23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXXXXXX XXXXXXXX : XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I filed a claim with Wells Fargo about SEVERAL FRAUD charges i told them I did not use that specific company which was XXXX XXXX but I have used my XXXX  for a few other apps. When I found out my claim was denied i was furious I later talked to several people and got the same answer denied and nothing they can do. Then someone there say oh my funds will be credited back to my acct but that was a lie another executive named XXXX said that on XXXX XX/XX/XXXX when we spoke he saw the error that wells fargo made and i should have been credited because it was the error of an employee who entered in my claim wrong. They are still saying its closed my case manager XXXX who is reopening just got bavk to me yesturday friday XX/XX/XXXX I was told not by her but XXXX that i would have a credit in my acct by friday XX/XX/XXXX and we'll that's a lie too wells fargo is a terrible company I'm absolutely appalled at the customer service i have received what happen to 0 liability well that's a hoax if i have ever heard of one please help me recover my {$2600.00} please i will no longer do business with wells fargo or any bank in that matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is Reporting a collection Account that Should Not be on my Credit Report. I have contacted them on 2 Occasions & it has not been Removed. I contacted both XXXX & XXXX regarding the same Account from Some debt collection agency that should Not be on my Report & they Promptly removed this information.
Product: Credit reporting or other personal consumer reports

I ask XXXX, XXXX XXXX, Equifax to take bankruptcy off my credit report and they decline to take it off. Also the private credit ( XXXX, XXXX XXXX, Equifax ) reporting agencies are monetizing off my report. I very upset because my credit is effected, my family is suffering with this problem. I stress out and this has made me very XXXX  ... On the United States Bankruptcy Court Northern District of Texas does not report information to credit reporting agencies...... So they took my information to monetizing...... .this violated Fair Credit Reporting Act 15 U.S.C 1681 c ( a ) 1 XXXX account # XXXX # XXXX Equifax account # XXXX XXXX
Product: Debt collection

I am being sued by a Company UNIFUND CCR Address : XXXX, OH XXXX OWNER XXXX XXXX General Manager : XXXX XXXX, CFO Phone : ( XXXX ) XXXX / ( XXXX ) XXXX UNIFUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX T : XXXX ... ... ... XXXX XXXX XXXX UNIFUND is a debt collector which buys bad accounts from USA. 
banks like XXXX, XXXX etc. 
XXXX sold my name and all my personal information to Unifund. 
I NEVER HAD AN ACCOUNT WITH XXXX. 
I called XXXX they could not find anything with my social security in their system. 
I called XXXX, XXXX, XXXX, XXXX XXXX and there is nothing in their system about me with XXXX. Nothing at all. 
Nothing with XXXX in my entire life. 
Now UNIFUND is telling me I have a balance with them total XXXX. My reference number isXXXX. 
Since all this started in XXXX they started garnishing my wages. 
XXXX times a month they are taking XXXX this total are for the garnishing and garnishing fees that they add. 
The Unifund, lawyers office keep their mouth very close. 
So now I am paying for a bill that I never had, and is not mine. 
My personal information : XXXX XXXX XXXX XXXX California XXXX phone:XXXX XXXX email address XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian is knowingly and willingly engaging in Aggravated Identity Theft by attempting to collect on an extension of credit and punishing me for non-repayment, despite the fact that I am not the debtor as they are alleging. This action violates 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and RICO. This constitutes Identity Theft under 15 USC 1681a ( 3 ). The information I am requesting to be removed is not sent in error and is an affidavit of fact, thus there is no material misrepresentation of the fact. The account I want to dispute is : XXXX XXXX XXXX
Product: Prepaid card

My XXXX card was stolen before it arrived in the mail and activated and used. I found this out on XX/XX/year> when I called Money Network. The amount taken was XXXX. They issued me a new card but rejected my disrupt claim saying that the purchases were digitally verified. I have never set up a on our activated a card with them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 consists of a loans, credit cards, and any other accounts from XXXX XXXXXXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX with a balance of {$200.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 XXXX [ Enter Complaint XXXX  from FTC report ] 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 or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we were given ACH instruction from our vendor, XXXX XXXX XXXX We made an ACH payment of {>= $1,000,000} to the account number on First Horizon Bank in Tennessee on the bank letter on XX/XX/XXXX. First Horizon Bank contacted our banker, XXXX XXXX, on XX/XX/XXXX that the account that we made payment to has high amount activities that is suspicious. After investigation, we contacted First Horizon Bank regarding the account but they refused to give any information of the account.
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 debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company from my information XXXX. Please delete the following accounts. 

