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 Number : XXXX Account Name : FRSTFIN/FNBP Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Vehicle loan or lease

In attempt to pay my vehicle off earlier without being hit with interest each time I would add additional monies to my regular monthly payment and on at least two occasions I sent an additional regular monthly payment only to learn the company was hitting me with interest on every single payment. Upon learning this I reach out to the company and ask what can I do to prevent from getting charged additional interest. I was informed by several agents that I must submit the extra monies on the same day as I send my regular scheduled payment, ok. Where the problem come in is for my XXXX note I call myself being proactive and paying my regular schedule payment one day early and then I sent another monthly payment the very next day. only to learn later the company took interest from both payments submitted. When I reach out to the company to learn why they charge me interest both times they said because I did not send both payments at the same time. As a consumer I pride myself on doing the right thing by making timely payments and sending extra therefore, I should not be penalized for sending extra payments in early or even if I send the extra payments a day or two later. I did receive a call from the Executive Office on XX/XX/21 but did not get anything accomplished because the female answering the phone said she was calling regarding a complaint I submitted to the company via email.
Product: Credit reporting or other personal consumer reports

I am writing regarding derogatory marks on my credit report that have directly resulted in : - Denial of my recent loan application - Increased interest rates on existing credit accounts - Ongoing financial hardship - Significant emotional distress
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number # capital one has violated my rights. 

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 any payment on a credit card account under any open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to XXXX ; XXXX and TransUnion.. All three refuse to send me hard copies of my reports, and XXXX access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " Member Credit lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from XXXX advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than Four times. 

Your lack of authority over them and their coky defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX Office directly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I don't recognize the following accounts in question . I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company multiple times regarding the inquires on my account and they have done absolutely nothing but send me generic responses about contacting the companies and when i contact the companies they direct me to contact the credit bureau this is getting out of hand and is not reflecting my true credit report. the below inquires need to be removed. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX 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 XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX. These inquires need to be removed i have done all the necessary steps, police report, contacted the companies contacted the credit bureau and sent in multiple disputes for the inquires as well as a security freeze this company still refuses to remove the inquires
Product: Prepaid card

This is a recurring problem. Once again, I won a small amount ( {$100.00} ) through an online app from the Arizona XXXX. The cash prize is awarded in the form of a Vanilla VISA gift card. When I would win these a little more than a year ago, I was able to use the entirety of the cash on the card by converting it into an XXXX gift card. Over the past year, you will be able to find many people on XXXX and elsewhere online complaining that these gift cards have become useless online. You can't use them on XXXX, full stop, let alone use them to purchase an XXXX gift card. You can't send the money ( after a fee ) via XXXX. You can't transfer it to your bank account ( after a fee ) through XXXX. There are tips online about adding a Zip code to your prepaid gift card so you can use it with XXXX, but for me at least, there is no option on the Vanilla website to set up my ZIP code. It feels like the business model of these companies is similar to the heist at the end of the movie XXXX XXXX : Take a little money from a XXXX jar, and nobody will notice, but take money from many XXXX jars, and it adds up to a lot. They are presumably collecting interest on all of these accounts that are collectively worth more to them than it is worth the time individually for all us of poor saps to track down our mere XXXX bucks. It's a scam and I would just like them to give me my money.
Product: Credit card or prepaid card

I had  Chase Credit Cards  for 20 Years. Suddenly, TODAY, they closed  All   XXXX  of my  Chase Credit Cards  without warning or reason. When I called them, they simply replied that they decided to end the relationship without explaining why. I had Very  High Credit Lines, and always Paid on Time.  Never carried Any Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to apply for a lease for a new vehicle and they told me they were only going to run my credit for their in house financing but they LIED!! they ended up running my credit to more than 10+ lenders WITHOUT MY PERMISSION! Very frustrating this has impacted my finances tremendously for me to only find out this is IDENTITY THEFT! These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I have been applying additional principal payments to bank of america auto loan. I spoke with BOA and stated I would like any additional payment be applied to principal and not next months payment. A customer service representative told me I would have to go into a bank or pay by check and could not do this online. If I do not have checks, no checking account with bank of america and I do not have a bank of america near me these things are not possibly. BOA is dictating how I would like my payments and stating it can not be applied towards principal when I am meeting my monthly obligation. I would like this investigated immediately, I believe it to be false and deceptive bank practices.
Product: Credit card

On XX/XX/year>, Wells Fargo closed my XXXX XXXX credit card account without my permission or prior notice. I have maintained this account in good standing since opening it, with all payments made on time, no chargebacks, no fraud, and no violations of the cardholder agreement. When I contacted Wells Fargo to inquire about the closure, they provided only vacuous explanations, citing 'possible misuse, ' 'mismanagement of account, ' and 'money we could not collect ' without specifying any actions, incidents, payments, or transactions to justify this claim. Despite submitting complaints to Wells Fargo, I have received no clear explanation or evidence of misuse, nor any opportunity to address any concerns they may have. 

