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 Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumbeXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumbeXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE ADDRESSES AS THEY ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Opened a business credit card over 5 years ago, a personal guarantee by the credit card company was never signed or requested by the company. The credit card open was solely used in the business. The credit card company reported the credit on the business profile and never on the personal profile. The business was shut down and no longer in operational. The credit card company started reported the business credit card on to the personal profile which impacted the profile. It lowered the credit score from XXXX to XXXX in the matters of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i disputed these items to experian XXXX and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/XXXX
Product: Debt collection

contacted company for verification of debt by sending copies of documents from the original creditor confirming i agreed to their services, accounting info etc. I received a letter for a settlement without any confirmation this account belongs to me or is accurate
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/XXXX I received an email from Capital One saying my information was updated. I called Capital One to dispute and question this. They told me someone opened a Capital One 360 checking account and added an account XXXX to my profile and initiated a {$5000.00} wire transfer from my XXXX XXXX Checking account to my Capital One 360 checking account. 
On that same day, XX/XX/XXXX, I closed my Capital One Venture Card as I didn't have confidence that they could prevent fraud on my account. I asked Capital One to remove any fraudulent information and close the checking account. 
On XX/XX/XXXX, I logged into the Capital One App and noticed someone had fraudulently redeemed XXXX reward points. I contacted Capital One that same day and reported the issue. They said they would work on getting my points back and it would take XXXX business days. 
On XX/XX/XXXX I called for an update and they had no update. Later that week i received a new Credit Card with a different number in the mail. I called and asked about that and they said they never closed my account, they just sent me another card. But they said someone else had already activated and was using fraudulently. I told them I had requested that my account be closed but they didn't close it. 
On the week of XX/XX/XXXX I called again and to get an update, they said they still didn't have an update. 
On XX/XX/XXXX I received another credit card in the mail. I called Capital One and told them I received another card Capital One Venture Card. They said the new card was for a Capital One Quicksilver Card. I told them I didn't apply for a Quicksilver Card and that I only previously had a Venture Card ( since XXXX ). Once I told them this they finally closed the account. On that same day they informed me that someone else had redeemed an additional XXXX reward points on XX/XX/XXXX. There were additional fraud charges and I disputed them. 

My main complaint now is that every time I called Capital One they said they have no record of my dispute of the rewards points redemption. I deserve to receive my total of XXXX reward points credited to my balance for a total monetary value of {$760.00}. The representative said they can't do that because Capital One closed the account rather than me voluntarily closing the account. 

Capital One is not helping and I've spent over XXXX hours on the phone with them from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of the current address, Social Security Card, passport, Driver 's License, and Insurance Card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS, DISPUTES, COMMENTS, OR REMARKS LEFT ON THE CREDIT REPORT. 



IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES, ALL SOFT PULLS, AND DISPUTES NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY! 

POTENTIAL LAWSUITS LIST COMING 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without Written Instructions!! 



XXXX XXXXXXXX XXXX XXXX # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX AND ALL INFO FROM Equifax, XXXX, and XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX XXXXXXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXXXXXX XXXX XXXX Account # XXXX AND ALL INFO FROM Equifax, XXXX, and XXXX
Product: Debt collection

Agency called about a debt that was discharged over a year ago in a chapter XXXX bankruptcy. My attorney was also contacted previously regarding collection efforts with this debt when another agency tried to do the same thing. This debt is no longer owed.
Product: Mortgage

I filed bankruptcy in XXXX  and Wells Fargo refused to reaffirm my loan and stated that the reason that they could not was a TEXAS State law which prevented them from doing the reaffirmation and since then I have made my monthly mortgage on time and they refuse to send this information to the 3 major credit bureaus. I feel that this is an unfair banking practice which not only affects my credit score, but it affects my loan and credit card interest rates and it also affects the rates that I pay for auto and homeowners insurance and this has been going on for the past seven years and it gas put a extreme financial and emotional stress on me and my health and well being. I have contacted Wells Fargo several times to try to get them to correct this and treat me fairly, but they always refuse and state the reason is the fault of the state of Texas, but they have never provided my with proof of any Texas laws showing this to be a true fact. I feel that Wells Fargo is a very corrupt bank and they are guilty defrauding millions of people out of millions of their hard earned money and I hope your agency will hold them accountable for these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting, for credit and FICO Score purposes, issues with XXXX XXXX XXXX XXXX. XXXX is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; Experian, XXXX, and XXXX  XXXX, are as follows. While I disagree with my Experian and XXXX  reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the XXXX  reporting. XXXX  indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,
Product: Debt collection

In XX/XX/XXXX, I entered into a repayment agreement with ARS National Services Inc. to repay XXXX XXXX XXXX Bank XXXX XXXX the amount of {$25.00} a month. ARS sent me a monthly reminder that the payment would be processed on a certain date. I received these monthly reminders from XX/XX/XXXX through XX/XX/XXXX. ARS stopped sending the reminders on this account and will not tell me the status of the XXXX 's account. I have asked ARS for an accounting. ARS representatives are unable to locate the account under their specific reference number, the last four digits of the XXXX 's account number, or any of my personally identifiable information, including my social security number. ARS representatives indicated that XXXX is the holder of XXXX 's accounts and advised me to contact XXXX. Representatives at XXXX could not find the XXXX 's account number referenced on the ARS monthly reminders for which I have paid {$25.00} monthly for over 4 years. 

