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

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


Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus investigation did not fix an error on my report This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} , and Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account 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
Product: Mortgage

We have filed twice now. We have yet to hear back from Nation Star with a valid response and resolution to their mistake. on XXXX XXXX 2016 they claimed to have a resolution and have yet to produce one. Their mistake is costing both my wife and myself from refinancing our current mortgage. 
We are requesting they fix this nightmare in a timely manner it has been over 60 days now.
Product: Checking or savings account

My checking account was charged an unauthorized charge from Zelle. My bank name is XXXX XXXX Bank. Zelle charged my checking account without any authorization. I have never had any dealings with Zelle and don't know who they are or what they do. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Employers : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public XXXX : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several account which are Fraudulently reporting on my consumer credit report, These items are in violation of 15 US Code 1681a by not reporting accurately. I would like a copy of the 1099c that i did not receive. On my credit report it says it was written off so if it was it is now taxable income they I need to report to the IRS since the creditor took a taxable write-off on the account. I have the right to report the company to the IRS for Fraud because they are trying to collect a debt that they they have already written off.
Product: Debt collection

I have requested information about this debt and asked for this company to remove it from my credit report as this is due to identity theft. 
This company is rude and condescending when I speak with them and refuse to verify this debt.
Product: Money transfer, virtual currency, or money service

Regarding zelles handling of disputes. Zelle failed to investigate my claims. They informed me that recovering lost funds were impossible. This is in reference to the lawsuit highlighting significant issues with the platform XXXX {$1500.00} nothing was done. 
I sent XXXX through zelle through my old bank account XXXXXXXX XXXX and the person I sent it to did not receive it nor did zelle try to help me find it.
Product: Credit reporting or other personal consumer reports

The company, Apple Card, claims to investigate fraud, account take overs and unauthorized charges but they merely collect all kinds of information. They then submit that to their non-existent " Investigation Department '' and every time you call in you are sent to low level customer service people who will only open up new disputes. 

Apple Card by Goldman Sachs has " investigated '' eleven times and each time they reverse the information and charge the disputed amounts as new charges. There are ten late marks on my credit report, my score has dropped tremendously and I am receiving harassing calls, texts and emails from external collections people. Apple recently opened up a dispute and claimed to be putting collections and negative reporting on hold while the dispute resumed. This never happened and they consistently report a negative mark to the credit bureaus every month. Nothing is due to them as every bill was paid before the end of each month. The statements below show the payments, fraudulent charges and rebelled amounts. The total cost to me for all of the fraudulent charges and for each reversal has been in the amount of {$86000.00} All of this is from their very own statements. I also have the statements from my bank verifying the payments that were made. 

It is extremely frustrating to call in to their phone number as there are no decision makers to end this and refund my money. My last call this week to try and resolve this was so incredibly upsetting due to the only solution offered was another dispute! Supposedly, someone from the dispute department will be calling me but they have no knowledge of when this person will call, if they are in the US or if they can resolve this matter. If I miss their call then I can't call them back evidently. Calls from an unknown number usually are automatically sent to voicemail.
Product: Credit card or prepaid card

I purchased a reservation for 3 hotel rooms on XXXX on XXXX XXXX, 2017. The reservation did not meet the criteria being offered so I attempted to cancel the reservation both through XXXX and capital one. XXXX refused to cancel the reservation. Capital One was n't able to offer me the refund after they contacted priceline. XXXX cancelled the reservation with the hotel assigned after the dispute was initiated. I was n't able to use the hotel that I booked on XXXX and was still billed for the service.
Product: Credit reporting or other personal consumer reports

Sam 's Club is not reporting my credit information to XXXX and it is negatively impacting my XXXX credit score.
Product: Checking or savings account

When I tried to open up a bank account with my local XXXX XXXX  I was denied and it was because They said I already had a account that was charged off, but I never had a account with them I was trying to open one. Then I checked my credit report and a closed account with a balance of {$630.00} is listed from XXXX XXXX XXXX XXXX that does not belong to me
Product: Credit reporting or other personal consumer reports

XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Dispute of Inaccurate Account Information - Not Mine Dear Cfpb I am writing to dispute the accuracy of certain account information on my credit report, as I have identified an account that is not mine. Upon careful review, I have determined that the following account does not belong to me : Creditor Name : XXXX XXXX Account Number : XXXX Date of Opening : Not Available Inaccuracy : Not my Account Incorrect information I request a thorough investigation into this matter and the removal of the inaccurate account from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and rectify inaccurate information. 

Please provide written confirmation once the investigation is complete and the inaccurate account has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I visited XXXX XXXX XXXX in XX/XX/2022 for a XXXX ultrasound. I was referred there by a XXXX because I was XXXX XXXX XXXX. After the appointment I began receiving bills for XXXXXXXX XXXX XXXX ultrasounds instead of the XXXX ultrasound that I was supposed to receive. Over the course of 6 months, I reached out to the company 7 times to get my bill corrected. Each time they acknowledged that my bill was incorrect and promised to send me a correct bill. I never received any follow up from them, never received a new bill and the next thing I know I am getting a letter from a collections company. I wrote to the collections company explaining that I was being billed incorrectly but never heard back from them either. Next thing I know, this incorrect bill is on my credit report and has dropped my XXXX XXXX by about XXXX points!
Product: Debt collection

They sending a bill i dont owe at all, they just post it on my 3 credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I noticed these items in my credit report and they are unauthorized accounts thats needs to be removed immediately
Product: Checking or savings account

