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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report with the following company inquiry on my report without prior authorization from me for credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries on my Credit Report. XXXX XXXX  on XX/XX/XXXX, XXXX 's XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In short the company 's took more than 30 to comply with FCRA standards and there are multiple inaccuracies on my report alone with fraud which I completed FTC reports for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXXXXXX XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported an open credit card payment late on XXXX and XX/XX/XXXX and XXXX, XXXX of XXXX. 

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under, 15 U.S.Code 1681a Section 602 states I have the right to privacy 15USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.
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 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 card or prepaid card

For weeks I have been trying to update my phone number but it keeps wanting to send a text to my old number. Just recently I moved and got the same issue when trying to update my address. So I called customer service for help. I moved out of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida on XX/XX/2020. I have tried twice to change my phone and once with my address to my new address and number but both requests were denied citing I have to provide a request in writing or record a video to prove my identity to manage my account. Its the end of the month and this error could be the reason of fraud. I shouldnt have to send a letter when I move. Thats absurd when I have a XXXX XXXX and its imperative the correct address is reflected when Im trying to conduct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX. 

15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2018 I received a receipt from a collection agency Arbor Professional Solutions. They reflect in the receipt the initial balance of {$1000.00} and the current balance as XXXX. They also sent the same information to XXXX  and XXXX   however they refused to report the balance was paid in full and the account is closed. They are acting as a lender and not a collection agency. They are refusing to report account was paid in full and the account is closed. I reported to both credit reporting bureaus and filed disputes but the disputes have been unfruitful in closing out the problem.
Product: Debt collection

All of my credit card debt has a last payment date of XX/XX/2011. That is more than the 4 years time limit for debt collection that is allowed in my state of California.
Product: Credit reporting or other personal consumer reports

TIS CREDIT COMPANY IS REPORTING A FEE ALMOST {$10000.00} FROM OWING 2 MONTHS RENT HOW ARE THEY ALLOWED TO REPORT ANY AMOUNT THEY WANT AND THIS STAYS ON MY CREDIT THAT FRAUD. WHEN I REACHED OUT THEY GAVE ME ANOTHER AMOUNT OF {$6000.00} XXXX DONT UNDERSTAND HOW THIS IS LEGAL RENT SHOULD NOT BE REPORTED ON OUR CREDIT IF THEY CAN REPORT ANY XXXX AMOUNT THATS FRAUD!!! AND I HAVE TO DEAL WITH WHATEVER THEY SAY THAT NOT FAIR OR FAIR HOUSING ... CAN YOU REMOVE THIS FROM MY BACKGROUND AND CREDIT ITS A LIE I WILL ATTACH PROOF. THEY DONT EVEN HAVE MY CORRECT NAME JUST USING ANY INFORMATION THEY WANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Product: Credit card or prepaid card

My complaint should not have been closed and I am asking that it be reopened since Capital One Banks response is not acceptable. There was no fraud on my Credit Card account, I closed my account due to not wanting to deal with Capital Ones customer service in XXXX or the XXXX. It is not my responsibility to provide my drivers license to this bank to get my money from them. This is clearly a case of fraud being perpetuated by Capital one Bank. 



I had a Capital One Bank Credit Card which I closed out in XXXX of 2021. There is a credit balance on the card Of {$54.00} I was told would be mailed to me in the form of a check. It has now been almost six months and Capital One has refused to send me the balance claiming there is a restriction on my closed credit card account.
Product: Credit card or prepaid card

In early XXXX I called Capital One to discuss an upgrade from Venture to Venture X. I also asked about getting a new Venture X account and was told I was not eligible- that turned out not to be true. The disclosures read to me did not indicate I could not go back to Venture. That same day, I found out I could apply for a new account, and did so and was approved for Venture X. I immediately called capital one and asked how to go back to my old card. I was told I would have to wait for the new card to come and I would get instructions there. No such instructions came with the new card. I did not and have never activated the new card. Around XX/XX/XXXX I received a letter from capital one asking me to call if I didnt want to incur the {$390.00} annual fee. I called XX/XX/XXXX and was told I can not go back to my old card the only option was a card I do not want or a card I already have. This information given in XXXX was not only inaccurate but misleading. I am under the impression Capital one changed its terms since I applied for the Venture X or hadnt developed the terms yet but I should not be subject to their mistake! This is a classic bait and switch
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 XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Address Error : Never my address XXXX XXXX XXXX XXXX XXXX NC 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 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: Mortgage

