23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXXXXXX 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 : # XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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, other than records of conviction 's 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, credit repair services, or other personal consumer reports

Per FTC sec.609 credit agencies are not validating my credit they are simply verifying my information.
Product: Debt collection

I sent a letter with Texas State guidelines for debt validation and received no response. I contacted XXXX and reminded them that the FCRA states that all debts that have n't been properly validated must be removed from the report until the debt can legally be verified. XXXX has continued to willfully violate the FCRA by reporting this debt without proper validation. North American Recovery also continues to violate the FCRA for not validating the debt as per Texas XXXX Code by providing the documentation that is required by Texas law. I sent them a copy of the criteria and they are willful non compliance with the FCRA as well.
Product: Checking or savings account

On XX/XX/year>, I opened a XXXX  Checking account with a XXXX XXXX who is a banker at Wells Fargo XXXX XXXX branch. XXXX XXXX confirmed and applied promotion code XXXX to the account. On XX/XX/year> I deposited {$530000.00} in qualified investments to my linked brokerage account. The terms of the offer stated that Wells Fargo would provide a bonus of {$3500.00} for bringing {$500000.00} in investments into a linked brokerage account. I have contacted Wells Fargo on XX/XX/year>, XX/XX/year>, and XX/XX/year> and have received no response.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX : {$27000.00}
Product: Checking or savings account

The following fraudulent entries appear on my ChexSystems 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX/XXXX/XXXX I uploaded a letter to the Experian website which was marked as accepted in the portal. I requested an update of my personal information to be recorded, namely my address. I requested all other addresses listed on my report be removed as I no longer lived at them or had ever lived at them and are not deliverable to me by the USPS and are not reportable as per the FCRA. For proof of address, I included my current drivers licence and a current utility bill listing my current residence. I received a copy of my credit report from Experian dated XXXX/XXXX/XXXX in response to my request. The credit report sent to me listed 16 addresses on my credit report, including 8 addresses where I have never lived.
Product: Credit card or prepaid card

My card ( Current ) was used fraudulent on many many different online charges.. I have contacted my bank on sever occasions and was not able to make a dispute because I did not at time have access to my online portal. I have since regained access and filed dispute they asked me several questions all of which I answered truthfully and correct. They have since denied my dispute saying that because card is in my possession they are not refunding my dispute. I have tried to contact them again thru messages emails and chat and always told same .. once they finish dispute all is final. There response was that because card is still in my possession that no error occurred. They was all online purchases thought. Please help. 
List below are fraudulent charges that was used on my account all are online purchases XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the Experian to verify a number of accounts that were on my credit report on XXXX/XXXX/XXXX. I sent another letter to the CEO of Experian on XXXX XXXX, XXXX and mailed another certified letter on XXXX/XXXX/XXXX ( Second Request ) and received a letter dated XXXX/XXXX/XXXX from them stating that they will not reinvestigate my dispute because my request is frivolous. They stated the accounts were verified but provided no documentation or evidence. I have called in several occasions to delete these accounts and were denied. My next step is to start litigation against Experian.
Product: Credit reporting or other personal consumer reports

My information was compromised from a data breach ... XXXX.15 USC 1681
Product: Prepaid card

We have XXXX prepaid debit cards from Suntrust bank that had a beginning balance of {$25.00}. 

We were charged monthly inactivity fees for no activity after 4 months of not using the card, which violates our understanding of the CARD act, which only permits the charging of fees after 12 months of no activity. 

