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 has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 according to 15 USC 1681 ( XXXX ) ( b ). 


And according to 15 USC 1681i XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information. 
( A ) In XXXX after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigston : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer. 

and according to the 15 USC 1681 s-2 they are supposed to 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

My account is almost negative XXXX dollars because of repeating pos signature decline fees. My card isn't linked to any subscriptions or reoccurring payments but Ive continued getting signature decline fees, multiple times a day during the XXXX weeks between my payroll deposits. So before every payday my account is already in the negative and it's taking chunks out of my paycheck for something that I didn't do. I've called and complained multiple times but nothing has been done. The people from customer support are very rude and won't answer any of my questions or even try to help. I could understand if I was actually using my card to make purchases or attempt purchases while it was in the negative, but Im not. Ive asked them to unlink it from any reoccurring payments and subscriptions and they said they did but they obviously didn't because of the constant fees I'm being charged. I don't make alot of money and I'm trying to get money saved up for a place for me and my girlfriend. We have a XXXX XXXX year old with another baby on the way. Money is already tight and these constant fees are really making it so much harder. Can you please help me get my money back, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2020 Myself and family where dealing with XXXX related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you
Product: Checking or savings account

{$75.00} cash deposit bonus was promised for getting a direct deposit from employer. Direct deposit of {$500.00} was received on XX/XX/2020 yet the bonus promo was never credited. 
Sofi terms read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year> we made and interbank to bank transfer with Bank of America. A few days later our local branch told us that the beneficiaries account had been flagged for fraud. We immediately recalled our money. To date 62 days later we have not received our funds in the amount of {$220000.00}. Our local branch has verified that BOA is holding our funds, but the fraud department has not reached out to us to tell us when we get our money back.
Product: Debt collection

This is not done in error and/or third party. I consumer ( XXXX XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer JPMCB Card Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.
Product: Credit reporting or other personal consumer reports

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

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXXXXXX 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. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Mortgage

XXXX XXXX XXXX  sold our loan to XXXX  bank. Flagstar bank provided notice on XX/XX/XXXX that the transfer date was XX/XX/XXXX. I honestly just received this notice today which is XX/XX/XXXX. I just feel this is some very short notice as my payment was sent to XXXX  XXXX  automatically on XX/XX/XXXX. I believe they are to provide like 15 days notice. Just trying to hold them accountable.
Product: Payday loan, title loan, or personal loan

My husband applied for a loan back in XXXX online and was paid off this past XX/XX/2018. Today I received an email with a new loan offer, We called the number to check it out, the man who answer name is XXXX, I couldn't understand due to his XXXX accent, said he need our acct information to verify it was my husband. He made us confirm my husband information which he emailed us the " loan approval '' form per my request. I asked to speak to a manager who's name was also XXXX advised he was going to deposit XXXX in which at XXXX we needed to go to XXXX and do a money transfer and then by XXXX the would be XXXX in his acct. When unasked him where he received my husband information he said XXXX XXXX. It made no sense to us so we called the bank and changed all passwords. ( They claim to do a digital deposit ) His name is XXXX XXXX and phone is XXXX.
Product: Debt collection

I have been trying to get this off of my credit since it first appeared on there because the debt is not valid. I had/have medical insurance that covers me 100 % and the doctor who reported this to collections never billed my insurance company to pay the bill because I don't know why. My insurance company contacted the debt collector to inform them of what happened and why that debt is not my responsibility and verified that I had active insurance at the time of service and still currently do. The collection company said that they were going to handle it and it would be removed from my credit within 30 days but that has yet to be done and it is affecting my credit score by 70 points. Which is now affecting me being able to get a car loan.
Product: Credit card

This card has a balance transfer balance at 0 % and is used for very minimal charges each month. I make large payments to pay off the minimal charges and large chunks of the balance which was set to be completed in the timeframe agreed to by XX/XX/XXXX. They claim that all of the interest charges are for current balance, which I don't have. They also just started charging me these interest charges on my current statement but are dating them back to XXXX - it is sudden and so strange. Note that this was my XXXX ( XXXX ) credit card that was changed to FNBO- which is when this all began. They still refuse they are wrong, will not refund my interest so I paid in full right away and closed the card.
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: Credit reporting, credit repair services, or other personal consumer reports

Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XX/XX/XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to transUnion that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!
Product: Debt collection

I have received a letter from this collection agency requesting that I pay the delinquent amount in 10 days. This was my first encounter with them for this debt. On the paper they sent me, the delinquent amounts were {$2.00} and {$40.00}. All in all, I sent a money order for {$43.00}. i've now received another letter XX/XX/22 with the amount of {$15.00}. I've sent them a letter via certified mail that was signed by XXXX asking for verification of this debt to no avail.
Product: Debt collection

Transworld Systems Inc ( Collection Agency ) is attempting to collect inaccurate debt for an apartment complex ( XXXX XXXX XXXX. ) However, after several written disputes this collection agency refuses to remove the inaccurate debt.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX  # XXXX
Product: Debt collection

The caller will ask for my address and say they have all my information, but need me to confirm my address. They say they are calling in regards to a personal matter and will not tell what it is. I have answered their calls at least three times and told them that I will not confirm my address until the tell me what they are calling about but all they will say is that I is for personal matters.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a federally protected consumer per the FCRA ( Fair Credit Reporting Act ) am now OPTING OUT of any and All authorization .I the consumer may have given you written, unwritten, verbal, non verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX & the places I have cards or accounts thru, I have places like aXXXX XXXX XXXX  and XXXX XXXX XXXX just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or equifax. 


There is a collection on equifax for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.
Product: Credit card

my personal information was used to obtain XXXX platinum card, the card was never issued. I contacted both XXXX as well as Experian credit reporting agency to delete the credit inquiery from my Experian file but so far nothing has been done, I also forwarded Experian with the police report but no action has been taken by Experian to remove the inquiery from my credit file.
Product: Checking or savings account

on XX/XX/22 I noticed XXXX pending charges from a company or business named " XXXX  XXXX XXXX '', {$370.00} and {$450.00}... I immediately called Huntington Bank to report this fraudulent activity and have the pending charges stopped before they were completed, I was told by the bank customer service that the charges could not be stopped because they were debit card charges, and that someone must have gotten ahold of all the information from my debit card when I physically used it, the bank did however deactivate my debit card ... the last XXXX places the card was used were at XXXX  and XXXX... the charges appear to be from XXXX California, a company named XXXX XXXX  ( XXXX stands for XXXX XXXX XXXX ) ( XXXX XXXX  XXXX  ), it is a gift card service in the state of CA, it was created by the XXXX  XXXX XXXX , and it is used to make purchases at local participating businesses in the following CA cities/counties, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 found all this information by just simply doing a XXXX search ... let me be clear, I do not know who this company/business is, I did not authorize them to do any charges to my bank account, I did not give them my debit card information, I do not have any friends or family that live in California, and the service would not do me any good unless I were to physically visit one of the participating businesses in participating cities or counties located in CA, so why would I have authorized this service to make charges of any amount to my debit card? Huntington Bank failed to stop the unauthorized pending transactions after I reported them, the amounts put my bank account into an overdrawn amount, overdraft fees were charged to my account by the bank, and they have not bothered to investigate the situation at this point, as my bank account has still not been credited for the fraudulent charges that I reported to Huntington Bank more than 2 weeks ago ... it is clear that I would not benefit in any way by authorizing this XXXX  XXXX  service to make charges to my bank account using my debit card, and I did not do so ... and the fact that Huntington Bank has taken their time in handling this issue, which has left my account unusable is unacceptable in my opinion... I have no idea how my debit card information was stolen or accessed by the individual that used it, but I want this issue handled immediately, and I want credits issued to my account in the XXXX amounts that were fraudulently charged by the XXXX XXXX service on XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Address : XXXX XXXX XXXX XXXX, GA XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX