23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit bureau made aware I was a victim of identity theft. Of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with redacted unknown account numbers and I have never done business with Acceptance Rentals. Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a false, inaccurate, and unverifiable account on my credit report. I have written to them many, many times over the past few years regarding this account. The account to which I am referring is XXXX  xxxxxxxxxxxx XXXX. Under the FCRA this account MUST be deleted immediately because when I wrote to the original creditor asking for any verification documents they may have on this account I found that the account numbers are TOTALLY and completely different. I also found that XXXX sent the billing statements to addresses I've never resided at, and that the address they sent their verification to is different than the one on the alleged account. The account number sent to me by comenity bank for this account is XXXX. As you can see, that is a TOTALLY different account number than what equifax is reporting on my credit. Under the FCRA, this account MUST BE DELETED IMMEDIATELY! I am not sure why it is so difficult for them to get this right! 

Please forgive the fact that their cover letter is wrinkled and dated from XX/XX/2021. I requested this verification months ago, and I have been very unsure on how to proceed because once I got this document, I was SURE that my rights are being violated. I have contemplated reaching out to an attorney as I've sent this SAME information to the credit bureaus several times, and they continue to report this false, inaccurate account on my credit. Because my verification from commenity bank proves the inaccuracy of this account, please remove it from my credit immediately. There are entirely too many discrepancies in this account for it to be accurate or verifiable, and at this point, it MUST be deleted from all of the above credit bureaus. Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports I, XXXX XXXX, give NO consent for this account to be reported by any of the credit bureaus listed above. The federal law is listed below : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written instructions were sent to Equifax on XX/XX/2021 asking that because of the nature of how inaccurate and false this account is, and under the above-stated law, this account is removed. I sent this via certified mail. Below I listed the tracking numbers so that you can see the exact date which these letters with my written instructions were sent to these credit bureaus. I've also included the certified mail receipt for each of the credit bureaus in the attachments. I am perplexed as to why this is still on my credit report when I've provided my proof and cited the law. The tracking number is Equifax : XXXX XXXX XXXX XXXX XXXX. My rights are being violated by this account being on my credit. If it is possible, I would like to sue Equifax for {$3000.00} each for not removing this account after receiving my written notices under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Debt collection

Discover set up payment arrangements for my accounts in the amount of {$31.00} per month due to my financial hardships and then they charged off my accounts and has repeatedly harassed me by calling me every day for weeks.
Product: Checking or savings account

Capital One is engaging in a classic and gross bait and switch. They sold their XXXX XXXX XXXX  account years ago as their highest yield savings account. After gaining a bunch of customers, they dropped the XXXX XXXX XXXX  interest rate from XXXX to XXXX and snuck in a new account called the XXXX XXXX XXXX account that earns more than double the interest rate without notifying existing XXXX XXXX XXXX account holders that there was a new account with all the same features only a higher rate of return. Effectively cheating their existing customers out of earnings they would have had.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

On XXXX XXXX, XXXX while reviewing my credit report I noticed a debt was recently reported by Williams , Rush & Associates for a contract that I signed with XXXX XXXX in XXXX, TX. The amount of debt reported was {$8400.00}. On XXXX/XXXX/XXXX I contacted them and informed them that the debt reported was inaccurate. In addition, I sent 2 letters to them stating the debt was inaccurate and should be removed from my credit report. I also asked them to verify the completeness and accuracy of the information being reported and to provide copies of any documents bearing my signature showing I was obligated to pay {$8400.00}. They have failed to provide documentation indicating I owe this amount. I have also asked that they discontinue calling my personal number as well as other numbers listed as emergency contacts and instructed them that all future communications should be in writing. They continue to make daily phone calls to both my personal number and emergency contact numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize for any information on my Credit profile to be shared. the following account is invalid XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX
Product: Credit reporting or other personal consumer reports

This is regarding reporting of late payments and my privacy and consent was not given.
Product: Credit reporting or other personal consumer reports

