23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite my previous request to each credit reporting agency for verification of the information on my credit report on XX/XX/year>, the discrepancies remain unresolved and ultimately came back verified and updated. 

XXXX XXXX XXXX is not licensed to collect debts in the state of Florida, which is a violation of both state and federal law. 

Florida Statutes Section 559.553, under the Florida Consumer Collection Practices Act ( FCCPA ), clearly mandates that any entity seeking to collect consumer debts within Florida must be properly licensed by the Florida Office of Financial Regulation. XXXX XXXX XXXX does not possess the necessary license to operate within the state, rendering their collection activities unlawful. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from engaging in deceptive, unfair, or illegal practices in the collection of debts. The collection activities of XXXX XXXX Services without the appropriate licensing are in direct violation of these federal statutes. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., mandates that all information reported to credit bureaus be accurate and verifiable. Given that XXXX XXXX XXXX lacks the requisite licensing in Florida, the account information reported by your institution is both inaccurate and unverifiable.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

COMPANY, BANK OF America, XXXX, FL XXXX XXXX  They refused to stop a fraudulent transfer from my personal bank account to a scam source even though I met with a bank representative in a timely manner. The bank was on hold with their fraud department for over 45 minutes and because of the delay on the part of the bank, funds were transferred out of my account to a fraudulent source. This occurred in my presence as I sat at a desk in front of a bank representative.

The bank has refused to guarantee the reinstatement of my funds. This has happened twice since XX/XX/year>. I am a widow, retired on a fixed income and a 34 year customer of Bank of AMerica. I am treated disrespectfully and I am not told the truth. I must have those funds reinstated into my account. The bank is NOT cooperating. Yes, it involved a scam, but I caught it and immediately reported the scam in person at the bank but it was due to the banks delay while trying to get cooperation from their fraud dept that the funds were transferred out of my account. The bank has refused to reinstate the funds. I have no options as a retired widow. Can someone help me? I am a XXXX grad so I am not uneducated and naive. I am very well educated and have worked my entire life as a widow raising my daughter, who is now an adult. Can you assist me?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EMPOWER Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$1700.00} As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls XXXX XXXX according to XXXX-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- XXXX ( b ) ( XXXX ). 
I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " XXXX XXXX XXXX XXXX. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DEROGATORY ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS CAUSING GREAT STRESS ON MY CREDIT FILE. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED BECAUSE IF IT VERY UNFAIR HAVING TO DEAL WITH THIS WHEN I AM VERY SURE THAT THOSE TRANSACTIONS WAS NOT MADE BY ME AND IS NO WHERE NEAR RELATED TO ANY TRANSACTIONS AUTHORIZED BY ME. PLEASE RE-INVESTIGATE AND REMOVE THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Debt collection

Kinum Inc has been phoning this number and using abusive and threatening language. In addition they have severely inflated the amounts claimed. The agent was loud and aggressive threatened to take action if I did not settle the debt now without discussing the matter. I PAID THE AMOUNT TO SETTLE THE DEBT BUT DID NOT RECEIVE A RECEIPT FOR THE AMOUNT PAID.
Product: Mortgage

I called M & T Bank and as usually the same prompts were provided. 
The representative was unknowledgeable, Concerning my identity theft and other prior documentation concerning my account. 
I was asked questions that made me suspicious of situation. I hurried off the call with M & T bank and noticed my cellphone number I use to identify M & T Bank with and us to call from my contact list was different and it disappeared. I took a snap shot of what I could to justify my accusations. I immediately called the FTC and, while speaking with the representative my cellphone started to upload. I told the representative I had to hurry and hang up. 
I then turned off my cellphone.

My M & T Bank is cloned with an imposter pretending to be my mortgage company. 
My cellphone is hacked and my-accounts are to. This is a familiar incident I am experiencing with XXXX currently. I provided XXXX with the impostors contact information that is being used to scam me.. 
I have information in my phone that states encrypted secret conversations T that I did not authorized or have knowledge of, until recently. 
I request an investigation and a stop to foreclosure procedures. 
It is more that obvious that I am experiencing extreme identity theft and it has already been documented and identified. 
I am not receiving emails or any correspondence properly. 
All of my electronic devices have been compromised. 
I have a police report. The bankruptcy M & T Bank validated was months prior to my knowledge of occurring. I received NO correspondence from M & T Bank, concerning a bankruptcy, during the time of the fraudulent transactions occurred. 
I am a victim, I am being treated unfairly. 
I reported fraud and I have not spoken to anyone concerning the investigation of the criminal fraudulent activities that are occurring in my name under my identity that is approved by M & T Bank. 
I have information that I am anticipating sharing with M & T Bank in the pursuit of Justice.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
"
Product: Checking or savings account

Bank of America closed my account due to a scam I had no part of, someone that I did not know sent me a XXXX, I later got a call saying I had to send that money back which I did. It seems that the actual owner of the account that sent me money reported me saying that I scammed then when I in fact had nothing to do with it. As a result of this Bank of America closed my account even when I made a report about this, this happened last year
Product: Credit card or prepaid card

I applied for a Goodyear credit card at a local tire store. The application was approved same-day but they refuse to send the credit card to the current address on the application. The first minimal payment is due in a few weeks and I am not able to set up an online account to pay the bill.

I called Goodyear several times and they notified me that they sent it to a previous address which they pulled from somewhere. There's a reason why I put my current address on the application! I volunteered to send proof of current address ( copy of drivers license, voter registration card ) but they refused when I called. They also said they needed to verify by TXT'ing my cell phone with a code. I said OK but then they said that their computer was unable to do that.
Product: Checking or savings account

Dear CFPB, I am reaching out to file a complaint regarding the resolution of my claims with Wells Fargo concerning ATM fees and a debit card issue. I have had multiple accounts with Wells Fargo dating back to XXXX, and I believe I am entitled to further compensation beyond the XXXX checks I have received so far. 

On XX/XX/XXXX, I spoke with a Wells Fargo representative who informed me that the bank does not owe me any further funds. However, I am concerned that the XXXX checks I have received, totaling {$41.00}, do not fully address the fees and claims I am entitled to from my time as a customer. The checks are for a limited amount, and I have reason to believe there may be additional funds owed to me.

Given my long history with Wells Fargo, I am requesting a more thorough review of my accounts, the transactions associated with my claims, and any fees that may have been incorrectly charged. I seek clarification on the full amount of any owed refunds, as I believe the funds provided thus far are insufficient. 

I would greatly appreciate your assistance in resolving this matter and ensuring that I receive the proper compensation for the fees that were incorrectly charged to my accounts. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX 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

I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof 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. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXX XXXX -XXXX XXXX XXXX, XXXX  XXXX -XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX  XXXX XXXX XXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX # XXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX # XXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX Employment Information : XXXX, XXXX ( Ive never worked with this employer )
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. Act Name : XXXX XXXX, Act Name : XXXX. Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED COMPLAINT : EXPERIAN has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. Experian has used threats and violence against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.
Product: Credit card or prepaid card

I received a personal offer from my VP at my company to apply for the Rose Gold American Express card. This promotion included XXXX points when spending {$3000.00} within the first 3 months. I applied for the card and was approved immediately on my mobile phone. I received the card on XX/XX/XXXX. 

A few months later, I had spent well over the required amount to receive the XXXX bonus points, but I did not see them in my account. I called and spoke to a representative who said : " Of course you will receive your points, it just takes time. They will hit your account on XX/XX/XXXX. The confirmation number is XXXX. '' This did not happen. I called and learned that this confirmation number didn't mean anything and could not be looked up. A representative told me that because I had cancelled a XXXX card in XX/XX/XXXX, I was no longer eligible for the bonus. In XX/XX/XXXX I relocated from a city that was a XXXX hub to XXXX ( which is not a hub ), and therefore no longer needed the card. This was 7 years ago, and at no point was I notified that I would not get this bonus when I applied for the card or when I was spending the high limit. 

I believe this is fraudulent advertising on the promotion and application, and that American Express is scraping up old, irrelevant history on my account to get out of delivering the bonus. I am also a current holder of an American Express Corporate card, so I am not a single card holder and am not consistently applying for cards just to get the bonus.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian twice already that XXXX  XXXX XXXX and XXXX XXXX XXXX is reporting a late payment in error. In XXXX my credit report reflected a late payment for XX/XX/2024. I disputed it the inaccurate information. It came back as accurate reporting. Now, my Experian credit report shows that both my XXXX  XXXX cards XXXX payments are positive status and my XXXX payment is late, but shows I was 30 day past due in XXXX. 
Both of these inaccurate late payments have reflected major damage to my credit score and has now cause 2 of my other credit cards to raise the interest rate and lower my line

s of credit because of the inaccurate reporting. This is clearly a violation of my rights. Also, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}