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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2022 I received a mail notification of " Final Request For Overdrawn Payment '' from Citizens Bank XXXX Citizens Bank, N.A. ). The amount overdrawn per the letter is {$45.00}. The letter included the correct home address and correct name spelling. It also included the final 4 numbers of the bank account.

I do not have and never had a Citizens bank account.
Product: Credit reporting or other personal consumer reports

I received a copy of my Transunion credit report, and noticed several inaccurate information that was reporting. The Fair Credit Reporting Act, ( FCRA ) is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. I would like to correct information reported to my Transunion report. Please see the following information. 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 : ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 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 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers on dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

old information on my account addresses need to be deleted on account
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which i acquired from your organization on XX/XX/2023 and i noticed that these unauthorized inquiries had been made.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several inaccuracies related to my XXXX XXXX account ( Account XXXX : XXXX ), including errors in the reported credit limit, last payment date, term length, late payment activity, and date of the last report. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally obligated to maintain accurate and complete information. These errors are in violation of this obligation, and they have the potential to misrepresent my financial standing. 
Under the authority of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of reported information, I am writing to formally dispute the inaccuracies related to my XXXX XXXX account ( Account XXXX : XXXX ). The errors include incorrect reporting of the credit limit, last payment date, term length, late payment activity, and date reported. 

As required by law, I am requesting that these inaccuracies be thoroughly investigated and corrected. Due to the nature of these violations, I am requesting that this account be completely removed from my credit reports across all three major bureaus within 15 days. Failure to rectify this promptly may result in further legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this matter
Product: Debt collection

MY FATHERS RESIDENCE AND THEY HARASS ME CONTINUALLY.
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. 
( XXXX ) DepedXXXX # XXXX {$21000.00} ( XXXX ) DepedXXXX # XXXX {$12000.00} ( XXXX ) DepedXXXX   # XXXX {$10000.00} ( XXXX ) DepedXXXX # XXXX {$7700.00} ( XXXX ) DepedXXXX # XXXX {$7400.00} ( XXXX ) DepedXXXX  # XXXX {$7100.00} ( XXXX ) DepedXXXX # XXXX {$5900.00} ( XXXX ) DepedXXXX  # XXXX {$5700.00} ( XXXX ) DepedXXXX # XXXX {$5500.00} ( XXXX ) DepedXXXX # XXXX {$5500.00} ( XXXX ) DepedXXXX # XXXX {$5300.00} ( XXXX ) DepedXXXX  # XXXX {$4500.00} ( XXXX ) DepeXXXX # XXXX {$3500.00} ( XXXX ) DepedXXXX # XXXX {$1300.00}. 
15 U.S.C. 1681 section 602 A. States I have a 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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: Mortgage

We have paid our mortgage payments on XX/XX/2019and on XX/XX/2019 and have not had them applied. Our accounts shows that we currently have a balance to pay for those two months, but we have proof that we have paid them. I also wanted to make sure we were not being charged interest for the amount that has been paid. I contacted the lender several times and they say its a computer issue affecting many others and should be fixed shortly. But it has been over two months already and it has not been fixed.
Product: Debt collection

I receive multiple phone calls and  text messages over the past three months from an organization calling itself the " Student Loan Help Center '',  which apparently is based either in southern California or Florida.     I have repeatedly told this company that   : 1 ) I did not request any information from them 2 ) My phone number is on the Federal Do Not Call List 3 ) That I wish to be removed from all future communications.
Despite this, I continue to receive robocalls and SMS messages.
I do not have a business relationship with this company ; not do I want to have a business relationship with this company.
I have verified that my phone number is and has been current on the DNC List. I have filed complaints with the FCC, the U.S. Department of Education, the CA Attorney General 's office ( where I reside ), and the FL Attorney General 's office ( which may be where this organization is headquartered. I have also informed my Member of Congress of this issue.
I have asked to speak to the organizations General Counsel to   file a formal complaint ; at which point the person hangs up the phone.     I believe that this is the website of the company that calls me : http : //thestudentloanhelpcenter.com/ I block the phone number each time, but they always call from a different number.  On one call,  the voice recording said that the phone call was made using  XXXX   XXXX , a  VOIP  provider.
Product: Credit card

