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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of 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. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. Also, pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly 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 yearsXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX is reporting these items ( EXHIBIT A ) without my consent and in violation of their own privacy policy. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, XXXX, EXPERIAN and XXXX are in violation of this. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you verbal/nonverbal/written/ and/or otherwise expressed. I am now rescinding the authorization per 15 U.S. Code 6802 and 12 CFR 1016.7 effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this day Goldman Sachs Bank USA remains unjustified on my credit report..In XXXX I file a FTC Identity theft report and police report and account was removed..However, as of XX/XX/XXXX it has reappeared on my credit report after 4 years..I contacted the 3 credit reporting agencies XXXX, XXXX, and XXXX was told this company reinserted there name on my credit file in the amount of XXXXThis company continues to violate the Fair Credit Reporting Act and the fair debt collection practices Act related to Identity fraud..I have provided all necessary documents to clear my name back in XXXX and this account was deleted..Now it has been reinserted after 4 years..I am reaching out to the CFPB to protect me as a consumer from creditors such as Goldman Sachs who violate federal law without any repercussion..
Product: Credit reporting, credit repair services, or other personal consumer reports

There hard credit inquiries that I have not made showing up on my credit report. From the following lenders : XXXX XXXX XXXX  XXXX  CBNATH And also incorrect names showing up on my report for a XXXX XXXX. 

I have tried to get ahold of the lenders but I can not get ahold of any human representative only voice answering machines.
Product: Credit card or prepaid card

Dear sir/maam, The XXXX Credit card called XXXX card I had been using for a year. While I was using I noticed that my balance will never go down no matter what I pay because they keep adding nonstop every different kind of fees every single day to prevent you having your balance all paid. Then I was aware that I had to pay double or Triple of my original amount so I called the customer service ( which is very impossible to reach out and so rude and will not even talk ) closed my account. Then on XX/XX/XXXX th I paid the total amount where I made sure I owe nothing. However they keep sending me a bill {$480.00} and fees {$37.00} and not closed my accounts. When I call them they just hang up on me. So they are scamming me by showing the amount hasnt been paid and I havent closed the account. Last month I finally reached out someone and she told me she fixed it and I dont owe anything and account is closed. However this month of today I received an email says I have to make a payment and when I called them they hangup twice then they yelled at me and say its system error which I know its a lie and hang up on my face. Its a financial abuse and I dont know how to handle this issue anymore. So please help me on this issue and please dont hesitate to contact me if you need any further information. 


Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX To Whom it May Concern : On the morning of XX/XX/XXXX, I was informed by my mother that Fair Collections and Outsourcing ( FCO ) was trying to reach myself or my wife to collect a debt. The debt in question came from XXXX XXXX. We had previously rented a home from XXXX of XXXX through XXXX of XXXX. We have since bought and sold a home in XXXX and moved to XXXXXXXX XXXX  and have not had any correspondence with XXXX XXXX since XXXX of XXXX. 
We received a certified letter within the legally required 21 days claiming excessive damages, to which we disputed via certified letter and emails to the local office. We never heard back from XXXX XXXX after our dispute, not an email, not a single phone call, not a single letter. 
Given the time we moved out, we were flat out denied a move out inspection, citing an abundance of caution due to the COVID-19 pandemic. We raised our concerns about not having a move out inspection, yet they fell on deaf ears, as the standard COVID-19 excuse seemed to justify their actions. 
FCO now claims, that I owe a {$760.00} in damages, and the burden of proof lies with me and will not provide me documentation until they inform XXXX XXXX that we are disputing the charges. XXXX XXXX will then conduct an investigation on the dispute by revisiting the home in question. A home that my family has not lived in since XXXX of XXXX, a home that received new occupants in XXXX of XXXX. Further, FCO refuses to provide access to any documentation pertaining to the debt collection until XXXX XXXX approves the request.
Product: Credit reporting or other personal consumer reports

Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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.

The accounts below have violated my rights. Please delete the accounts below 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

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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently my credit report, and noticed that i have a account that is not reporting the correct information. I have a late payment on a account that was actually paid on time. However the consumer reporting agency need to report this account with complete accuracy. this account has not been late on payments. i have attached a record of my credit report on the following date XX/XX/scrub>/2024. i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verify i demand this account to be update it to paid on time immediately. thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX  {$5700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXX XXXX  {$4200.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Bank account or service

When I was out of town a woman stole XXXX checks of mine, filled them out and used them as payment for her bills. As soon as I found out I reported the theft to Bank of America. Bank of America is refusing to return the funds totaling {$530.00}. It was obvious to the Bank Manager whom I brought the theft to my attention ; that it was clearly not my handwriting nor my signature. In fact he pulled my signature card to verify. 

Please assist me in recovering my monies. 

