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 XXXX  XXXX : # XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX, has violated my rights. 


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

so I had 2 offers on both my capital one cards one ending in XXXX and one in ending in XXXX and they both had an offer for direct tv to get 50.00 statement credits back on both accounts one 50.00 credit for each so I did everything I was supposed to do to get those credits back and know capital one its going to take XXXX months to get these statement credits back I am very upset and it should take this long there customer service is horrible and you can ever get a hold of someone above a supervisor on the phone I have emailed that cooperate offices about this many executives and no one ever responds to my emails what kind of XXXX customer service is this all you do is get the same runaround all I want is my 50.00 statement credit s on both of my account s and they make it like an act of congress
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Vehicle loan or lease

XX/XX/year> XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00}
Product: Credit card

An unknown individual place an application with chase credit. I reached out to chase bank, and they said I should receive a letter stating that.
Product: Money transfers

When Paypal took over Bill Me Later, I was not notified and they let me charge XXXX dollars over my limit without ever notifying me the account was taken over by them and I had gone over my limit. When I found out, and I can not remember when or how, someone had already stolen XXXX dollars from my checking acct. That was refunded but they refused to do anything about the overage of credit. The reputable credit card companies would not let have let you do this. Paypal paid the other fraudulent charges also and they even sounded fraudulent ( which was the thing ) .When I complained, about the credit they had given me without my knowledge they closed he virtual account, and now I have no access to any documents to either Bill Me later Or Paypal. to know when this happened and how much and when I went over. Now I am paying thousands of dollars of interest on goods purchased that I can not send back.. I am also XXXX after 34 years and will have difficulty paying back. They called this am and told me I did no pay last month 's bill which I have been paying them over the phone. I will check on that so I paid up through XXXX. If I check my statement and I have paid it, I will complain about that. It would not be impossible to have missed it due to XXXX but I again told them I did n't get my statement. It really made angry. I believe they are dishonest.
Product: Credit card or prepaid card

The bank is closed and XXXX  a impersonator pretending to be customer support
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an XXXX XXXX on XX/XX/XXXX. I treated for this injury from XX/XX/XXXX until early XX/XX/XXXX at XXXX XXXX and I was under a letter of Protection. I should not have been billed for these services but I have been continuously billed for them.
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 practice, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Checking or savings account

Hello. I literally came into a branch on XX/XX/XXXX and spoke with someone about making sure my account didnt get closed. I called customer service and they said the account never got unlocked. So now Im here waiting 5 days for my paycheck to get deposited into my account because of Wells Fargo XXXX up. I need my money and I had called wells Fargo 2 times Wednesday XX/XX/23 at XXXX and then at XXXX to find out where my check was. I now I have to wait XXXX more days to receive my paycheck because again of Wells Fargo XXXX up. This is complete XXXX! I called and spoke with a XXXX of customer service XXXX  and she started cursing me out. Saying I never called, Im just lying then why do you guys record your calls? Because you can go back and check them! XXXX XXXX and I cant go longer without my paycheck! And Im not paying the overdraft fees in my account because of you guys XXXX up! I had already asked about getting them waived and I was told yes and then all of a sudden no. I shouldnt have to wait this long for my paycheck!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. As a victim of a data breach, I did not authorize the following accounts or inquiries, and they were added to my credit file without my knowledge or consent. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these items be investigated and removed promptly. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX Balance : {$26000.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX Balance : {$2500.00} Fraudulent Inquiry : XXXX. XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BANKRUPTCY # 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 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: Debt collection

National Credit System contacted me in XX/XX/year>, via phone, regarding a debt. I advised the representative that I was currently in Bankruptcy. I provided my case number and attorney 's information and she hung up on me. My Bankruptcy was discharged on XX/XX/year>. As soon as my bankruptcy was discharged, Nation Credit System reported this debt to all credit bureaus. This is a discharged debt. I am no longer responsible for it. I also advised the original creditor, The Guarantors, about the bankruptcy in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.If you do not take action and comply with my request, I will have no choice but take legal action against you!
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of FCRA VIOLATION OF METRO 2 COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # 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 # XXXXXXXX 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 A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0
Product: Credit reporting or other personal consumer reports