The terms and conditions of the Suntrust prepaid debit card are here : " Inactive Account Fee {$2.00} per month following 3 months of inactivity. Inactivity is defined as no transactions ( cash or purchases ) or account inquiries made on the Card account. " https : XXXX $ XXXX in activity fees $ XXXX in activity feesI 'm asking for Suntrust bank to be held accountable for violating the law on protections against fees within a 1 year period, and for a refund of these activity fees.
Product: Credit card or prepaid card

On XX/XX/22 we received a inquiry alert form XXXX. This alert advises us that our an inquiry on our XXXX credit report had been opened. 
On researching, the inquiry was shown to be made by Bank of America. 
On XX/XX/22 we received an information package in the mail from Bank of America. It contain a XXXX XXXX credit card that has been approved and only needed to be activated. 
I have not and will not activate this particular card. 
My complaint is that I neither requested or desired to get this credit card. Also I am worried that someone else is accessing my personal information on the credit bureau in order to fraudulently use this card. I also want to know why Bank of America, XXXX, DE issued this card without my permission.
Product: Credit card or prepaid card

My account with Bank America was closed in XX/XX/XXXX and I have a Credit balance which still has not been paid back to since then. It is over 45 days since the account was officially closed I get statements still showing a credit balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XX/XX/2022 I made multiple payments in XXXX I uploaded evidence and they closed investigation on discovery card. In chat my date was changed to the 1st of each month because I'm a veteran disabled and when payment date was changed they put on my credit 30 days late I sent in evidence. No letters no emails of late payments were sent to me as I made multiple payments in 1 mth. I sent in bank payments and they failed and still f A iled to remove the late payment. I been dealing going XXXX XXXX XXXX XXXX and now this. Multiple payments were made in XXXX. But they got XXXX late and there's payments and extra payments been met. This all happened when payment date was moved to the 1st if each mth. They refuse to remove the only 1 late payment I have on my credit. The investigation was closed states I didn't send in documents and they were sent in. They are trying to ruin others credit after getting payments and if u make double payments they fail to put those on bill for the next following month. They wrongfully put me in a bind. Which hurts my score and they don't care
Product: Checking or savings account

We're purchasing a mortgage and there is a large amount of money transfering into another account and some money from both of my husband and mine accounts. When we're in escrow I did transfered for my husband XXXX. After that I tried to log in to my account and they keep popping up error code MFA few times. I called the customer service, on phone with them and they keep transfering. The second time they hung up on me. The first time the representative did helped me resolve. I tried again to log in and transfer money for my husband and again, error code MFA like XXXX is MFA.?? Now both of our accounts is locked and had no access. We're ON ESCROW RIGHT NOW AND we have to pay for the closing cost, the house that we rent. All of our money which is more than {$150000.00}. $ XXXX is blocked and can not access. Ridiculous. While i'm writing this complaint I'm also on the phone and they keep put me on the line waiting. I'm like what are you guys waiting for what? They verified my phone number, verified my account number, whatever they can verify they already did. Citibank please do better. We might go into bankruptcy because of this. thanks again Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows Balance {$8.00} and a Charge Off Amount of {$8600.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as Charge Offs - L in XXXX XXXX ; full XX/XX/XXXXyear ; full XX/XX/XXXX year ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XX/XX/XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; 60 days late payment XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as L reported on my credit report.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

On XX/XX/XXXX I mailed Fox Collection Center a letter using certified mail requesting validation of an alleged debt. Like I mentioned, I sent the letter through certified mail, so I know the company received it. In the letter I clearly and conspicuously stated that notice to agent is notice to principal, notice to principal is notice to agent. I also state that no response to my letter constitutes.. 1. That the alleged debt did not exist in the first place and 2. That any negative marks made to my consumer report will be removed. It is XX/XX/XXXX and I have not received any response.
Product: Credit reporting or other personal consumer reports

Im a victime of identity fraud my information was used back in 2021 for fake fraudulent check I also have loans and a credit open on my name that I have no record of Im also unable to get a bank account due to all of the fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax as falsely removed active accounts from my credit profile thereby reducing my credit from a XXXX to a XXXX credit score. 

Equifax removed my XXXX XXXX  account with a {$20000.00} credit limit 0 balance, ( 2 ) XXXX XXXX accounts and ( 1 ) XXXX XXXX account. 

This company will place these accounts on to my credit profile after I have made a complaint to the CFPB but then remove them again 2 to 3 months later. 

