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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 or other personal consumer reports

Based on, 15 U.S. Code 1681cXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 
As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Product: Credit card or prepaid card

I requested a settlement amount, if account paid in full, the live chat rep referred me to XXXX XXXX XXXX XXXX, stated no assistance is available to me. This is in regard to my aspire card account, now closed. I am currently experiencing financial difficulties due to pandemic and would like to pay off account in full to save interest.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ; # XXXX discover, 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 an account without my written instructions
Product: Credit card or prepaid card

In XX/XX/2018, I applied for the Capital One Quicksilver credit card that included a 0 % introductory APR for all purchases in the first 15 months of opening the account offer. Shortly thereafter, I received a Capital One Quicksilver credit card in the mail. Upon receiving my second billing statement in XX/XX/XXXX, I noticed I was charged interest for my purchases. When contacting customer services at Capital One, I was advised that eventhough I applied for the credit card that included the 0 % introductory APR offer, I was actually approved for a different Capital One Quicksilver credit card that did not include the 0 % introductory APR offer. 
I was never clearly advised that I was not receiving the credit card that I actually applied for, and since the credit card that I received had the identical name of " Capital One Quicksilver '', I was unaware that interest would be charged on my purchases. I feel this was false advertising and deceitful practices.
Product: Credit card or prepaid card

Yes I called capital one bank on my 3 credit cards. They accepted a hardship program with all 3cards. Going thru hardship. They told me too send in each month what I can afford. So sending in XXXX each month on all cards. But they won't wsivr any interest. But said no late fees. I keep getting monthly payments with minimum going up. Not right. Need too talk with someone get a solution. Also on one of my cards they got me a 30 day late fees from back in 2018. Hoping too get that late payment waived. Hurting my credit report
Product: Credit card

Bank of America will not send me a check for credit balance on my account spoke to them XXXX times. Keeps saying a check will be mailed out
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXX XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

1.ACCOUNT-XXXX XXXX  XXXX1 5 U.S CODE 1681b-PERMISSIBLE PURPOSE And -15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. The negative accounts have been reported without mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Doing a full audit on this account because I have no received securities on the account above and only a full audit will show where they have been going and I will be taking full legal action for it.
Product: Checking or savings account

My wife 's employer is using XXXX instead of ACH. We didn't know that direct deposit needed to be through ACH until we were charged the fee. I tried to talk to Chase about it and they hung up on me. I called back and tried to close the account and they hung up on me. I could have avoided the fee by keeping a minimum balance in the account but it dipped below the minimum on one day.
Product: Credit reporting

I filed bankrupt and it was discharged in XXXX of 2015 Equifax has not updated my report that I filed nor have they removed any accounts from my credit report. Also the car loan that 's on both of my reports should be removed. I tried to dispute with Equifax but they claim they ca n't never identify me.
Product: Credit card

American Express offers employees cards to small business account holders, and these cards can be applied for online, by providing the employees name and email address. The process has always been that the card would then be sent to the employer ( account holder ), who provides the card to the employee. The employee then has 60 days to contact American Express and provide sensitive personal information, otherwise the employees card will be canceled. This information includes social security number, date of birth, and personal address. 

Recently, American Express has changed this policy so that the employer is now forced to provide the employees sensitive data before American Express will begin to process the employee card order. American Express has removed the 60 day period allowing the employee to provide this information directly. This creates a legal violation, as someone is now being required by American Express to share the social security number, date of birth, and personal address of another individual over the phone with a customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX CA 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

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 # XXXX, XXXX XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights.

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

As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an XXXX XXXX are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with Nationstar mr. Cooper XXXX? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter and receipt from when i sent the letter out and here is the tracking number. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion therof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according tot he law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
I have the credit report showing the inaccuracies. 

Accounts : JJ Marshall & Associates Inc
Product: Debt collection

This company called me XX/XX/XXXX and sent me a voicemail threatening to sue me if I do not contact them within a week about a debt that is owed to them. I believe they are inpersonating as a mediation company to try to retrieve info about me and threatening me because they want me to pay the debt in question quicker. They refuse to give me any information.
Product: Credit reporting or other personal consumer reports

ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : XXXX XXXX XXXX. Account # XXXX ****Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXX XXXX XXXX XXXXXXXX XXXX and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance ; {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I claimed bankruptcy ( XXXX XXXX ) and included my student loans in the Bankruptcy, however, the student loans could not be included in the Bankruptcy at that time. Now, I'm hearing they could have been included. What can I do? I included them in my Bankruptcy that was XXXX in XXXX The amount at that time was XXXX and the lender listed was Sallie Mae. 
I will forward the Bankruptcy paperwork upon request.
Product: Checking or savings account

Yestarday i try to made a wire transfer for XXXX they cancel and lock my online acces when i already send a transfer to the same person the other day i call to resolve it but the persons that i talk to say they cant verify me when they call me back to the number register in my profile i rspond the questions that they ask and at the end told me go to a branch and disconect the call for me is complicated to step on a branch because im in XXXX and i cant cross to the USA
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt or credit management

Checked out their website clicked a few links decided I wasnt interested in their product. A few days later Im charged {$87.00} membership fee that I did not sign up for.
Product: Credit reporting or other personal consumer reports

If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent items from my file. 
If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX