine. EQUIFAX ( https : //www.ai.equifax.com/ ) provides a link to file your information on the credit report. The link, however, does not work for me. I have tried the link on two laptops and a tablet. It will not load. This tells me that Equifax does not care about individual credit accuracy where the other two do.

I have waited over 30 minutes and tried to load the page 3 times. I