creditor : XXXX  Account Number : XXXX Balance : {$0.00} creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$27000.00} Creditor XXXX XXXXXXXX Inquiry date:XXXX Incorrect name ( s ) : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was in charge off status on my report from Equifax and XXXX I disputed the account and it was removed from XXXX but not Equifax. In XX/XX/2020 it began to show as an open account and as current which dropped my Equifax score down over 120 points. As of XX/XX/2020 the account reappeared on my XXXX account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XX/XX/XXXX! However if you look at the history of the account you will see it should not be reported as open and current!
Product: Credit reporting or other personal consumer reports

I had a auto loan opened in 2018, i have provided legal documents of a police report that shows that they auto loan account was opened fraudulently.. they never sent back any verifying papers to show that is was my account or auto loan.. 

XXXX : XXXX XXXX XXXX loan # XXXX Transunion : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Debt collection

Debt Validation & Notice Of Dispute To whom it may concern, This notice is Pursuant to 15 U.S. Code 1692 ( g ) as I have never received a validation of this debt from your company. I am requesting that your company provide me with the following documentation : 1. The name of the creditor to whom the debt is owed to 2. The amount of the alleged debt 3. A statement showing proof that you put me on notice that this debt would be assumed to be valid within 30 days I have never been notified that this debt would be valid by your company within 30 days which is a direct violation of the FDCPA. You also failed to send me the information above within 5 days of initial communication of the debt which is required in Section 15 U. S. Code 1692 ( g ) ( a ). I am disputing this alleged debt in the entire amount and with such dispute your company is supposed to cease collection of this assumed debt. Failure to cease to collect is a violation of the FDCPA. 

Please provide me with the above following information that is requested. 
I AM REQUESTION VALIDATION OF THE DEBT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. 
IT ALSO SHOWS THAT YOUR COLLECTION AGENCY IS NOT LICENSED TO COLLECT IN ILLINOIS. 

Affidavit Of Truth Notice to all, I am the consumer that I am, the consumer in fact, natural person, XXXX, XXXX, XXXX, living breathing woman, affiant, declare that I am majority and competent to state the matters set forth herein with first hand knowledge of the facts. 
Statement Of Facts : Facts that the Fair Debt Collection Practices Act protects me from debt Facts that the Fair Debt Collection Practices Act protects my right to privacy Facts that the Fair Debt Collection Practices Act protects me from misrepresentation Facts that the Fair Debt Collection Practices Act protects me from harassment and abuse Facts that the Fair Debt Collection Practices Act protects me from a debtor contacting me in any means directly Facts that the Fair Debt Collection Practices Act protects me from the legal actions by debt collectors Facts that my consumer report is supposed to be fair and equitable to me as the consumer Facts that consumers are supposed to be informed on the use of credit Facts that I was not informed on the use of credit Facts that I was deceived in the transaction Facts that Contract Callers Inc., is aware and has proof that Contract Callers Inc., is in violation of 15 U.S. Code 1692 ( d ) ( g ) ( a ) and 1692 ( c ) shown in Exhibits A & B In Witness Whereof, I here unto set my hand and seal on this day and hereby certify all the statements made above are true, correct and complete under the penalty of perjury in the laws of the United States Of America. 

