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

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance - ; XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX  ) XXXX Balance {$560.00} ; XXXX. XXXX XXXX XXXX Original creditor : XXXX  ) XXXX Balance {$280.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  Balance : {$140.00} ; XXXX XXXX AND XXXX ( XXXX Name : XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX CT XXXX, TX XXXX ; XXXXXXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXXInquired on XX/XX/2022 XXXX XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX I Inquired on XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXXInquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, 2022 ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am tired of this XXXX branch and company overall. I have filed a previous complaint and after they responded, I was told to contact an attorney. I have tried but not to many attorneys take discrimination complaints if you are not an employee. I am very close to filing a multi-million dollar lawsuit against this bank myself for discrimination, harassment and retaliation. I went into the XXXX IL, fifth third bank brach to close my checking account ending in XXXX. They refuse to close it and i'm still receiving communication from this bank. I want the account closed and no further contact. I also went to the department of human rights but was told the time frame to file had passed. This branch and all the employees in it are XXXX. The teller I did my transactions with had a superior attitude, she has been there the longest and angry because she has had no growth in that position that she has worked for close to 15 years, as well as the branch manager. I want to be left alone. This is not about money but I want the account closed and want to pursue them legally for the charges I listed above. The XXXX guy that they had to respond to the first compliant, I actually felt bad for him because they used him as the token child but this XXXX man will always stand up and fight for justice and equality. The employess at this brach act like they are doing you a favor. They have these bad attitudes and can not stomach a semi-successful XXXX man that has worked for everything I have and will not stand for it. I want justice, the account closed and the right attorney to go after these XXXX trash bags.
Product: Debt collection

Company continues to call me even though I have spoken to XXXX different people that say my number is not on file with them. They each have said there is nothing they can do and that the calls should not be happening. This has been going on for well over a month. I do not owe anyone money. This debt collection service is located in New Hampshire, according to the pop-up on my cell phone. The calls come in DAILY! They are calling from XXXX. This is harassment that this company refuses to do anything about. Please HELP! 

Thank you,
Product: Payday loan, title loan, personal loan, or advance loan

I would like to close my account since I've paid my balance. However, they will not answer their phones and the credit line can not be closed online.
Product: Consumer Loan

I had financial issues and had to stop paying on bills other than necessary bills. I made a few payments toward the loan but seems the principal only decreased by less than XXXX or so. My loan amount was XXXX and now i receive a collection notice for almost XXXX. I made a XXXX payment on XXXX only XXXX went toward the principal leaving my balance XXXX, on XX/XX/XXXX XXXX payment only XXXX went toward the principal balance XXXX and on XX/XX/XXXX made a XXXX payment XXXX toward my principal and balance was XXXX. How is this possible if i have made payments toward my loan? They call both my and my XXXX year old cell phones all during the day. And i have not given them permission to call any cell numbers. I want them to stop calling me and my daughter cell or any other number they have on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : 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

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 name ; XXXX XXXX acct # XXXX Account name ; XXXX XXXX XXXX Account # XXXX Account name ; XXXX XXXX  Account # XXXX Account name ; XXXX XXXX Account # XXXX  Account name ; XXXX XXXX XXXX Account XXXX XXXX Transunion Account name ; XXXX XXXX XXXX Account # XXXX XXXX  Account name National recovery account # XXXX Account name XXXX XXXX Account # XXXX they have violated my right the only phone number i have is XXXX XXXX the only address is XXXX XXXX XXXX tn 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX I started looking over my credit report and noticed I had a lot of hard unauthorized inquiries on my report. So I called Equifax and no one wanted to help me. So on XXXX XXXX, XXXX I called again and got the same response that no one was able to help me and there wasnt anything that they could do about it. So on XXXX XXXX, XXXX I sent them certified letters with returned receipts and waited to hear something back. So in XXXX I called back and was able to place a fraud alert on my account. And I still was having unauthorized inquiries popping up on my report even with the fraud alert. No one is alerting me that someone is running my credit without my permission. I went get a police report and wrote more certified letters and still was told they couldnt do anything about it. I been sending letters and calling for 7 months now and still have yet to receive any help. Its now XXXX and Im still having the same problem. I keep sending letters and calling and no one is willing to help me. This is messing up my credit and stopping me from applying for a home loan because of this.
Product: Mortgage

