23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I need help i have contacted everyone possible from the credit reporting agencies to This company MEDICAL BUSINESS BUREA that say i owe a debt from someone named XXXX XXXX XXXX which is a violation on so many different levels. 1 I asked them to verify the date to me more than 30 days ago and i've heard or received nothing from them. 2. The violated the Fair Debt Collections Act 1692g since they have never even contacted me once and gave e a chance to dispute the information. They just put it on my credit report causing me stress and damaging my character. If they don't stop reporting this false information i will be forced to litigate for the Civil liabilities section 15 united states code 1692k. Everyone is ignoring my requests they are giving me now choice. They also have violated 15 usc 1681 ( i ), 15 usc 1681a ( 1 ) and 1681 ( a ) ( 4 ) just a bunch of violations that i can use if this stuff is not fixed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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
Product: Student loan

Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Weltman , Weinberg & Reis collections. They have been calling my parents house everyday since last week. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
Product: Credit card or prepaid card

Throughout the years I have made payments with all my credit cards and they have always first paid the highest interest rate balance first and then if any money was left from the payment, the bank would pay it toward the rest. I did a balance transfer payment to my Wells Fargo signature credit card on XX/XX/XXXX for an amount of {$7500.00}. I had made other payments that month one for the minimum and another just to round up my balance, {$250.00} and {$150.00}. The additional {$7500.00} was supposed to pay off my purchasing balance ( whatever I had bought that month ) and a portion of a promotional rate ( with a balance of {$6300.00} ) which was expiring that month ( expiring XX/XX/XXXX ) into regular rate. I had just obtained another promotional rate from Wells Fargo which was 0 % until XX/XX/XXXX in the amount of {$5000.00}. What Wells Fargo did was, they took the {$7500.00} and divided it into 3 and paid it toward 1 ) {$1500.00} toward Purchasing balance 2 ) {$3300.00} into the promotional rate balance that was expiring XX/XX/XXXX leaving me {$2900.00} of {$6300.00}. 3 ) {$2700.00} of the {$7500.00} was applied toward the promotional balance of {$5000.00} at 0 % that will expire on XX/XX/XXXX leaving a {$2300.00} balance. I called Wells Fargos Credit card customer service line and they said it shouldnt have been applied that way and they will try to fix it. They said that they will make an exception and send the money back to my savings instead of sending it back to the Credit card which I did the balance transfer from so that I can remake the payments so they would apply the balance to the lower interest rate. This never happened and I called back. They told me their colleagues gave me the wrong information, they cant do that, actually they cant do anything. They told me to file a complaint with them, so, I did and the investigator sent me an email and said they did the right thing and they cant change it. I am so frustrated because none of my credit cards including Wells Fargo have ever done this to me. I always pay down or off high interest credit cards and this is the first time they divided it and applied one third of the payment towards a 0 % rate. I am brining this to your attention because I dont think this is in the best interest of any consumer to experience what happened to me. I would like to know if there would be anything your agency could do to raise awareness and make this right.
Product: Credit card or prepaid card

In XX/XX/2023, my estranged husband opened a credit card through First National Bank of Omaha ( FNBO ) for a store called XXXX with a credit limit of {$6800.00} and he applied for a personal loan in the amount of {$5500.00} with the same bank using my personal information without my permission. 

I contacted FNBO and had the card canceled. And was told about the personal loan which I stated was also not applied for by me. I asked for whatever records they had showing that my husband did this so that I could press charges. They told me I needed a subpoena to get that information. I believed them until I put a fraud alert on my credit and received confirmation in the mail by XXXX. Also, listed on that confirmation letter were my rights as an identity theft victim under the Fair Credit Reporting Act ( FCRA ). 
I then called FNBO again to ask them what I needed to send for them to release the records and was told again that I needed a subpoena. When I stated that wasn't true, I was told someone from their fraud department would call me back. After waiting several days and not getting a call, I contacted them again and was told the person who handled these issues was out of the office for a few days and would call be back. Of course nobody ever called me. 
So, I researched what I needed to do in order to obtain the records. I filed a report with the Federal Trade Commission ( FTC ), I filed a police report, I filled out an identity theft affidavit, I wrote a letter asking for the records, I enclosed a copy of the FCRA that stated my rights as a victim of identity theft, I also enclosed a copy of the FTC report, the police report number, proof of identity and proof of address. I sent everything to FNBO by certified mail and was notified that they received it on XX/XX/2023. Under the FCRA, they had 30 days to send me what I asked for without charge so I waited until XX/XX/2023, but hadn't received anything. So, on XX/XX/XXXX, I called them again, but this time, I recorded the conversation where I was told the records would be sent and I would receive them in 5 - 10 business days. 
It is now XX/XX/2023, more than 30 days overdue and I still have nothing from FNBO. 
I need these records in order to press charges, but I have hit a brick wall with this bank and I don't know what my next step should be, and that's why I am contacting the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit i see i have fraudulent accounts on report. i reach out to have problem fixed but didn't get any help
Product: Debt collection

Capital  One Auto Finance has  been receiving verification of late payments on a closed  XXXX   XXXX   XXXX . Account closed in  XXXX . I have given repeated lette rs to Capital One on  the verification in writing my payment history.    XXXX   XXXX ,  XXXX  I submitted a written notice of legal action due to the repeated request of written verification. I received a called on  XXXX   XXXX ,  XXXX  from  a Capital One Finance R epresentative stating that he will research.   Yesterday on  XXXX   XXXX ,  XXXX  I received a ca ll from Capital One Finance stating  that the payment history is correct. I asked will I get a written verification of my payment history it was denied. The representative stated that a letter was written stating that his team research was correct not payment history to be verified. I have never debt verification of my payment account history. Per FCRA rights they have to release late reporting on my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX unauthorized inquiries on my Experian Report. They are for XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.
Product: Credit reporting or other personal consumer reports

Contacted XXXX and TransUnion in regards to the validity of the bankruptcy associated with my credit report. This information is not accurate. There is a Bankruptcy report and accounts associated with the bankruptcy that need to be removed, due to the Creditor not complying with the law on how this was shared to my creditor. I have enclosed proof through XXXX XXXX that this information is not in my file for my credit. I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Transunion and XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at BANK XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and an business loan account opened at US SMALL BUSINESS ADMINS on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 US 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

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my XXXX credit report on XX/XX/year> noticed some thing are incomplete not accurate .and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 use 1681 ( e ) ( B ). and according to 15 use 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) IN general after reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these companies to run a hard inquiry on my credit report and would like it to be removed.
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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXXXXXX XXXX XXXX Balance Owed : {$96.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against EQUIFAX regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last XXXX XXXX XXXX XXXX Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence.

Thank you for your attention to this matter, and I look forward to your prompt response. 
Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want XXXX, XXXX and Equifax to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

1. XXXX XXXX XXXX - Account # : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX 3XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX 4. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - Account # : XXXX 5. XXXX XXXX XXXXXXXX - Account # : XXXX 6. XXXX - Account # : XXXX 7. XXXX XXXX - Account # : XXXX
Product: Checking or savings account

Before XX/XX/year>, I was not even a customer of key bank. 

On XX/XX/year>, I was advertised that I could earn XXXX $ for opening a new checking account after direct depositing XXXX $ within 3 months. And I could earn XXXX $ for opening a new savings account after bringing XXXX $ new money and keep for 3 months. Therefore, I visited the local branch located at XXXX XXXX XXXX WA XXXX and opened XXXX XXXX  checking account and XXXX XXXX XXXX  savings account. 

After that, I direct deposited XXXX $ payroll into my XXXX  checking account. For the savings account, I realized I did not have XXXX $ in hands so I visited the local branch located at XXXX XXXX XXXX WA XXXX again and closed my savings account. I double checked with the banker that since the account was so new I could still open a new savings account in the future after I have XXXX $ in hands. And I would still be eligible for the XXXX $ bonus. 

On XX/XX/year>, after earning XXXX XXXX I visited the local branch located at XXXX XXXX XXXX WA XXXX to open the savings account. The banker helped me to open a new XXXX XXXX savings account and confirmed he inputted promo code to the savings account. After that, he advertised me to open a select checking account. I declined but he said I could earn XXXX $ bonus every year after direct depositing XXXX $ per month. I then agreed to open the select checking account. He suggested me to close my smart checking account because I won't need XXXX checking accounts. I asked him to make sure I would have promotion bonus associated with the select checking account and agreed to close my smart checking account. 

After that, I direct deposited more than XXXX $ per month into my select checking account and transferred XXXX $ into my money market savings account. 

I called the banker several times to make sure I was eligible for promotion bonus for both of my accounts. He asked me to rest assured and just wait until 3 months has been passed. 

On XX/XX/year>, I chatted with an agent in the mobile app and asked for my bonus status. She checked and then told me I was unqualified for the XXXX $ bonus for my checking account but I was qualified for the XXXX $ bonus for my savings account. I told her this was unfair. She then asked me to contact my banker. 

On XX/XX/year>, I called my banker and the banker told me unfortunately I was ineligible for any of the promotion bonus. I was astonished. I have been waiting for the XXXX $ for half a year. The reason they gave me was that I was not a new customer when I opened these XXXX accounts. 

I did everything the banker asked me to do and then I got nothing. The banker admitted there was some miscommunication but it is not my fault. I just want the bonus.
Product: Credit reporting or other personal consumer reports

I am filing against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. sec 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. sec 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card pull my credit file without my knowledge nor my approval. I spoke to them once I received an alert through my Experian account that an inquiry was on my file. They ensured me that the alert will be removed and that they will contact the proper credit agency to assist in the removal. As of now the inquiry is still showing on my file. I have a fraud alert on my credit to connect me if anyone initiate an inquiry for credit. No one called before pulling my credit.
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 XXXX XXXXXXXX, 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 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.