I have another XXXX 's account that I am paying monthly to ARS, which began in XX/XX/XXXX. ARS is still sending monthly reminders on this account. ARS representatives indicated that their system changed and their reference numbers have changed. The change in the reference numbers is evidenced in the monthly reminders for this particular XXXX 's account. ARS representatives indicated that this is the only account they have serviced. XXXX representatives verified this account is under my name. 

Monthly reminders on both XXXX 's accounts are attached to this complaint as evidence that ARS was withdrawing funds for both accounts.
Product: Credit card or prepaid card

I had an account with XXXX and someone went on their website hacked into their website stole my credit card information and my billing information bought something for {$660.00} and when I called my credit card company to report the fraudulent purchase they said they would take care of everything closed the credit card account sent me a new credit card and said dont worry they knew it was a fraudulent purchase and that they would take care of everything now two months later theyre saying that I am liable for this fraudulent purchase
Product: Student loan

I have a loan through ACS for less than {$1000.00} left as I have overpaid on it each month. I got an email on XX/XX/XXXX stating that they were going to be changing the name to Conduent but stated that there would be no changes to my account. I was able to log in and make my last payment on XX/XX/XXXX. I tried logging into my account MULTIPLE different times all throughout XX/XX/XXXX and XX/XX/XXXX and each time I try to log in to make a payment it says the website is " Temporarily Unavailable. '' I have tried typing in my social security number to try and get my account number to call ACS and the website states, " We are unable to find your social security number on our system. Please check that you entered it correctly. '' I have tried calling all of the numbers that I could find on their website and from XXXX. The numbers I have tried are XXXX, XXXX, XXXX, and XXXX. When I call, the recording only gives two options to move forward ; enter in your nine digit account number or social security number. When entering in my social security number and birthday it states that it does n't recognize it. 
I have no idea how to continue paying off this loan when I ca n't access it. I tried emailing them but in order to email ACS you must have your account number or it wo n't go through, which I do n't have. I checked through all of my previous emails and have never received an account number. I used to get emails from them each month stating when my statement was ready to be viewed and paid and the last statement that I have received is from XX/XX/XXXX, when I was able to make a payment last.
Product: Debt collection

There is a FALSE collection amount on my credit few months ago, I have NO idea about this collection amount, NOT belong to me, I NEVER received any letter or notice about any collection amount from any companies. 
I filed a dispute at " XXXX '', they are thankfully immediately toke an action according the documents that I submitted and removed this false amount and solve this issue. 

Equifax they keeping asking me for additional documents, Immediately I provided to them, They dismisses the dispute by saying " WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''!! then they asked me for documents to prove my exact Address, I submitted 4 documents proved my exact address. again the dismiss the dispute WITHOUT any reason.
Product: Credit card or prepaid card

Amex has suspended use of all my business and personal cards when there are disputed charges on just 2 of them over products I ordered but did not receive. They have provided no timeframe for resolution and in the meantime I am unable to take advantage of card benefits that I have paid for through annual fees.
Product: Mortgage

I have had a very difficult time with XXXX XXXX. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. XXXX XXXX always seemed to lose my paperwork, which I constantly had to re-fax. Last month I had a full modification package submitted to the lender. At the last minute, they placed a sale date on my property and declined my modification review.
Product: Credit reporting or other personal consumer reports

I am filing complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U>S>C> 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I Request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XXXX19 amount of {$11.00} was taken out of my golden 1 checking account thru XXXX from XXXX. I did make a purchase but seller never sent me the item. I have tried disputing with XXXX and XXXX and now with golden 1 and no refund has been sent to me. i need help getting my refund
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my credit report that do not belong to me. Inquiries for loans and credit cards that I did not submit. The accounts that are showing were ; a loan for XXXX XXXX XXXX, a Credit Card Inquiry for Discover Financial, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history and a violation. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated rights 15 USC 1681 ( e ) b. I am demanding a deletion of the following accounts as they are affecting my credit profile tremendously XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the fair credit reporting 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I bought a pair of earrings which were never delivered, I called and filed a dispute, they said it would be resolved, never resolved, they billed me for it and charged my bank account for it, still 2 months later no resolution and no response.
Product: Debt collection

I have received many calls from this company. The most recent being XX/XX/year> and then again today. They left messages both times. They stated on the voicemail that they had me as a reference for my son, and that they needed me to call them. In order to stop the harassment, I called the number they left in the voicemail ( XXXX ), I told them I was returning their call. The gentlemen immediately started to tell me that he was collecting a debt on behalf of Florida Gulf Coast University. I stopped him and told him that I did not attend FGCU and did not owe them anything. At which time he very rudely told me that I owed them over {$6000.00} ( he stated the specific amount ). I again corrected him and told him that I do not owe them anything and that's when he asked if the actual debtor was my son. I told him even if the debtor is in fact my son, he is not permitted to contact me for any reason. I would like to make a formal complaint should this continue, I will be taking legal action as it is unlawful to disclose a debt to third parties.