I've open amex biz plat card on XX/XX/XXXX, When I confirmed the sign-up bonus these days, the amex agent claimed that my bonus was declined and gave many excuses, including I'll check for the details. Please stay online with me while I check on this XXXX XXXX Thank you for your patience I see that yor new card is not eligible to receive the welcome offer. In determining eligibility, we considered your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. and Upon reviewing your account, yes, it shows that your welcome bonus for your card ending in XXXX was declined. This is because you have or have had the Business Platinum Card or previous versions of this Card, you are not eligible to receive the welcome offer. Previous version is your Business Gold Card. 


Regarding the first point, I did not receive any pop-up window or notification when I opened the card, and no one informed me. The second point is not in compliance with the terms of Amex, because the Biz Gold Card and Biz Plat Card I have do not affect each other, and Amex does not have any relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed and sent certified letters, called 4 times and have messages on XXXX with a rep. 

This started XXXX of this year.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX  Employer - XXXX Employer - XXXX Listed below are the Collections that are being challenged 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 XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputed the fraud bankruptcy on my credit report since XX/XX/2020. The bureaus have failed to continuously failed to provide verifiable proofs showing the bankruptcy is mine let alone even initiate the investigation for the dispute. 8 months into a 30 day process and I have seen no progress. The bureaus are blatantly violation my rights under the FCRA and seem to think that there would be no repercussions. This is my last choice before I start paying a lawyer instead of the post office for certified mails.
Product: Checking or savings account

In response to letter I sent on XX/XX/XXXX, requesting XXXX Bank preserve all evidence of the theft of over {$900000.00} ( previously reported Bank XXXX XXXX XXXX XXXX XXXX, XXXX Bank closed XXXX other accounts on XX/XX/XXXX without notice and mailed the checks on XXXX or explanation was given. The checks were # XXXX & # XXXX. No previous accounting of any of the money even though the theft was based on perjured statements. The person given the money was not legally entitled to do the job. XXXX XXXX XXXX ( a marketing VP ) apparently actually participated in the robbery. When a audit flaw in procedures was discovered at the bank, it was not corrected. XXXX Bank has either willfully been lax or a participant in these crimes in conjunction with elected officials in XXXX XXXX. All of this apparently was done to cover other crimes at the bank, including loan fraud by XXXX XXXX XXXX. <ref>https : XXXX Auditors made false statements to hide the crimes and were rewarded. This theft has been going on since XXXX of persons accounts with solicitors of XXXX townships.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX  XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

This Creditor is reporting incorrect information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick and tired of dealing with the credit bureaus I have been trying to get them to remove all this misleading information from my credit report and nothing has been done to help me. I sent letters to this this year on XX/XX/21, XX/XX/21, and XX/XX/21 to let them know the errors and I have not heard anything back from them. I didn't get any mail, email, call, text, nothing. I make okay money now but can't get approved for anything this is holding my life back I need help someone must stop them!
Product: Money transfer, virtual currency, or money service

I had several payments go out of my account from Zelle which I couldnt receive back totaling {$5500.00} over the past couple years and chase or Zelle will return my funds
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Clients Need to Dispute : 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 XXXXXXXX  Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed my consumer report, and I have tried to reason with Transunion about this FCRA error on my credit report. I went car shopping to get a car, and the company DID NOT inform me that my credit would be ran. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. 

I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. 

I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! 