I began to refinance our mortgage with Wells Fargo Home Mortgage company in the latter part of XX/XX/XXXX. I sent them some information they requested to their fax number. A couple of days later they requested more financial information and I faxed that sensitive information to them at the same fax. They lost it ; one of their reps laughing about it. After a week or so of this lack of professionalism and lack of regard for my personal financial information being lost by them, I told the financing rep ( XXXX XXXX ) and his boss that I was cancelling the application with Wells Fargo - I did not trust them. They said they would refund my initial application fee ( {$520.00} ). They had received my initial payment on the XX/XX/XXXX. As of this morning they had not provide a credit to my credit card. I called XXXX XXXX in Customer Care who could not have been more unhelpful. She would not let me talk to her supervisor, telling me the supervisor was in a meeting and would be in meetings until Thursday. I asked to speak with someone else who could expedite the repayment of the fee and was told there was no one else to talk with and that they might get the fee repaid to be in 45 to 60 days. 
So, they lost sensitive financial information I sent to them and have had my money for several weeks. I consider this a form of fraud. 
I would appreciate your assistance with this mess. 
Thanks, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, KS XXXX tel # XXXX XXXX
Product: Debt collection

I am writing to file a complaint against Portfolio Recovery, for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Portfolio Recovery, has violated my rights as a consumer by : * Failing to Provide Validation Information : The agency has placed a collection on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the accuracy of the debt and dispute it if necessary. 

* Denying Me the Opportunity to Dispute : The agency has not given me a chance to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the debt is a clear violation of the FDCPA. 

* Engaging in False, Misleading, and Deceptive Practices : The agency has used false, misleading, and deceptive means in their collection efforts. This behavior is prohibited by the FDCPA. 

* Furnishing Information to Consumer Reporting Agencies Without Required Disclosures : The agency has furnished information about the account to consumer reporting agencies without providing the necessary disclosures required by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action is a clear violation of the FDCPA and the Fair Credit Reporting Act.
Product: Checking or savings account

I have multiple CDs setup with " Discover Bank '' ; At maturity notice, you're directed to the Website and/or Mobile App to choose the next steps ( i.e. renew at a different term and/or close the account ). I have tried multiple times to set the CD NOT to auto renew ( prior to notice, after notice ) it doesn't matter you simply can NOT modify the account to NOT auto renew .... The Mobile App & Website always directs you to contact an XXXX # ; However, if you want to renew and/or set a different term, you can do that via the website and/or mobile app!! I have even emailed " Discover Bank '' via their messaging platform ( several times ) requesting them to set ALL my CDs to NOT auto renew, but that has failed as well ; Today, I'm trying a different tactic and asking to do only XXXX account that is maturing in XXXX... but i am not very hopefully .... The fact they are requiring me to CALL to stop an auto renewal is just a tactic to minimize how many folks actually follow through .... making it easy to renew and/or change terms, but to cancel they're making it a challenge ....
Product: Credit card or prepaid card

On XX/XX/31 I went to XXXX to book a flight. Upon checkout, an offer for a XXXX visa rewards card was presented, offering a {$100.00} rebate if X amount was spent in X amount of days. After applying XXXX hard credit inquiry XXXX, I was not provided any information about my account. I didn't receive a confirmation email until nearly 8 hours later. At this point I didn't book my flight because I didn't have the travel reward card info. So the next day I called Barclay Bank and asked if they could give me my info so I could purchase my flight, and i was told they didn't have access to my account number and I needed to wait until I got the card in the mail ( 5-7 business days ). I was told that if I paid with a credit card, then the transaction could be moved from my current card to the XXXX reward card WITH NO BALANCE TRANSFER FEE. So I book the flight on my personal card. Fast forward to me getting my physical card, I call Barclay 's and ask for the transfer. The lady then tells me that there wouldn't be a transfer fee .... UNTIL XXXX XXXX this is a disgusting bait and switch tactic that put a hard inquiry on my credit report. I was transferred to customer service of both Barclay 's and XXXX, and each told me the other could do the transfer. As far as I know, there is no possible way for someone to apply for the rewards card at checkout AND USE IT THE SAME DAY to get the rewards. I want thia account closed but I do not want all the negative effects on my credit report. Absolutely asinine.
Product: Debt collection