This closure has disrupted my financial planning and will negatively impact my credit score due to the loss of available credit and the unexpected closure of my oldest credit account on file with XXXX, XXXX, and XXXX. I am seeking a detailed explanation of the alleged 'misuse ' and, if no valid basis exists, reinstatement of my account with its original terms. Wells Fargos lack of transparency and unilateral action violate reasonable consumer expectations. I request the CFPBs assistance in investigating this matter and securing a fair resolution.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX IS REPORTING AN ACCOUNT AS COLLECTIONS TO MY CREDIT REPORT BUT IT IS NOT MY ACCOUNT. IT IS A RESULT OF IDENTITY THEFT. PLEASE HAVE XXXX XXXX REMOVE IT FROM MY CREDIT REPORT AND DO AN INVESTIGATION I HAVE SUBMITTED ALL REQUIRED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago on XX/XX/2021 and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. All proper indentification is enclosed and if you reject this agian I will sue you in court for non compliance, this is such a problem
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Last year around XXXX I decided to take a look at my credit report and saw that there is a XXXX  XXXX Bankruptcy being reported. I requested verification from the credit bureaus and XXXX. When I disputed with the bureaus that the Bankruptcy was not accurate and that I didn't want to be susceptible to identity theft they ( I also sent an affidavit ) they responded that they verified and it was " accurate ''. However, when I received a response from XXXX they said they couldn't verify or find my information, mind you I did include my social security number. So how were the credit bureaus able to verify my information with XXXX?
Product: Vehicle loan or lease

Flagship reports I paid late During XXXX, XXXX, XXXX and XXXX of XXXX and from XX/XX/XXXX through XXXX of XXXX in collections status. I had attempted on several occasions to make payment arrangements with lowered payment amount however they denied and continued to charge same amount plus late fees. The reason for my request was I was experiencing a financial hardship at that time as my daughter was in and out of hospitalization and experienced a loss in the family
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 has reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Citi sold the rights to my mortgage to a third party. To make payments with the new third party I needed Citi to provide me with my new loan number. Citi refused to provide any assistance.
Product: Prepaid card

I had a Prepaid American Express SERVE Card which was originally for a mobile wallet. I have n't used it in a year and in XXXX received an e-mail my balance was {$0.00}. and fee could n't be taken in full. I was unaware of any fee. I check and there was a lot of fraud transactions between my XXXX XXXX, XXXX statement and the XXXX/XXXX/XXXX statement. The balance had been around $ XXXX. I called and explained every transaction was fraud. He offered {$9.00}. back out of my {$57.00}. After many reps and their fraud dept. they started giving me credits well above my original balance. I tried to explain it was too much and just wanted my original balance back. I closed the acct and they refunded the high amount of {$85.00}. Now I get an email saying I have a negative balance, so I call and they want {$79.00} back. So now that leaves me {$5.00} credit from my original {$57.00}. 
I ca n't access online statements anymore and their customer service claims they have no access to anything before XXXX/XXXX/XXXX, so they ca n't see my XXXX/XXXX/XXXX balance and ca n't refund me any money. So basically they refuse to do anything. 
If you go read their Serve XXXX page many people have similar issues and there are many online forums with frustrated customers who ca n't get refunds. I 'm attaching my letter to them which has gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The fraudulent, incorrect, and misleading information on my credit report remains unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

FCRA 605B states that we must delete any inaccurate accounts from my credit report. Would you mind checking the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit card or prepaid card

I have held a new CapitalOne Venture One credit card for more than 3 months. Their " New Cardmember Offer : Earn XXXX bonus miles once you spend {$500.00} on purchases within the first 3 months from account opening. '' I waited for the new cardmember period to end to see if the bonus would ever be applied. It was not, so I called their customer support. The worker informed me that nothing could be done and that my card didn't come with the bonus. That some cards get the bonus and some cards don't like some luck aspect even though they advertise publicly on their website that you get the bonus after spending {$500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an 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 is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were affected by the Pandemic ... A business venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business  was based on XXXX XXXX in the XXXX XXXX XXXX. 
The Need for this XXXX  / XXXX XXXX / XXXX XXXX  is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to XXXX on several occasions asking for relief with basically no remedy ... XXXX 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. XXXX has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!
Product: Debt collection

Diverisifed Consultants, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has been destroying my credit and hounding my phone about a debt with XXXX. I informed them I havent had a XXXX account in a very long time as my phone service is thru business accounts. I asked for a deb validation letter. I get the letter and it provides a bill summary with no details and the dates are for XXXX. I know for a fact i did not have service with XXXX in that time period and can prove it. Also I have not lived at the address listed on the bill in over 7 years so I know this is not my debt. I am attaching a copy of the bill that was sent to me and a copy of the letter from debt collector.