Attached are the forged checks ( front/back ). Also there is a copy of a legitimate check, which I wrote and signed ( {$1500.00} ) so that you see the differences.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed Balance {$160.00} Balance updated XX/XX/XXXX XXXX  Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Balance {$940.00} XXXX  XXXX XXXX Account XXXX Balance {$450.00} Balance updated XX/XX/XXXX XXXX, XXXX Open account Date opened, XX/XX/XXXX balance {$1100.00} statusCollection account XXXX XXXX XXXX account number, XXXX, Status Charged off as bad debt Status updated XX/XX/XXXX, Balance {$31000.00} Balance updated XX/XX/XXXX. 

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at the accounts listed above.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 # ( private case number ) 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

I AM A VICTIM OF IDENTITY THEFT, SOMEONE ELSE IS FRAUDULENTLY OPENING CREDIT CARD ACCOUNTS IN MY NAME,
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed by certified letter on XX/XX/2020 and XX/XX/2020 to Transunion on account from XXXX XXXX XXXX to validate this account belongs to me by copies of documentation associated with this account bearing my signature. I told them twice i did not consent to e-Oscar or any other means of automated verification. 
Transunion has violated federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Transunion, XXXX XXXX XXXX  XXXX XXXX, TX did 4 HARD inquirys in less than 2 weeks. They did 3 in less than a week. This is obviously not correct. In fact, when I was getting approval for the auto loans I specifically ask and they specifically told me they would only have to do ONE hard inquiry. Plse help in this matter. 

Hard inquiry 1 XX/XX/XXXXHard inquiry 2 XX/XX/XXXX Hard inquiry 3XX/XX/XXXXHard inquiry 4XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS MISTAKENLY REPORTING A DUPLICATE ACCOUNT ON MY CREDIT. I ONLY HAVE XXXX XXXX CREDIT CARD BUT EXPERIAN IS REPORTING A DUPLICATE WITH A BALANCE OF {$2900.00}. THIS IS COMPLETELY FALSE AND NEEDS TO BE RECITIFED RIGHT AWAY.
Product: Credit card or prepaid card

I reached out to capital one to dispute late payment from my credit report. during covid season i was found XXXX  and constantly in shelter because of symptoms. more over my son was a high risk because he has XXXX. for that reason I was not able to make payments during the following dates 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/2021 XXXX
Product: Credit card

Went to access account around the end of XX/XX/year>. I saw account was closed. I called company they said I would be sent a letter why account would be closed and my reward forfeited. {$210.00} worth. I got letter dated XX/XX/year>. It's states reason as Payment and unusual purchase history on your credit account that XXXX deems may be indicative of future intention not to pay. I have never missed a payment and always make payments early. 
I have other accounts at this bank without ever missing a payment. Then I called and they had a meeting about this issue around XX/XX/year> I was notified it wasn't possible to reinstate this account. But that I could apply for a new one. Rewards gone!
Product: Debt collection

The XXXX XXXX XXXX XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Product: Student loan

On todays date i checked my credit score. Its says that my balance with Mohela has increased, which makes no sense because I have never missed a payment. I know my account was transferred recently ; I would like the marks on my credit removed. 

Also, I have not contacted Mohela about the problem because 1. I have better things to do with my time then waiting 4 hours on hold. 

2. None of reps can ever help anyways please address
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I initiated a transfer through XXXX to an individual claiming to be a XXXX  XXXX for an apartment I was interested in. This was for a total of {$3500.00}. Between XX/XX/XXXX and XX/XX/XXXX, I wired {$6500.00} to this same individual as a prepayment for 6 months rent. The individual was not a XXXX  XXXX and has run off with my money. I filed complaints with my bank, Wells Fargo, on XX/XX/XXXX regarding the money I sent. Because I authorized the send, they cant help me. Even though I have written confirmation from the XXXX  XXXX that my money will be refunded, Wells Fargo will not refund any of my money.
Product: Checking or savings account

My financial institution refuses to handle a problem with a company that has and continues to try to take money out of my account that is fraud. Theyve canceled my debit card without my permission and then noted on the account that the charges were not fraud. I have called repeatedly and tried to have this taken care of with no success.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX, NY XXXX
Product: Prepaid card

On Tuesday XX/XX/XXXX there was a charge on my Chime card for {$150.00}. My Chime account says this charge was made by XXXX XXXXXXXX XXXX  phone number listed with my Chime account is ( XXXX ) XXXX. I did not authorize this charge. I disputed this charge with Chime and they denied my dispute so I requested a rebuttal and today they denied the dispute again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account not right and wrong information
Product: Checking or savings account

On XXXX XXXX I deposit my sister irs check of {$9900.00} into my account due to her now having a bank account I called my bank to confirm what was all needed they explained and I processed once we both went to bank to withdrawal money after being cleared after going inside branch they told me my account had restrictions ( being discriminated ) and I will have to contact customer service once I was able to get in contact with customer they uplifted the hold but they was stating I still had a restriction Ive tried to appeal, get the check sent back, get my account closed, we both did a writing statement still was denied and now its going on 3 years I still have restrictions with balance please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.