It is my intention to also file Federal action against them for illegal credit practices.
Product: Credit reporting or other personal consumer reports

The information listed below are unauthorized inquires, which appears on my credit report, does not relate to any transaction ( s ) that I've made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I man off XXXX offered to pay for my credit card debt. He started texting me from the number XXXX claiming to be XXXX XXXX. He gave me PNC bank information to pay off credit card debts, which I have since cancelled after realizing this was a common scam. He kept telling me I had to be loyal. I then asked him to confirm it was really him by XXXX  me and showing me whether his face matched the picture he sent me ( and the XXXX I found of XXXX XXXX ). He denied and got aggressive when I called him out on taking someones account info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act account 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
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 Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit card or prepaid card

American express ( AMEX ) uses 'Amex Offer ' promotional feature to attract customers to use their cards in particular categories. However, AMEX misleadingly hide the time zone in the Amex offer which they uses to measure if the charge is qualified. I have a Amex Offer added to my card ending in XXXX which was called " XXXX XXXX XXXX XXXX Spend {$300.00} or more, get {$60.00} back. Get a one-time {$60.00} statement credit by using your enrolled Card to spend a minimum of {$300.00} in one or more transactions, on room rate and room charges, when you pay for your stay at XXXX XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. '' The charge was made at XXXX XXXX  PST ( pacific time ) on XX/XX/2021, which was supposed to be eligible for the offer. However, Amex refused to reimburse {$75.00} according to the offer because they said my charge was made at XXXX MST ( mountain time ) on XX/XX/2021. I have no problem if Amex had told the customers that they use MST mountain time in the details of the Amex Offers. However, since the Amex Offer does not mention which time zone it uses, it is natural to assume it was measured in the customers ' city 's time zone. In my case, this charge should still be eligible as it was done on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 

Account info Account name XXXX XXXX XXXXXXXX. 
Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$10.00} Balance updated XX/XX/XXXX Recent payment {$10.00} as of XX/XX/XXXX Monthly payment {$10.00} Credit limit {$1800.00} Highest balance {$50.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days ND No data for this period Payment history guide 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account listed below that does not belong to me and XXXX, XXXX and TransUnion XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX., opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, reporting XXXX XXXX  XXXX XXXX., opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. I am certain this complaint is valid and should be taken seriously. My report seems to contain mixed information, and this incorrect and unknown account is not mine. This situation is deeply concerning and has caused me significant stress and XXXX.
Product: Vehicle loan or lease

I had my vehicle repossessed by Exeter finance and then had {$3000.00} worth of personal property stolen out of the vehicle and part of it was proscription medication and nether Exeter or the repo company did anything to make it right and on top of that Exeter is saying I still owe them {$2200.00} for repo charges and other fees and i paid over that between my down payment of {$1500.00} plus the payments I made on the car and also an employee of Exeter made a deal with me to pay what I could of {$200.00} until I got paid the following Friday and it would keep me from repossession and after I paid it two days later they repossessed the car all of this happened during COVID and they agreed to help me due to my hours at work had dropped because I was doing disaster restoration going into houses to clean and repair from Fire and Water damage and the customers and insurance companys werent letting use in the houses and every time they made a deal with me they wouldnt make good on it and I know for a fact they got full price of the car when it was sold plus the finance charges so since they got all that money plus costed me way more money by having to replace all the things that were stolen from me plus having to pay fees to the department of motor vehicles I feel I shouldnt have to pay them anything because I ended up paying out {$4000.00} to get back even
Product: Credit card

Several fraudulent charges were made to my account with mine & my wife cards. They apparently sent us new cards and our mailbox had been broken into. We provided XXXX XXXX with the postmaster 's investigative reports. They resolved the charges from my wifes card but have ignored mine. When I called several times, they said that I had no outstanding balance and everything has been cleared but the charges are still showing up and they have thit my credit score. I've called them regarding this issue at least 6 times. Has been going on for 10 months now. The last call I made, the rep said that I needed to email someone and said she couldn't help me. I sent that email several emails explaining everything and have received no response. It is the Home Depot card through Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian credit companies are not complying with their own policies in a timely manner.