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

On credit report : Item # XXXXXXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with the FCRA XXXX  15 USC 1681 Section 602 A states have the right to privacy.

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

I have reported previously to the three bureaus, FTC and creditors of FRAUD on the above-mention two accounts.
Product: Credit card or prepaid card

Hello, An American Express credit card is showing on my credit report as Closed / Charge-off. This account is falsely showing on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 
Remove this incorrect information at once and send me an updated copy of my credit history report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX For this account you have incorrect remaining balance. I pulled my annual credit report and your remaining balance on this loan is different from the other 2 credit bureaus. I have submitted screenshot of the annual pull report and the differences
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the past three years I have tried in vain to fix my credit reports and it starts with Experian. I saw that my mortgage showed paid and joint. Experian would not change it even when I sent an original bill in. I wrote the mortgage holder and filed a police report because XXXX Bank asked me to.I signed papers that the one Experian had listed was not another mortgage I had. After filing here the Bank said what Experian had was not even related to me and they gave me an assumption. However, my original mortgage before divorce in XXXX had my ex on mortgage not deed and XXXX Bank May fix this and report my payments to them to credit files. My ex now dead had filed bankruptcy XX/XX/XXXX. I did not. Still Experian refuses to acknowledge I have a mortgage and this effects my credit. They took off the mortgage entirely! When you call your on hold for up to 30 min and they do nothing. I tried again online and they refuse to let me dispute that I have a mortgage and want credit for paying it. I have other accounts too that they refuse to look at. If this is the leader for credit bc I am told everyone looks at them, we as a nation are in deep trouble. So I know XXXX is used but at some point cant a real person with some knowledge be there. This issue has hurt me and I want it fixed they can start from now to list that I am the mortgage holder and online the choices are very limited. I can send a email to others that have apps and they get back to you not them. Its wrong in every way
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 I.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.
Product: Credit card or prepaid card

I have been a customer with Care Credit for approximately 10 years. From da y 1,  I had  XXXX  cards. I have never missed a payment on either card and used both cards regularly. I also have a stellar credit history with no negative information and am using about 10 % of my available credit. So much to my surprise on Friday  (   XXXX / XXXX / 17   ),  I get a letter that they closed my account with no notice because I had  XXXX  cards and that it had nothing to do with my credit. As stated earlier I 've had  XXXX  cards for 10 years and have asked them on numerous occasions to combine the lines into  XXXX  card. To make matters worse they closed the card with the higher limit and the lower interest rate. They say that the account disclosures say they can close my account because I have more than  XXXX  account. I say by not taking that action in a reasonable amount of time they waived their right to do so now. Secondly, t he manager I got  on the phone said that the reason they chose to close my account was because they no longer wanted to honor the interest rate, which I do not believe is a permissibly purpose which is why they are trying to hide behind the  XXXX  card clause. Th e manager did say that he would escalate my complaint to the corporate office and I should hear from them within 48 hours. In my opinion, this could have been handled much better and to the satisfaction of both parties but their dis regard for my consumer protections has caused me damages.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX - XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX In conjuction with previous CFPB complaints Under the law/following you are in violation : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *** *The need of MY written consent to report Anything and MY right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ******* And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] My late payment, remarks, Account status etc ESPECIALLY legally should not be on my report anymore AS YOU PREVIOUSLY AGREED.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why and BACKINGit with laws that override the above i stated...
Product: Prepaid card

I bought a Vanilla gift card for {$50.00}, but when I got home, the last 4 digits were scratched off. Even after trying to guess the numbers, the card still didn't work. I went back to the store, but they brushed me off, saying it wasnt their problem and wouldnt refund me. I tried reaching out to Vanilla Gift Cards, but they couldnt help either. It feels like legal theft, XXXX XX/XX/XXXXthrown in the garbage literally
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. 

XXXX Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received e-mail from Experion : Change : Major Derogatory Account Company : XXXX XXXX XXXX Reported by : Experian When I logged in it said that {$65.00} was owed on {$1800.00}... don't know anything about this. Can not get a real person to talk to at Experion. They also said that my e-mail has been found on the " Dark Web ''. 

Also received e-mail from XXXX XXXX regarding my charge card : There was some activity on your Experian credit report and that I should log into XXXX  - part of XXXX XXXX. Visit the Alerts section of XXXX from XXXX XXXX to review a recent change in your Experian credit report. To protect your privacy, we arent including any confidential details here. 

I need to talk to somebody but all phone numbers go to an automatic system that never puts you in touch with a real person. HELP
Product: Credit reporting or other personal consumer reports

Went to check my credit score and it has one hard inquiry from CBNA that i do not recognize nor did i apply for this. i requested infomation from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still weren't able to give me answers
Product: Checking or savings account

On XX/XX/2021 my account had a positive balance and started to receive multiple overdrafts per day at {$37.00} each for no reason. My account was never negative and when i spoke to someone at the branch, the teller claimed that a merchant, XXXX XXXX who debited my account in the amount of {$82.00} with card ending in XXXX. It was a temporary hold on XX/XX/2021 in which the transaction expired and the charge had fallen off and officially posted on XX/XX/2021. Between XX/XX/2021 and XX/XX/2021 I was charged {$37.00} a day numerous times. My first attempt to have this issue corrected resulted in the branch stating their systems were down and there was nothing they could do. While the systems were down, i continued to receive overdrafts. On XX/XX/2021 the branch only agreed to refund {$200.00} back into my account. There should have never been any fees period. This is a demand letter that the remaining fees are refunded back to me. I had deposits going in the account and the account was always positive balance. I contacted XXXX XXXX and they advised that they dont have the authority to place any kind of internal holds on my account. The branch was trying to rip me off and keep my money, not allowing my deposits to cover transactions trying to clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following items inaccurately. Can someone please look into this? Thank You ACCOUNTS XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized US SM BUS ADMIUN ODA XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card

First of all, this is not the same complaint that I submitted on XX/XX/XXXX ( XXXX ) or XXXX/XXXX ( XXXX ) or your cases # XXXX submitted in XXXX XXXX. 
And there was another one submitted in XXXX, XXXX case number XXXX You replied on XX/XX/XXXX & XX/XX/XXXX saying the case will be closed because you said these are the same complaints I had This is not the same case. 
PLEASE DO NOT BE CARELESS! 
This is a recurring issues I have every year with an annual bonus miles If you spent more than {$15000.00} within a year, you get XXXX additional bonus smile. If you spent more than {$35000.00} you receive XXXX bonus miles However, on XXXX statement, I only received XXXX miles. I spent more than {$150000.00} within a year so I was shorted XXXX miles. 
Its no use calling the customer service. They have no idea what theyre doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against for violating Equifax my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX Bankruptcy - XXXX # XXXX. I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items is a clear violation : XXXX XXXX XXXX XXXX XXXX Bankruptcy - Reference # XXXX Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. They are unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Prepaid card

While I was at work I received a notice that {$680.00} had just been withdrawn from an ATM in XXXX CA on XXXX. I called American Express Bluebird and immediately let them know, they advised me to. withdraw the remaining money from the account and close the card and they would send me a new one and start an investigation into the dispute. I received an email 2 weeks later stating the dispute was declined. I called them and they advised me to submit a new dispute and add timecard and video footage from me at work and then 10 days later another denial letter was submitted via email to me. I called back and they asked me to submit another dispute to reinvestigate and with 3 days I had a denial letter in my email. Upon reading reviews online I now know that this has happened to several clients and they have had to take legal action against the company.

Please share my story in hopes of finally reaching their corporate office and making them explain their reasoning behind not standing up to their responsibilities to their card holders and allowing them to be defrauded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX account number XXXX a Validation of debt letter XXXX XXXX  has failed to respond according to FDCPA 15 USC 1692g sec 809 this is a violation, Further more XXXX XXXX XXXX has failed to mark the account as disputed at the time of validation of debt request. 

Also Experian and XXXX have inconsistency as far as this account goes. 

Experian reported this account being opened on XX/XX/XXXX XXXX reported this account being opened on XX/XX/XXXX Experian reported that the account number is XXXX XXXX reported that the account number is XXXX These are all inconsistency and is a violation through the Fair Credit Reporting Act. 
Proof of this has been downloaded through the CFPB Portal
Product: Debt collection

My XXXX Credit report shows ERC placed a collection account on my credit file. I am requesting debt validation