The inquiries are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Consolidated Management Group Called me XX/XX/2018 and told me that they were attempting to collect debt for XXXX XXXX, XXXX and that I owed {$240.00}, and the male representative at the time said if I didnt make a payment that same day on the phone that consolidated management group was going to send an investigator to serve me papers to pay what I owe and additional {$200.00} dollars because he had to come out to my house to serve me the papers. Way before I spoke with the representative a man said he was on his way to serve me debt collections papers and in order for him not come and serve them to me, that I would have to speak to a representative from consolidated management group. I called the phone number he had given me and thats when I was being threaten, and I didnt have enough money to give him the full amount. So, I tried to make a payment arrangement and he said no that he wasn't going to work out a payment plan with me but that I would pay him {$150.00} that week, and again he tells me and if I didn't they would send the investigator a long with the debt and I would have to pay him the full amount and on top of that the {$200.00} dollars for him coming out to serve me. That week I paid him the other half even when I was short on money, after, I had to go to my doctor for XXXX because I was afraid that they were going to send the investigator. My doctor from XXXX XXXX prescribed me XXXX pills. Then 2 weeks later on XX/XX/2018 my parents were going on a trip we left pretty early in the morning and I hadn't get home until XXXX. I checked the phone messages it was the same male representative from consolidated management group telling me if I didn't comply with the agreement he was going to send the investigator the following week if I didn't get back to him. I also noticed on the caller Id he called me four times a minute a part from each other. When I called him back I told him I wasn't able to make the payment and he said to me " oh well I guess I have to give your debt to the investigator so he can serve you the papers ''. I explained to him that I lost my credit card payment and that I was expecting the new card next week. He proceeded to tell me and yell at me if I didn't follow the agreement that he was going to send the investigator. 

This was unethical and abuse of business practice I shouldn't have to go to my doctor to get treated for XXXX because of threats from this company and its team member. I received a letter from consolidated management that I paid it in full the whole {$240.00}. I tried to down load it on my computer but I have trouble downloading the document in question.
Product: Debt collection

Re : Accounts ending in XXXX and XXXX Capital One Case : XXXX CFPB No. : XXXX I disputed both account # XXXX and # XXXX with Capital One for these two accounts. Capital One sold both accounts to a collection agency. Captial One chose one account # XXXX to request back from the collection company and did not request the second one back. They both have the same dispute errors mentioned. I am requesting the specific reason as to why Capital One chose one over the other when both accounts have the same issue and are listed the same way. 

How can this be fair business practices? I am requesting the details of why they requested this account be removed and returned to them and not both.
Product: Debt collection

This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used.
Product: Credit card or prepaid card

On XXXX, I had a balance of XXXX} on Citi card account ending in XXXX. The 0 % interest offer was set to end XXXX XXXX XXXX, 2021, I took out a 0 % XXXX card to transfer the amount which included a three % transfer fee. On XX/XX/XXXX, I was told by XXXX  that the transfer could not occur for 8 to 10 days, which was past the 0 % date for Citi card. I did not want to pay accrued interest on Citi card so I transferred {XXXX} from my HELOC with XXXX XXXX XXXX XXXX XXXX and paid it off on or about XXXX. I contacted XXXX and requested a cancellation of the transfer but they said they couldn't cancel the request and the actual transfer went through on XX/XX/XXXX. I now have a credit balance of {XXXX} with Citi card. I requested on XX/XX/XXXX that this be returned to my bank. I was told it would take 2-3 working days to return the funds. On XXXX first I called Citi card and was told it would take 7 days to return the funds. On XX/XX/XXXX I called Citi card and was told it would take 7-14 days to return the funds. 

The funds have cleared my bank. There is no legitimate reason for Citicard to hold my money. It can be returned to my account with the push of a button. They are getting interest on my XXXX} and I am paying interest on it. Please help expedite the return of my money. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX U.S.C XXXX section XXXX states that I have a right to privacy. 

XXXX XXXX XXXX Section XXXX Section XXXX states that a consumer reporting agency can not furnish an account without my written instruction. 

I did not give anyone written instruction to report the account listed below to my credit report. 

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

the attached document is proof that XXXX XXXX should be removed from my report ASAP. 

Along with XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX and XXXX XXXX