Around XX/XX/XXXX I received a letter in the mail from my Mortgage company stating my XXXX payment was short some {$300.00}. I promptly called them to ask why my fixed mortgage payment was suddenly short and the response was they felt my escrow account would be short and it needed to be adjusted. I asked for an accounting of how they got to the numbers they were quoting since no tax assessment had been made since I moved in to my property in only XX/XX/2020. I also indicated that I paid my own home owners insurance and it should not be factored into their escrow accounting. After spending about 45 minutes on hold, I was told to prepare an e-mail on their web portal and provide documentation of the home owners insurance payment. I did this and received no notification or follow up to how or what the new escrow amount would be. I continued to make my XXXX and XXXX mortgage payments without issue until this morning when I was notified by my bank that my XXXX payment would be returned from my mortgage company. I am currently back on the phone with them asking why I can not be notified of the current escrow account balance and what the new balance should be. I also want to know why they are returning my XXXX mortgage payment without notice. 
Since AmeriHome Mortgage has taken over my account, they have been unhelpful, uncommunicative and most importantly dangerous to my credit and good name. If this results in a negative report on my credit I hope there is something you can do to put them on notice.
Product: Credit reporting or other personal consumer reports

Could you remove these inquiries? I lack knowledge about them, and the company initiated them without my consent.
Product: Checking or savings account

I received a text message from XXXX saying it was my bank Bank of America and they were asking if I made a transaction in XXXX Texas at a XXXX I texted back no then they said I will receive a call from XXXX which is my banks number I checked the back of my debit card and googled it. So I assumed it was legit. They asked if I had made the transactions at XXXX and a gas station in XXXX Texas I said no then they asked if I knew anyone in Texas I said no. Then they said there was a pending transaction through XXXX for XXXX to someone in Texas I said I didnt do that so they said in order for me to get the money back I would have to send it to my name and I believe them and did it. Then I couldnt hear anyone anymore so I hung up and called the same number back and Bank of America denied ever calling me stating it wasnt them..I had gotten scammed. I think it was my bank stealing the money because it was their phone number I have the phone call log when they called me.
Product: Checking or savings account

I logged into my HSBC online banking account on XXXX. After the bank verified my identify via text message to my phone, they came back with an error message asking me to chat with one of their customer service reps. 

The rep informed me that they had transferred my account to XXXX XXXX  in XXXX. It was the first I had heard of this. HSBC had sent regular monthly emails to my email address through XXXX informing me that my e-statements were available to view. At no time did they inform me by email or phone that my accounts would be moved to XXXXXXXX XXXX. The customer service rep simply gave me an XXXX number to call XXXX XXXX  if I wanted more information. 

I expressed my incredulity that HSBC had done this without notifying me. Upon further investigation, the customer rep informed me that HSBC had actually closed my accounts and sent my checking and savings account balances to the State of California as unclaimed funds. Again, at no time did HSBC contact me via my email address or my phone, both of which they had on file and were still current in their systems. I had moved my physical address within XXXX XXXX XXXX, California several years ago. The rep claimed that HSBC may have sent mail to me at my old address, in spite of the fact that HSBC had encouraged me to shift to e-statements and e-banking instead of physical mail. 

The fact that HSBC can unilaterally close or transfer accounts with minimal or no effort to notify their customers is frankly unbelievable to me. I am now in the process of attempting to reclaim my funds from the State of California.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthmore thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vervent is report a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt is still reporting on there but I have received letters stating this debt isn't owed and that they would be removing all negative information from my credit file. This account however, continues to report on my credit. This must be removed immediately.
Product: Checking or savings account

I sent two {$200.00} amount from my XXXX  XXXX account to my XXXX XXXX. The money got withdrawn from my XXXX  XXXX account. It never was deposited to my regions account. XXXX  XXXX  sent an email stating the money was rejected and being sent back to XXXX  XXXX. However, XXXX XXXX still has not got the money back. Its been sent to that other account in the past and even the same day with no issues, However today was something majorly wrong. Im including screenshots of the transaction id and email from XXXX XXXX regarding this error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated federally protected rights to privacy and confidentiality under U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information i have never live at these addresses 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.
Product: Debt collection

XX/XX/2020. 

Process server trespassed into the apartment building. Came in behind one of my neighbors and knocked on my door and left legal papers outside my door. The process server did not identify himself and was harassing my neighbor asking them more information about me.