23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : 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 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: Prepaid card

Im supposed to have {$620.00} in my XXXX XXXX account but XXXX XXXX people are not being helpful on transferring my money into my card ending in XXXX because I have recently received a refund from XXXX and XXXX XXXX had temporarily activated my old debt card ending in XXXX but now that I got the refund back to that card they deactivated and only kept my current card I use activated but now the funds are not in my XXXX XXXX account its missing so I need them to transfer the funds but theyre taking too long to respond and do anything about it
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE OR PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, account payment history and a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit card or prepaid card

I spoke with customer service on several occasions regarding my balance not going down enough for the money I've been paying. I did three balance transfers in XXXX of XXXX totaling {$8500.00} to a balance of {$4500.00}, beginning the total around {$16000.00} and something including the balance transfer fees. I have paid a total of {$8100.00} from XX/XX/XXXX to XX/XX/XXXX and my balance is just at {$13000.00}. I have a couple of recurring bills that are added every month but that only totals {$190.00}, and has since been reduced to $ 117 monthly. The last statement from XXXX states I have paid {$340.00} in fees, which I am thinking is the transfer fees and {$1000.00} in interest. Those two totals are {$1400.00}, so if I paid $ XXXX $ XXXX {$6700.00}, where did the rest of my money go because my balance is not going down hardly any. I paid {$1000.00} every month for five months, {$850.00}, {$700.00}, {$500.00} two or three times and it did not even put a dent in the balance. Chase has been taking my money, stealing it. I am contacting the BBB also to make a complaint. The interest rate is 14.99 % for regular purchasing and the balance transfers is on a promotion until XX/XX/XXXX. So, the credit card company says they put money towards the minimum balance which was only be {$220.00} which is for the promotional balance, part went to interest, which is usually around {$90.00} a month. Then a piece also goes to the regular balance, but yet both balances are only {$1000.00} or so below the original balances. Can I please have some help, I can not afford to keep paying money to them and nothing is helping my balance. I made two payments this month to see how it would help and it went down slightly. I can be reached at XXXX XXXX XXXX XXXX with any questions or by seem email XXXX. Thank you for your attention to this matter.
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Credit reporting

XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, TransUnion, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion numerous letters from XXXX Bankruptcy Court to remove Bankruptcy in eeror because the courts made a mistake of mistaken identity Transunion have received letters about the bankruptcy in my name that was wrong. Transunion never removed Bankrupts and didnt care to remove it i have called numerous times and was talk to very disrespectful
Product: Credit reporting, credit repair services, 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$19000.00} Consider this as my follow-up complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent credit card accounts currently listed on my XXXX and Experian credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX, Minnesota. Theres no bankruptcy records on my XXXX XXXX Consumer Report, the third party company/vendor Experian and XXXX use to get public record information. I have sent documentation from XXXX XXXX to Experian and XXXX for proof the public record is not my public record, but Experian and XXXX continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX Consumer Report. The following credit inquiries currently listed on my XXXX credit report are fraudulent credit inquiries : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota Attorney General, XXXX XXXX, United States Attorney General, and XXXX XXXX, XXXX of the United States of America to look into this matter as well.
Product: Debt collection

The Collection agence Keep saying I owe them I have all ready payed XXXX XXXX The full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

I had my card shut off and contacted the company. I was told my payments would only be {$55.00} a month and had been paying roughly $ 75 monthly just to help pay a little extra. I started getting letters saying my payment was falling behind and that my minimum payment was {$140.00} which was not the agreement. I then tried several times to contact Capital One and when I spoke to customer service, they were very disrespecful and accused me of lying to them and giving false information. I was told the account number I was providing is not in the system yet I keep getting letters saying I 'm behind on my payments with that account number. I contacted the complaint department that is listed with the company on this site just to receive XXXX messages to call them. I since have called numerous times and never can reach anyone. I have even left a message asking to call me back with no such luck. And now its going against my credit. I have filed with the XXXX and they did n't really help and said with no documentation they could n't do anything even though everything was on a recorded line. 

I have since been in constant contact with Capital one attempting to do everything on my part to get the issue resolved. I have the names, dates and times of everyone I have spoken with. XXXX XXXX ( spelling? ) Is who I have XXXX been in the most contact with. After a month and a half of calls back and forth and being told to make payments he later told me that no matter what I pay my balance would increase and there is nothing they will do to help. 

Also on the photo I uploaded. It only shows online payments made and will not show payments mailed in or made over the phone.
Product: Debt collection

Collection was placed on my credit report. Contacted reporting agencies to dispute information. Sent a debt validation directly to the reporting agency but no response. Reporting agencies did not resolve the issue. I was a victim of identity theft within the last 7 years and this might have been a residual effect.
Product: Credit card

I am filing a complaint against American Express regarding the denial of two business credit card applications I submitted on XX/XX/year> for the American Express XXXX XXXX XXXX. The applications were for two separate businesses, XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX and XXXX XXXX, for which I provided valid EIN numbers. However, I was compelled to provide my personal Social Security number with the explanation that it would be used only to verify my identity, not to run my credit. 

This action violated Social Security Act, Section 1107 [ 42 U.S.C. 1307 ], 42 U.S.C. 405, and 42 U.S.C. 408. After having a CUSIP audit performed, I discovered that my Social Security number was used improperly, appearing on XXXX with a CUSIP number associated with American Express. When I requested copies of my applications, the agent informed me they could not send them, so I asked for the applications to be destroyed. Despite this, it appears my applications were traded, which suggests a serious violation of my rights. 

At the time of my applications, I was unaware of the relevant consumer protection laws, but I believe that American Express, as a sophisticated entity, took advantage of my lack of knowledge. This misuse of my personal and business information, coupled with the denial of both applications, constitutes fraud and exploitation of my businesses and myself. 

I am seeking appropriate remedies for these violations and request a prompt investigation into this matter.
Product: Checking or savings account

Navy federal overdraft fees missing funds from my account by navy federal
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.
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 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

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 XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts : XXXX XXXX  -- XXXX XXXX  -- XXXX. 
XXXX XXXX XXXX  -- XXXX XXXX  -- XXXX XXXX  -- XXXX XXXX XXXX -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information. 15 U.S. Code 6802 : Obligations regarding the disclosure of personal information. 15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

In accordance with the fair credit reporting act Capital One account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Credit company was notified of late payments due to unforeseen circumstances during the months of XXXX and XX/XX/2019.