Wellsfargo wiped out my savings without my knowledge. I did not get any warning or letter or whatsoever. Wellsfargo closed my credit card since this company charged my credit card with fees and interest. I went  to ask in their branch on Saturday in  XXXX   XXXX / XXXX / 17  at  XXXX  and the clerk said I have to call  XXXX  no. which is closed. The clerk was not patient and empathetic to my situation. I was just told it 's legal matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Date:XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Transunion I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX XXXX. According to section 609 of the FCRA these item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as it states the consumer has protection against false and erroneous reporting. Furthermore the creditor is responsible for providing a copy of the orginal creditors documentation. I requesting for the items mentioned above be removed immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX have inquiries i dont recognize or authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX has placed a block, and I have not been able to open bank account in over 10 years, and this all stated from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a pay-back for complaining about an issue to make online payments for an amount different than the full balance or remaining statement balance, Chase has XXXX from the XXXX credit bureaus ALL INFORMATION related to my account including credit limit, credit balance, payment history ( always paid on time ), status, etc. 

As a result of this action, my XXXX XXXX dropped this month OVER XXXX points. When I received alerts about score changed I reviewed all XXXX credit reports and couldnt identify a real issue. I called Chase to discuss the matter and they simply deflected the issue. 

Their website, under credit journey shows that the account is under dispute. Interesting enough I have never taken such action. 

This is just another way how monster companies like Chase, abuse regular citizens and harm their lives!
Product: Credit card or prepaid card

On XX/XX/2021 I discovered that someone had gotten a hold of my edd debit card number and made fraudulent charges on my card totaling {$4100.00}. I called the card issuer Bank of America and reported the fraud. Bank of America froze my account and issued a new debit card to me. I was told that the bank would investigate my claim and give me a decision. On XX/XX/2021 I got a letter from bank of America dated the day after I filed my claim with them advising me that my claim was cancelled and they were not going to refund my money. Additionally, the amount listed on the letter was much more than the amount that I reported on XX/XX/2021. I called the bank and told them the amount listed on my claim was wrong and asked them to reopen the claim and they did. The claim was again closed with no reason given by bank of America. I also called the merchants where the money was spent and was able to intercept a purchase from a XXXX store for {$2000.00}. I did get that money back bu I am still out over {$2000.00} plus I called Bank of America again and told them to really investigate my claim by calling the merchants because I did not make these charges. The man from the XXXX store told me that a man had a credit card and matching id when he made the purchase, my name was not on either the credit card or the id shown to the XXXX store when the purchase was made. Bank of America never investigated my claim and refuses to give me my money back. I should not have to make these phone calls to track down the person who defrauded me. I should not have to file this complaint. This is ridiculous that Bank of America is getting away with this, they treat their XXXX  customers like dirt. Please help me get my money back
Product: Credit reporting or other personal consumer reports

XXXX : I have requested that my outdated names, erroneous names such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all erroneous/outdated following telephone numbers reported are old, erroneous : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employment data reported is erroneous : Post Office , United States Post Office , USPS XXXX XXXX ERRONEOUS INFORMATION IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ERRANEOUS /NO LONGER REVELANT EMPLOYMENT HISTORY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN : ERRONEOUS NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES : ERRONEOUS ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Receivable Solutions calls me repeatedly, sometimes every day, at all hours, despite having been told not to call me anymore. The number that shows on the Caller ID is XXXX. I want the calls to stop please. They have been told to stop calling me at least a month ago, if not longer. They have called me at least nine times within the past two weeks, at all various hours, sometimes very early in the morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Transunion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again. 

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

Equifax was tasked with DELETING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Instead of running a FCRA standard dispute Equifax has sent letter requesting information they already have as a means to stall and continue reporting inaccurate information. The letter attached has Equifax asking for identification information they already have. They also have previous CFPB report for deletion, credit reports, fraud report and deletion files. Even with all this information equfiax has still taken more that the 30 days and continued to report inaccurate information that continues to be harmful
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Capital One falsely stating a payment I made of {$3100.00} paid in XXXX XXXX had been returned on XX/XX/XXXX, due to a " Payment Account '' issue. 
I made a call to Capital One and got no where. I made a second call to Capital and got to a supervisor, with a XXXX XXXX representative on the line, who showed the check had been deposited and cleared by Capital One. I received images and a check number which was provided to the Capital One representative on the phone. She put me on hold 10+ minutes, came back on the line, said an investigation was initiated... but she had no case number to provide to me. 
I subsequently received two letters from Capital One denying my " request regarding a returned payment ... '' The latest letter dated XXXX XXXX, XXXX, was received today XXXX XXXX, XXXX after I sent two faxes, XXXX on XX/XX/XXXX and XXXX own XX/XX/XXXX. I provided copies of the front and back of the check showing it was deposited and cleared by Capital One. 
Capital One after all this refuses to acknowledge met payment cleared and has effectively stolen {$3100.00} I paid from me.
Product: Credit reporting or other personal consumer reports

I recently did an investigation into my credit report and found several items on there to be inaccurate.

15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. According to the aforementioned code, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to individuals in their reports. It is evident that this obligation has not been fulfilled in my caes. Furthermore, under 15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information, it states that if, after any reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must prompty delete or modify that information based on the reinvestigation results. 

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

Case # XXXX This case was filed over a month ago and all requested paperwork was sent and received. There has been no action taken by citizens bank to transfer the funds to the estate trust account provided by the estate attorney. Also no one has provided any information regarding this matter. No return phone calls or email responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U-S-C 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  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 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate..