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

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 FAIR COLLECTIONS & O. Transunion Credit report credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonabl
Product: Student loan

The amounts of the Federal Department of Education loans are incorrect. The collection agency that claims this account was refreshed in XXXX and again in XXXX is fraud. I have not contacted the agency or made any payment or communication to these agencies about this loan at either date in either year. They also used credit references I never used nor would I ask to use. I didn't know these people before XXXX. I haven't spoken with either one of these so called references in over XXXX. XXXX XXXX used as a credit reference is also listed in XXXX XXXX California and his address was in XXXX XXXX. It also used an address in reference to me I have never lived at in XXXX California. This information to refresh this loan was obtained by an employer who illegally fired me because I asked this employers for my XXXX, had I received that XXXX I would have found out they had never reported me to the state of California over that year. This delinquency has caused me a lot of financial hardship by sandbagging my credit scores. I have perfect payment record for more than 7 years now and this harming my credit rating severely. This fraudulent information needs to be removed from my credit history immediately. The information used by the collection agency from my fraudulent prior employer was illegally obtained from this employer is illegal in itself. The collection agency then used this false information to fresh this loan in XXXX and XXXX. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax and XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX   (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of TRANSUNION to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), TRANSUNION has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Date Opened : XX/XX/XXXX Date Report : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that TRANSUNION has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of TRANSUNION may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX LIKE WOULD A FREEZE OF ALL MY CREDIT FILES ASAP.
Product: Credit card

I have a credit card with Capital One. Initially, there no issues. In the last 6 months it has been a nightmare - much like XXXX XXXX. They refuse to allow me access to my online account. They also have refused to send me paper statements or send me any alerts whatsoever on my account. Since I have to make a " blind '' payment ( almost every month ) to avoid my credit being ruined, I have no idea if there are any late fees, etc. associated with the past due minimum. I don't know what I am paying. 

I am never allowed to see the online account -- they state it takes days to process the past due payment before the online account opens back up for me. Also, they refuse to send me any text or email alerts. I NEVER hear from Capital One. When I call them to resolve, it's the same game each and every time for about an hour on the phone. They're combative refusing to answer any basic questions. If I could afford to pay the card off and close it I would. I can't and Capital One knows it. This conduct seems systemic amongst these creditors.
Product: Checking or savings account

I believe that the HSBC bank is needlessly engaging in conduct that enables identity theft. I have not to my knowledge been victim of any fraud yet, but I feel I need to escalate this, since it is my impression that a large number of customers could be exposed through this leak. 

The issue is this : HSBC asked me for my mother 's maiden name, and SSN upon opening my account, and asks for them when I call them on the phone, all of which is of course customary. However, what I discovered is that having logged in on their online banking website, the browser shows me my mother 's maiden name, and the last four digits of my social security number ( on the " Apply for Credit Line ''  subpage ). There is no reason for the website to show that information to me, on the contrary, if a hacker manages to get a key-loger on my computer, to lift my login and password, they would be able to leverage the HSBC leaking my last four of SSN and mother 's maiden name to be able to impersonate me on phone calls to HSBC or other banks. 

I am not familiar with the law, but I would expect it to state that one can not propagate personal information of customers except if there is good ( business ) cause, of which there is none here. Also, I would expect that banks are under obligation to make a good faith effort to verify my identity, if they get a phone call from me asking to make a wire transfer, but I can not see how HSBC can claim that asking for my mother 's maiden name satisfies that obligation, when their website leaks that piece of information to anyone with a keylogger. 

I have pointed this out to HSBC representatives in no uncertain terms, but the response I got was that they would " pass on '' the information to their web development team, without acknowledging the seriousness of the situation.
Product: Credit card or prepaid card

The company is named Quadpay and it allows you to purchase items and make installment payments which it takes from my credit card on file. I opened a Quadpay account and set up a maximum purchase balance of {$200.00} dollars. Quadpay breaks up the balance into 4 payments of which the first installment is made immediatley. Thus, {$50.00} dollars was withdrawn from my credit card associated with the Quadpay account. I only spent {$42.00} dollars of the {$200.00} and have been attempting to get get Quadpay to refund my {$8.00} dollars and stop charging me any further installment payements. They are impossible to reach as I have sent them numerous emails and opened a fraud case with them. I only receive stock responses back and I can't respond to them. I just received a notice that they are going to be taking another {$50.00} dollars from my credit card. Again, I have attempted to get them to stop charging me for money I have not spent. I am left to file a complaint with the CFPB. Quadpay is an XXXX company under. There is no customer service number to contact a human being. Please help! I have found other indviduals that have been abused by this company. I have left two reviews on XXXX warning others of this fraudulent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an case filed against me that included " malicious intent. '' and " check fraud ''. I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an allegation made against me by " XXXX '' that included " malicious intent. '' I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX XXXX on XX/XX/23 is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has charged my bank check card {$110.00} for the seven months ( beginning in XXXX 2015 ). Experian allowed XXXX people to fraudulently use my bank card to open Experian accounts. My check card was billed 4 times monthly for {$29.00} for seven months totaling {$830.00}. The Experian manager stated that she could not refund the money that my bank would. My bank will only refund two months because my debit card was used for those transactions. Experian closed the fraudulent accounts and provided this information : 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

Transunion on XX/XX/year>2025 you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the re-investigation by mail BUT you did not?! ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/2023 I received a credit declination letter from XXXX XXXX XXXX, which obtained negative and inaccurate information from Early Warning Services LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my account closed yet account details show I have money in my account. I have charges added to an account and credits moved in my name on an account I have no access to. My account says that I have paid an amount that the bank refuses to give me access to. The bank refuses to give me evidence of a legal binding contract with my signature as well as their signature. Upon requesting my contract I was redirected and sent from person to person with no resolution until finally I was sent some literature said to be my contract, yet had no identifiers to me. The bank refuses to show me proof of their consideration equal to my {$5000.00} deposit. The bank has classified me as a corporation and ignored my human rights to live as a man and has attempted to deceive me when I asked for clarification. I have asked for my legal contract and my account history to prove they have been charging me illegal fees. This bank has retaliated and attempted to intimidate me by moving my deposit date causing automated bills to not go through while they casually offer to release my funds on the regular date for a fee. This has transpired for 8 plus months. 

When I contacted the depositor of my funds as the bank requested I was told it was not on their end as nothing had changed. I move my deposits to a respected institution just to see my funds deposited on its origin release date that this bank mysteriously had no reason as to how this was possible. Ive called to resolve this matter but have cleverly been given misinformation. Said misinformation can proven to be beneficial for this bank monetarily and I suspect Im not their only victim as Ive dealt with multiple departments and this abuse is practiced institutionally. This bank also refuses to report my balance accurately which shows an inaccurate balance which depicts me in a negative light and has affected my financial mobility and reputation. This bank is creating instruments in my name and doing back door bookkeeping as well as using my signature for monetary gains without disclosing to me they could do this. Last contact attempt this bank hung up in my face for asking for clarity of its practices and has admitted to its misleading practices by apologizing for its associates who mislead me, who they sent to explain my contract yet knew nothing of what my contract stated, and they corrected or return some of the illegal fees collected only after rigorous complaints and suggestions of a need of an audit of my account. 

I have written to the president of the company only to receive more retaliatory behavior which has caused my detrimental financial hardships.
Product: Credit card or prepaid card

on XX/XX/2019 I finally received the special made for me XXXX XXXX, one for XXXX and one for sleeping with from XXXX. XXXX XXXX XXXX. and they do not fit and the craftsmen ship is so bad on the XXXX appliance it nearly sliced my finger open while trying to XXXX XXXX XXXX XXXX XXXX. So sharp that if I were to have even been able to wear it it would cut my XXXX open. The XXXX XXXX is a little better but is also not made very well. I was charged {$8500.00} for these XXXX XXXX I can ton use. I have shipped them back to XXXX. XXXX XXXX XXXX in XXXX XXXX. I am dispusting the total of {$XXXX} also If XXXX XXXX XXXX is in fact a DOCTOR of XXXX then him and his office staff should have also abtained from me my medical history including any and all medications I am on befor any XXXX work is to be done. I am a XXXX   person and should be perscirbed XXXX  prior to any work being done as I have a XXXX XXXX that should have been addressed. XXXX XXXX XXXX is not a doctor that wants people to get well he is a scam doctor that is just out for the o'l mighty dollar. I believe that care credit/synchrony bank and XXXX XXXX XXXX XXXX are inguaging in unethical business dealings as well as preitory lending and violating the fair credit reporting act. It is also against the law for my account number to be listed in its intirety on my bill.