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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality undeXXXX 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 informations inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Debt collection

On XXXX disputed this bill with Consumer Financial Protection Bureau , and it was removed by Paragon Revenue Group. This bill was re-added to my credit report XX/XX/2021 you on for {$4800.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$90000.00}
Product: Debt collection

I did contacted this company named MS Services LLC. I did sent the money through XXXX XXXX for them so they can delete the negative information. Apparently, they did not.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On or around XX/XX/2021, there was a new account on my XXXX  credit report as collections. The company was Sequium Solutions, the collection agency for XXXX XXXX. I called Sequium twice to resolve and when i mentioned id theft, the representative hung up on me, both times. The first representative mentioned an address of XXXX XXXX in XXXX, TX, which i was NEVER a resident. I then called XXXX XXXX and they do not have an account for me.. not by name, phone number or ssn. How do i get this off of my credit report?. I have disputed once, but they claim the account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. This is not a duplicate, also i am a living human being. 

I am envoking my rights as given to me in the FCRA and the FEDERAL FACTS ACT!!!! 

( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate.

Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 


This means that in complaint # XXXX The CRA TRANSUNION is out of time there was no written notice of an additional 15 days needed and the FCRA strictly requires that to be present for the extension of 15 days to be awarded and no whwere does it state that the cra may have 30 additional days I am envoking my right to have the XXXX credit file in question removed from my credit file /report for the CRA did not meet the reinvestigaive requirements set forth in its Bound Laws the FCRA so cfpb please see to it that trans union removes this file with out haste
Product: Credit card

I have a new phone number and new address and I have tried to update this with Capital One, however they are not able to accommodate my request within their system despite my best attempts and multiple escalations. After I told their agent that I am complaining to CFPB and that I have recorded their calls, they filed an internal complaint and now refuse to speak to me over the phone stating that their system is down ( I also recorded this as proof ) the problem : XXXX. As a consumer I have the right to information on my account such as my balance, recent transactions, payment history.

2. Capital one refuses to update my address and phone number stating that they need to verify my ID, and they are not willing to accept my United States Passport or my Passport Card. ( these are two valid forms of ID that I used to open my account ) I have no other ID, eve though I offered my birth certificate as well. 

3. My personal data is being sent to an old address that is now someone else residence, this means that I don't have access to any communication including debt collection. I am concerned that someone else is getting my statements.

4. I am unable to update my phone number for the same reason, they state that I lack a state ID, however I simply do not have this, nor do I have the means to obtain.

5. I am unable to make purchases because I can not receive the security PIN, it keeps going to the old number.

6. The biggest problem is that I can not login online, nor can I update my address to get statements meaning that I have to call in to XXXX to get status updates, verify transactions, and I'm concerned that the information may not be accurate or complete, and it is also very time consuming as to call in requires going through verification and hold times.

7. I believe that by law as a consumer I have the right to receive statements by mail to my designated address, on the last phone call I clearly provided this address to the agent and she acknowledged it but was not able to update. 

I believe XXXX is out of compliance with at least one federal law, which is their duty to maintain updated customer information. Because I don't know how much I owe or payments, now the card is going into collections and this will impact my credit score. 

I Have attached the XXXX recording of phone call. If you are not able to download or access the recording please reach out to me. I have also added the recording on XXXX and I can send the link if needed.
Product: Vehicle loan or lease

Attention JD BYRIDER, My name is XXXX XXXX And I BROUGHT a XXXX XXXX XXXX and have been making monthly payments direct deposit TO CNAC and I made the Payment for XXXX, XXXX and XXXX and CNAC employee claims that XXXX XXXX XXXX didnt pay CNAC And I have my bank statement as proof I paid my vehicle and told me my car I DRIVE could get repo and this is an internal JD BYRIDER SCAM and my XXXX XXXX XXXX bank statement will prove this for 3 payments of {$430.00} paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX from the beginning of this Sale the Saleswomen sold me a Lemon and the SUV had a Bad Computer system and Catalytic Converter and bad brakes with a state inspection sticker. I want this sale non-void and Nullify and invalidate this Criminal Sale of a used car and tricky me to buy the XXXX XXXX XXXX XXXX with full Knowledge of the Vehicles condition and just made this Lemon Sale to me and charging me {$430.00} a month for A worthless SUV. the Vehicle is still with a Malfunction of the SUV computer system and no brakes and now the SUV Transmission is slipping to top off the Lemon Deal and I mainly use my Vehicle Purchased with VA Compensation Funds and use the SUV to go to all My VA appointments  because I am XXXX XXXX XXXX and I explained this situation To the Saleswomen and I have been Ripped off by JD BYRIDER AND CNAC Company and I demand my money back. 