I

am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TRANSUNION XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX 
XXXX XXXX Date Opened : XXXX Owed : - XXXX XXXX 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, we received a notice that the interest rate would increase to 23.24 % due to negative creditworthiness. However, on the same day, we also received a letter that our credit line was increased by several thousand dollars due to our credit worthiness. Are banks allowed to contradictorily raise the interest rate for negative reasons, yet extend the consumer more credit for positive reasons? If not, what are our remedies?
Product: Credit card or prepaid card

I had care credit earlier this year to pay for a dental procedure. I paid my account in full and closed my card. 2-3 months later I attempt to apply for a new account. I am denied through the preapproval application process. I contacted Sychrony and was told that I was denied because I didn't check the terms and condition box. I reapplied through the same preapproval process and checked the ONLY box that says " check here that you agree this is not a credit check ''. I was denied again and the message stated I would receive the reason within 7-10 days. I received a letter 7-10 days later and it says I was denied due to a previous application approval. I call back to care credit and spend 45 minutes on the phone only to be told I was denied due to not checking the terms and condition box. The representative told me to reapply through the preapproval process again and make sure to check the box. I was denied again with the same message to wait 7-10 days for their reason. I received another letter dated XX/XX/XXXX stating again that I was denied due to a previous application approved. I call back today XX/XX/2021 and went through the same process again applying through the preapproval process only to get denied again. I walk through the application process again with the representative and still denied. I an transferred to a manager who said that I am not checking the terms and condition box. I told him there is no terms and condition box and read what I saw. He said there is a part 2 to the application where I have to press the box for terms and conditions. How am I suppose to check a box or move on to part two if I AM BEING DENIED AFTER I SUBMIT THE FIRST PART. He told me that I could try to apply with a coapplicant and I declined due to the fact I am qualified on my own! He told me I would need to have the place I am needing to get my surgery done apply. No one is able to tell me why I am being denied credit and the letters that are suppose to tell me why are only saying it is because my previous application was approved. Care credit shows no approved application.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informationisinaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proess was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I'm getting emails about a balance owed on a card that was opened in 2016 that I didn't happen.
Product: Credit reporting or other personal consumer reports

To whom this may concern, According to the IRS an unpaid or paid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account listed below. 

( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account as this is misrepresentation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for {$9000.00} does not belong to me. Debt was sold from XXXX XXXX to XXXX XXXX XXXX and does not belong to me. Please remove from XXXX and XXXX Credit Bureaus.
Product: Vehicle loan or lease

I called Wells Fargo an told them I lost my job and couldnt pay for the vehicle any longer. So I cleaned the car then told them to pick the car up. After that they sold the car for {$40000.00} then sent me a bill for almost XXXX saying I had to pay the remaining balance. And I only owe {$37000.00} on the car. Now they have destroyed my credit. Please help.
Product: Checking or savings account

My Bank of America XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account was closed in error because of alleged " fraud '' on my accounnt in XXXX. At this time, I was not aware there was actually a positive balance in my account of approximately {$1900.00}. I called to check on this account after reading about Bank of America being fined XXXX for not dispersing account holders funds from the pandemic because of alleged " fraud ''. I was advised that there was a balance in my account of {$1800.00} which the bank would send the balance in a check to my address. It has now been about a month and I still have not received the check for the balance owed to me from my account that was closed in error because of alleged " fraud ''. I have had to go into a Bank of America banking XXXX 5 different times to prove my identity and have easily spent in excess of XXXX hours checking in as to where my check was, where it was sent, etc. Each time I have spoken to the bank, their accounting of the process has been different and increasingly vauge.They couldn't advise if the check was sent out via XXXX or the USPS. My partner and I are currently homeless and this money is certainly a difference maker in our lives. Allowing us to lease a car to drive for XXXX as well as be able to lease a room or our own apartment. As of today, we were asked to wait another 3-5 business days so the bank could figure out where the check was and if there is a tracking number with it- this is after we were advised that the check was sent to us on XX/XX/XXXX. Once again, out of the multuiple calls that we have made to the bank, not one of the calls has has had consistent or accurate information. At this point, we feel as if Bank of America is making their story up as they go along and wonder if and when we will receive the money they have fraudulently held onto for over XXXX years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX accounts, that appear to have late payments on them, I was never givin a due process on this, plwase see attached
Product: Debt collection

My husband died on XXXX/XXXX/16. He does not have an estate. There are no funds to pay the debts. I notified all of his creditors. XXXX has continued to send bills, text messages & unlike other creditors ( XXXX, etc. ) has n't sent any letters. However, I have received calls from DCM Services which does not provide information about the debt, etc. I have told them twice that there is no estate, that I want them to stop calling me & asked the name of the creditor. Both times, they hung up the phone but continue to call asking to speak with someone handling my husband 's estate, but again fail to advise on who 's behalf they are calling. This is harassing and I find it reprehensible. I need this to stop asap. NOTE THAT I AM PROVIDING MY HUSBAND 'S social security number as they are trying to reach his estate
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score appears to have a hard inquiry on a line attempt with Target. I have never attempted to achieve credit with this company and would like to have this inquiry removed.
Product: Credit card or prepaid card

BODY of COMPLAINT On Friday, XX/XX/XXXX the plaintiff made on line transfer of ( {$1500.00} ) XXXX XXXX XXXX XXXX XXXX dollars from a Key Bank checking account to his Key XXXX Acct ending in XXXX. These funds were immediately withdrawn from the plaintiffs checking account. However, the on-line transaction was not posted by the bank to the XXXX account until XX/XX/XXXX and did not show on line until sometime on Tuesday XX/XX/XXXX. At the same time a disputed XXXX transaction in the amount of ( {$210.00} ) XXXX XXXX XXXX dollars and XXXX XXXX, was credited to the plaintiffs XXXX  account. This resulted in a {$210.00} credit in the plaintiffs XXXX account.
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On or about Tuesday XX/XX/XXXX The Plaintiff visited the Key Bank Branch in XXXX, Maine and requested the {$210.00} be transferred back to his account. The plaintiff was told that it would take a day or two. The Plaintiff was also told that if he electronically transferred that amount out of the XXXX account to his checking account, that transaction would be considered a cash advance and a cash advance charge would be issued even if those funds represented an over payment or credit balance.
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One Friday XX/XX/XXXX, the bank told the Plaintiff that he would have to wait untilXX/XX/XXXX before he could ask for those funds to be returned and that if he wanted a cash return rather than a transfer it would take another ten to fourteen days for them to mail a check to him.
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CHARGE The plaintiff charges the defendant with unfair trade and banking procedures and class E theft by deception, ( A person is guilty of theft if : A. The person obtains or exercises control over property of another as a result of deception and with intent to deprive the other person of the property. Violation of this paragraph is a Class E crime ; or [ 2001, c. 383, 34 ( NEW ) ; 2001, c. 383, 156 ( AFF ). ] Unfair trade and banking procedures : The defendant is guilty of taking and using the plaintiffs money without permission, controlling those funds and not paying the plaintiff interest on those funds until and unless the plaintiff agrees A ) To transfer or withdraw those funds and pay the fees for a cash advance B ) Waits until XX/XX/XXXX and then transfer those funds or request a check be sent to him which could take up to an additional two weeks.
C ) Use those funds towards new purchases Because of the current issues with Key Bank and XXXX, the plaintiff has started the procedure to move his accounts to another local bank and wishes to close this XXXX account. Therefore Item C is not a valid option for the plaintiff and forces him to continue with using a bank and credit card that the plaintiff no longer has any faith and confidence in.
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Proper Jurisdiction The plaintiff concedes that Key Bank is a federally chartered bank and is subject to administration by the Consumer Financial Protection Bureau ( CFPB ) as  chartered in XXXX and is not under the guidance or control of the Maine Banking Commission or its commissioner and that the CFPB is the proper adjudicator for this grievance.
Product: Debt collection

THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT P AND C, THEY MUST DELETE THIS IMMEDIATELY!!