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

I've tried disputing with capital one on more than three occasion but they keep reporting me late for the past 16 months although I have a written agreement with them
Product: Checking or savings account

I have sent the addendum for check stop twice. The first I sent it I was told I had to verify with some third party that failed. I was then told I can just resend the form again without my new address on there. I requested the check be sent to the mailing address the company has on file XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX as I still have family there and I can still get mail there. I have been going back and forth with this company many times regarding my hard earned money that they are NOT paying me interest on. I would love to have money back to me as they are just holding my funds without giving it to me. It has been a hassle and I have tried to take every revenue possible to get my money from this scandalous company. I am putting in another complaint for the same money I have been trying to receive since the summer. Just in case the company states they did not get the fax I sent I am attaching it to this complaint and hopefully I can receive my money at the address stated above. I have been trying to nice and patient as I know it is a big company and they deal with a lot of calls, but when I call I am being told there is no record of my account which is a bit weird to me. The XXXX XXXX I will be taking is seeking a lawyer to retrieve my funds and suing the company for distress and financial abuse.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : + XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX v. 
XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXXXXXX XXXX XXXX XXXXXX/XX/year> Delete these items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion 3 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to TransUnion. My next step will be to sue them. These are the inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. Informative XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 OF FAIR CREDIT REPORTING to section act ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was in Macy 's Department Store on XX/XX/2021 shopping with my Macys Platinum card to buy a suit. When I went to pay for the Suit the cashier talked me into opening a Macys American Express Card. He explained that i would get a discount on the suit and that the Macys American Card I could use anywhere not just Macys. He said I would receive my new Macys American Express card in the mail along with the bill and the discount on it .. TodayI just received A New Macy 's Silver Card not a XXXX XXXX XXXX and no bill, Since I already have their Platinum card I have no use for the Silver Macys card. I called Macys about this and they told me that this happened because XXXX XXXX turned me down so they opened the Silver Macys card. Prior to my visit to Macys that day my credit score was XXXX. Now I did not ask for that Silver Macys card and I am sure it will affect my credit negatively. If XXXX XXXX turned me down they should have notified me and after that Macys should have asked me if i wanted the Silver card. Not take it upon themselves to open a Card I did not ask for. I put in a complaint with Macys i spoke with a supervisor ID # XXXX and she explained what happened but she could not change it that i would have to keep the card. I Have had a Macys card for 10 years and never had any problems with my credit. I was told that I was getting an Upgrade on My Macys Card To an XXXX XXXX card. I was Lied to.
Product: Student loan

I attended XXXX XXXX in XXXX XXXX, Illinois from XXXX and graduated in XXXX from XXXX XXXX XXXX program. Upon completion, I did not apply for the XXXX for XXXX until recently. I was told that I 'm ineligible to take certification exam because XXXX XXXX College was n't accredited with their association or the XXXX association. However, when I applied at XXXX, like many former students I was misled. I am stuck with an.outstanding loan balance. I ca n't transfer my credits or essentially utilize my diploma because of the fraudulent claims against XXXX. This school made false accusations, promises and claims that was not fulfilled. Many formers students can attest to this. The school is no longer in existence and what are we as former students to do. If the school has been found to have been fraudulent and accredited but wasnt ... ..why was loans and financial aud awarded to students. Why do I have to reoay a XXXX loan back and literally do n't have NO EDUCATION THAT I THOUGHT I WAS OBTAINING. The dept of ed has claimed to be investigating this issue for quite sometime but I have not yet received a response. 
I appreciate your time and consideration. I look forward to hearing from someone in regards to my issue. 
Thank you
Product: Mortgage

I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In XXXX of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in XXXX and requested for them to report so this way my credit score will increase and I will be able to refinance. On XXXX 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.
Product: Checking or savings account

In XX/XX/XXXX, I realized that my money was disappearing from my checking account I had with BBT in XXXX, NC. I went to the bank an discussed it with XXXX XXXX and she claimed that it wasn't the case. The second time I went again she claimed that she knew nothing about it. Then she asked for my social security number and claimed she mixed it up with another customer with a similar social security number and nothing was done. After all was said and done over {$20000.00} has been taken out of my account and little by little, she claimed they was putting it back after the claims had been sent to whomever took care of them. Now, on XX/XX/XXXX, she said they closed the account after months ago she said the account needed to stay open to receive the payback money that was suppose to be put back into my account. Only {$180.00} has been put back into my account and no one from BBT has tried to help me get my money back or even look into the matter. I believe that someone in that bank has taken my money.