I Remain, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XX/XX/year> I have disputed FDCPA violations that XXXX XXXX  has reported on my consumer report. The violations are 15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] 15USC 1692 ( g ) b. I have requested XXXX to cease and desist all communications and to correct inaccurate reporting. XXXX XXXX  has stated Please be advised that we can not effect a change to how any other company may have listed the above account on your credit profile. It seems like XXXX XXXX  is stating that they have no part in reporting of this inaccurate account. I have attached their response to this compliant.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { EXETER FINANCE LLC XXXX } due to them not properly investigating my account. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

On XXXX XXXX XXXX  attempted to obtain a payment for my XXXX XXXX XXXX, premium of {$930.00}, which has been accomplished for quite a long time with no issues. For some reason, Wells Fargo declined the payment, despite there consistently being an available balance of {$75000.00} - {$95000.00}. I believe it has not been below that {$75000.00} number for several years. The reason stated was " Declined due to daily limit exceeded '', despite virtually no other charges being processed of any relative significance within a long period of time. As a result of Wells Fargo 's negligence, my health insurance was cancelled, and the notification emailed to me was sent to spam. I only learned of the cancellation because a doctor attempted to use my insurance for payment and learned it had been terminated. So now I have NO health insurance! 

I have attempted to resolve this with Wells Fargo multiple times with no success. They will not tell me the reasoning beyond the stock answer they provided. I have asked in person and over the phone for details as to why, and everyone I speak to there says it makes no sense and should never have been declined, yet nobody apparently has the power or access to fix the issue. XXXX said that if they can get proof of Wells Fargo 's error they would reinstate my insurance, yet WF will not send a letter or get on a conference call with XXXX and myself. They seem afraid of admitting they were wrong in writing or any other significant manner. 

I need WF to rectify this by confirm this error either in writing or over the phone with XXXX and myself. Please assist in righting this wrong!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consistsXX/XX/XXXX XXXXXX/XX/XXXX TX {$700.00}, XX/XX/XXXX{$1000.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX {$180.00}, XX/XX/XXXX XXXX {$13000.00},XX/XX/XXXX, XXXX {$630.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has compromised my personal and financial information. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit report : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there are misspelling of my name reporting on my credit report. 
Below is a list of the names reporting on my Equifax Credit report that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX I would like my name to be reporting on my Equifax Credit Report as : XXXX XXXX XXXX
Product: Credit card

I purchased item from XXXX. Item was defective. XXXX authorized the return and I sent item back. XXXX confirmed they would refund monies, did not. Then I disputed charge and Capital One refused to resolve the matter claiming I did not submit proper documentation. I submitted evidence that the return was authorized by vendor, item was received by vendor, and vendor agreed to refund. Yet, this is not enough? 

Case Number : XXXX Returned Items XXXX Tracking Number XXXX Date XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Here are the requested documents for this Dispute. 
The original invoice ; Label receipt from vendor ; Proof from vendor they authorized, received, and were to refund me ; The XXXX proof the items were delivered back to vendor. 
Merchant : XXXX Purchase Date XX/XX/XXXX Disputed Amount {$220.00} Return Delivery Date : XX/XX/XXXX Date Item Arrived at XXXX XXXX XXXXXX/XX/XXXX The vendor made it clear the item could be returned for any reason, and return would be free. I returned the merchandise because it was missing parts and damaged. The vendor emailed me authorization for the return and a return label which I used to send back items. They sent an email confirming the items were received and a refund was pending. This refund never happened, and I never received my monies back. 
Cordially, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has fraudulently closed all of my accounts and reported me as deceased. This has caused me tremendously hardship and loan denials. I have a XXXX credit score. I want this corrected as soon as possible and I would also like to know who reported this false information. If this information isnt corrected within 72 hours I will seek legal action. When a consumer reporting agency declares you dead when you are not, they are walking a thin line toward defamation and damage to your reputation. Under the Fair Credit Reporting Act, I have cause for seeking financial compensation. When credit bureaus mistakenly report someone as dead but have not taken steps to verify this information, they are violating the FCRA. And they should be held accountable for failure to do their due diligence. I want my credit report to reflect fair and accurate information. There is NO death certificate. I am alive and well. Please have this corrected asap
Product: Credit reporting or other personal consumer reports

The statue allows for multiple reinvestigation. 

The following accounts has fraudulent charges made to them. 

Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got a debt Collection notice on credit Report on XXXX2021. I never received a phone call or email from this company. They just started adding Degatory marks on my credit with out reaching out to me. I made contact with Sunrise credit services and requested information which they claimed they will resend the email and I should receive it with in 24hrs and I never received it the email. I have checked all my email folders including junk folder. I even reached out to my parents and I havent received anything from them in the mail. I feel like this company is hurting peoples credit without reaching out to them.