Consumer Name : Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 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, credit repair services, or other personal consumer reports

Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

Transunion : XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This company took over the original lenders balance. I was never told who or anything until just recently. I was told by original lender they was selling the property because it was in foreclosure. They never reported it to be in foreclosure on my credit report all this time and instead have continued to say I am missing payments every month for several years now which is not true. I was told they was selling the property because it was in foreclosure. Have not received any paperwork from them either but they are extremely damaging my credit hen I have not been kept in the loop for years now. I have not lived on said property for over 5 years. I saw in local newspaper last year that the property was on the auction block and till never heard anything on this. Not even an update. They are saying I owe over XXXX now with all the additional charges they added after they took the loan over but I was never informed of that either. When they bought the loan from original lender it was in foreclosure, not they are ruining my credit.
Product: Bank account or service

Opened an account with PNC for its {$300.00} promotion for Opening a new Virtual Wallet with XXXX and fulfilled the promotion requirements. It 's been XXXX months and have not yet receive the promotion bonus, which is longer than the terms of conditions stated. 
Promotion link : XXXX? WT.mc_id=LP16_PNC_0005 & m=w
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act states that it is EQUIFAX 's grave duty and responsibility to report correct and accurate information on my credit report and file. However, they are NOT doing so. EQUIFAX is reporting inaccurate late payments for the XXXX XXXX XXXX  XXXX account ending in XXXX. These inaccurate late payment include XXXX days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to XXXX U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EQUIFAX written instructionXXXX permission to furnish the late payments on my credit report or file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX- Account Number- XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number- XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX, XXXX XXXX - Account Number- XXXX, XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX  Acts Has Violated My Rights 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: Money transfer, virtual currency, or money service

I am writing to report an online scam that occurred in XX/XX/year>. I purchased a pair of shoes from an individual online and sent a payment of {$5000.00} via Zelle. After I sent the money, the individual blocked me and ceased all communication. I never received the shoes or a refund. 

I contacted XXXX XXXX XXXX multiple times to resolve the issue. They initially stated they would contact the recipient, but I never received any further assistance or resolution from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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  gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous complaints though CFPB and disputes letters regarding this situation and Experian has done little to nothing to resolve this matter. My first complaint to CFPB following date is XX/XX/2019 complaint number is XXXX and Experian responded back to this complaint that they will send me a copy of my credit report and for me to send in information to dispute this matter which I have already done more than four times. Then XX/XX/2019 I sent another complaint through CFPB the complaint number is XXXX and I was told the company needs authorization from me and no further details was listed. My complaint included three different companies reporting on my credit report fraudulently and all Experian responded back was company needed authorization no further details about which company needed authorization. I also sent disputes to Experian following dates areXX/XX/2019- XX/XX/2019- XX/XX/2019 - XX/XX/2019 - XX/XX/2019 and neither time Experian responded back to me and told me the company needed authorization in reply to the previous disputes ; neither is experian being clear about which company needed authorization. Why haven't I been told this information? Also this dispute has been well over 30 days. I've submitted a police report, driver license, bank statement, and a sign notarize affidavit to experian also.
Product: Credit card

I been waiting to hear from Apple/Goldman Sachs in regards to my settlement. The settlement was supposed to be half of my credit card balance. I never heard back from the company on what the balance would be and they continue to charge me balance interest. I am trying to figure out what is the plan
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, I have sent in excess of 4 certified letters and submitted several online disputes requesting that the credit reporting agency present validation of the bankruptcy listed on my report. Over the last 2+ years I have not received the requested information. My request is valid according to the FCRA and I should have received the requested documentation by this point. My credit report is continuously updated with the statement that the bankruptcy has been verified. 

The agency also has not provided the method of verification in accordance with Section 611 XXXX a ) ( 7 ) of the FCRA. XXXX is prohibited from reporting information concerning my file, so the agency could not have verified the bankruptcy this way. I have also attached documentation from the court that indicates they do not provide information to credit reporting agencies, so I am further befuddled as to the methodology employed to validate the bankruptcy. 

If this negative item is not removed I will be filing suit pursuant to Sections 616 and 617 of the FCRA to pursue remedy for the effects of this adverse reporting.