NOTICE TO DELETE FROM CONSUMER REPORTING AGENCIES NOTICE TO CEASE AND DESIST INTENT TO SUE AND WILL SUE LOVE SUING PLAINTIFF : XXXX XXXX XXXX XX/XX/year> DEFENDANT : MIDLAND CREDIT MGMT DUNS # XXXX BOND SUITCASE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : ALLEGED ORIGINAL CREDITORS : XXXX XXXX XXXX XXXX  ALLEGED ORIGINAL CREDITOR ACCOUNTS NUMBER : XXXX, XXXX ALLEGED DEBT AMOUNTS OR BALANCE {$580.00}, {$1200.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : MIDLAND CREDIT MANAGEMENT I NEVER GAVE CONSENT TO USE THIS XXXX XXXX XXXX XXXX XXXX XXXX ] STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Beneficiary of acct # XXXX XXXX XXXX not the trustee XXXX WITHOUT PREJUDICE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute multiple inaccuracies and errors on my credit report as provided by Equifax. Additionally, I am filing this dispute based on Equifaxs recent non-compliance with the Consumer Financial Protection Bureau ( CFPB ) regulations, as evidenced by the CFPBs order for Equifax to pay {$15.00} XXXX due to improper investigations into credit reporting errors. Given this enforcement action, I am deeply concerned about the integrity and compliance of XXXX reporting and investigation practices. 

Upon reviewing my credit report ( dated XX/XX/year> ), I have identified the following issues that require immediate correction : 1. Failure to Conduct a Proper Investigation Equifax has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigations into disputed accounts. I have previously disputed [ list accounts or items disputed ] and have not received a thorough investigation or proper resolution. Given the CFPBs findings against Equifax, I demand immediate corrective action.

2. Inaccurate or Outdated Information There are multiple accounts reflecting charge-offs and delinquencies that do not belong to me or are inaccurately reported. These accounts are causing significant harm to my creditworthiness. I have attached supporting documents to verify my claims. 
XXXX. Failure to Provide Proper Notice or Verification I have not received proper documentation verifying the legitimacy of the derogatory marks in question. Under the FCRA, Equifax must ensure all reported items are accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft. 15 USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. The unauthorized inquiries are as follows : 1. XXXX XXXX XXXX Transunion 2.XXXX XXXX Transunion 3. XXXX XXXX XXXX XXXXXXXX XXXX 4 . XXXXXXXX XXXX Transunion 5 . XXXX XXXX XXXX XXXXXXXX XXXX  6 . XXXX XXXX XXXXXXXX XXXX 7 . XXXXXXXX XXXX XXXXXXXX XXXX  8 . XXXX XXXX XXXXXXXX  XXXX XXXX  9 . XXXX XXXX- XXXX Transunion 10 . XXXX- XXXX Transunion 11 . XXXX XXXX XXXX Transunion 12 XXXX XXXX- XXXX TransUnion
Product: Debt collection

Im protected under the no surprise medical bills act. I have XXXX and I was unaware of this debt that was a surprise to both me and my insurance. My medical bills were sold to a debt collector without my consent and my privacy was violated under hippa. The company refused to send me a bill or itemized statement telling me what the debt is and where it came from. I was billed on 2 dates XX/XX/XXXX and my debt was sold XX/XX/XXXX. I was also billed XX/XX/XXXX and sold XX/XX/XXXX.
Product: Debt collection

I did not open an XXXX XXXX XXXX account in XXXX this is not my debt Enhanced XXXX just appeared on my report and they are not providing me address of services will not remove this is not mine. I have filed a dispute with XXXX that came back in less than 20 days.
Product: Credit card or prepaid card

I ordered from XXXX XXXX a WIFI internet connection. XXXX  came out and installed the equipment from XXXX. I subsequently received a charge on my Capital One credit card from XXXX. CapitalOne hd to give XXXX the information to charge my credit card. The Hughes.net equipment was slow and didn't always work correctly. I contacted XXXX and was told I had a 4 year contract and I couldn't cancel it. I explained I had no such contract and I am cancelling this service. XXXX sent return packaging and I returned the equipment at their expense. I was told there was a {$400.00} cancellation charge. I told XXXX I had no contract and they should contact Capital One. I paid 2 months charges on the credit card. I did not have the service for 2 months. 
I am enclosing letters to both parties explaining what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many efforts, I need your help to have information removed from my credit report with XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with XXXX, TransUnion, and XXXX. 

Also notified ( mailed 4 letters to 2 address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to Dept Of Ed / XXXX and is now a duplicate file and has not been removed by XXXX. 

Remove XXXX XXXX XXXX This file just appeared on XXXX, and I do not have a relationship with this company. 
This is a medical debt that infers I had XXXXXXXX XXXX ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided TransUnion, XXXX, and XXXX  with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the one bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )