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

on XXXX  I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Account was opened in XX/XX/2021. I have provided documentation and requested multiple times through all credit bureaus for this information to be removed. I have reported identity theft, police reports, and ftc reports have been reported since then. I have requested information for documentation for accurate verification and no response. I have security freeze and fraud alerts on all my accounts as well.
Product: Debt collection

this comment is outrageous they want to charge me after cancelling service XXXX dollars money I do not have they refuse to offer me a settlement they turned me over to a collection agency I'm unemployed and contacted them to tell them they don't care they want the full amount which I can't afford threatened me to ruin my credit
Product: Credit reporting or other personal consumer reports

Law 15 - USC 1666 B XXXX CBNA has my account in collections. This in inaccurate and l want this removed immediately from my credit report. 

XXXX XXXX has 2 accounts in collections. This in inaccurate and l want this removed immediately from my credit report. 

XXXX XXXX 2 accounts in collections. This in inaccurate and l want this removed immediately from my credit report. 

XXXX my account in collections. This in inaccurate and l want this removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. XXXX XXXX XXXX XXXX XXXX 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 These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my XXXX XXXX and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

I was victim of a scam perpetrated with Google Play cards. Fake lawyer instructed me to purchase {$2000.00} ( 4x {$500.00} ) cards on XX/XX/18 to send him codes which he will then convert to cash to use for bail money : my grandson being XXXX. Once I determined scam and refused to send I was left with uncashed/unredeemed cards- Unable to use. Google refuses to redeem or cash, restricted use to only digital games/movies and can not be used for Google hardware. As an XXXX year old Senior can not use {$2000.00} for digital games The Google play cards thus became a vehicle to laundering money by fraudsters and render Google an ac cessory to scam by refusing to cash or buy back from owner.

Have contacted Google Play CS onXX/XX/XXXX- thjey are totally inflexible about buying back cards or exchanging for something of value.
Product: Credit reporting or other personal consumer reports

Experian will not cancel paid membership, will not answer the phone, will not allow me to login to my account, no option to cancel membership
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Discover Account # XXXX, 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 an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

TRANSUNION continues to furnish 2 inaccurate unlawful past 7 years XXXX loans accounts in Collections. TRANSUNION was informed of XXXX day of delinquency XX/XX/2017 but willfully neglected to remove pursuant to CFR 605 ( a ) ( 4 ) ( 5 ) ( c ) 1.

Transunion is also preventing me from obtaining a Consumer report with them and annualcreditreport.com. 
Student loans accounts are being furnished by Fraudulent identity theft. I have attached a copy of the FTC affidavit as proof that the aforementioned XXXX loans accounts are the results of Identity Theft and Fraudulent
Product: Mortgage

I own a home in Florida. It was damaged during the recent storm on XXXX XXXX, XXXX. I rent it out to tenants. My insurance company is XXXX XXXX XXXX ( XXXX ). I reported the damage. Fortunately, the house was habitable at all times. The main damage was to the roof. To mitigage damage to the house, my property manager, at my request, had the roof repaired as quickly as possible. XXXX later sent an adjuster, " XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX '' to the property. Its report is attached. It begins on the sixth page of the set of documents that are attached. XXXX sent me a check based on the adjuster 's estimate. However, to cash the check, I needed the endorsement of my mortgage company, Wells Fargo. I went to a Wells Fargo branch to obtain this endorsement on Saturday, XXXX XXXX, XXXX. However, Wells Fargo required me to sign the attached document entitled " Insurance claim check endorsement & Property Inspection Agreement ''. I regret that my wife and I did not think this through before signing. There are provisions that I think are unconscionable. First, in clause 3, it is stated that if repairs are not completed in 120 days, I admit that I have breached the terms of my mortgage and Wells Fargo may call our loan due. In addition, on the prior page, it is indicated, in the second paragraph, that those repairs need to be 100 % complete. This provides, in my opinion, far too much discretionary power to Wells Fargo. I consider it unconscionable that a person trying to repair their home but perhaps not meeting Wells Fargo 's definition of timely completion or an inspector 's definition of 100 % completion ( rather than some more sensible level of substantial completion ) could lose their mortgage. This requirement was not written in my insurance policy with XXXX. No consideration was provided by me for this additional right conferred upon Wells Fargo. Is n't making this provision mandatory inconsistent with consumer protection laws? Also, clause 2 provides me 10 days from XXXX XXXX to indicate any disagreement that I might have. I suspect that this means that I can keep the proceeds, apply them to the repairs, and not agree to these extreme provisions. I plan to indicate in additional ways in writing my disagreement to Wells Fargo, but I want to know what my rights are. In order to keep the proceeds, am I required to sign something with such draconian provisions which place my entire mortgage at risk? I suspect many others in Florida are facing the same situation. This may be a good story for XXXX XXXX!
Product: Prepaid card

I started using a netspend card to use the virtual numbers for a motel i stayed at for a day. They charged my account almost XXXX. When i spoke to netspend we figured I was overcharged by XXXX something of that sort. I am not sure about the actual amount. They closed my account and I was no longer able to get access into my account to go over any statements or any accuracy of my total spending on that account. They supposed send a check of XXXX and that was never received. I tried contacting them over and over, I was able to receive a check of XXXX from another account that had been used. Every time i call or try to email them. I get the run around from their agents and get hung up on and start the process again. I have been targeted and they have been using a XXXX type of harassment, this type of harassment typically they target you by using technology, and stopping every way for you to access family friends money any means to get help and basically overcome this type of extreme and severe harassment.
Product: Credit card or prepaid card

I am writing to file a complaint with capital one in regards to my walMart rewards card. I am reaching out as I have gotten my account back in good standing and they are still refusing to let me use it. When I call to ask why they state they will not allow me to access my account due to my late payments which I have resolved. Also when I make a payment they purposely use accounts that are closed to avoid having to allow me to use my credit. When I asked them when and why havent they notified me that my account is in a restricted access status they say theyve sent me notices Ive never received them nor did I agree to allow them to do this to my account. Why wont they allow me to access the credit limit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... please remove
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 

Issues with Equifax Credit Report XXXX XXXX XXXX ( Charge-Off ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ) :
Product: Mortgage

Ocwen Loan Servicing , LLC stopped payment on a check that was mailed to My local Tax Commissioner for my property taxes. So my taxes have not been paid after XXXX phone calls still nothing so I have paid the bill myself before the they put a lien on my property. The Company will not issue my money back out of Escrow and I am out this money.
Product: Debt collection

I contacted AR Resources at XXXX XXXX XXXX to discuss a voicemail that they had left on my cell number. I was asking the rep for information on the debt and the original company stating that I owed the debt. The rep stated that they had mailed certified docs which they did not and were never received by or I would have reached out to dispute the debt sooner. I asked for formal documentation and the rep became angry and combative. He provided an original debt date of XXXX and I informed him that I had not acquired any credit from XXXX in XXXX and that this matter needed further research. The rep began raising his voice and disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states that 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.

Also, there is missing information in the report. How do they even know this account is mines? Also, this account is not Metro 2 Compliant. 
I very disappointed in Equifax, XXXX and XXXX for not completing a thorough investigation.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.
Product: Money transfer, virtual currency, or money service

The Arbitration provisions of the Deposit Account Agreement of Goldman Sachs Bank USA ( " Goldman '' ) requires the mailing of a " Claim Notice '' prior to one initiating a lawsuit, arbitration or mediation. The same Deposit Account Agreement referenced the Privacy Notice of Goldman which pertains to the collection of personal information and states, in part, that ( i ) Goldman may begin sharing personal information 45 days after the opening of an account, and ( ii ) Goldman shares personal information for purposes of joint marketing with other financial companies, Goldman 's everyday business purposes, etc. The definition of " personal information '' includes trade secrets, commercial information, and the like. 

The issue is that an amount holder can run the risk of delivering sensitive information such as trade secrets, commercial information, and the like, in a " claim notice '' without receiving remuneration for doing so. An amount holder would have to have " funds '' to litigate, arbitrate or mediate, and can easily have the personal information that the amount holder shares via the submission of a " claim Notice '' stolen simply due to the attrition that is very likely to occur by going through the processes- against a financial institution that presumably has access to millions upon millions in " funding '' - of submitting a claim notice and waiting, then initiating a lawsuit/mediation/arbitration and then having to deal with that while also having to handle the general demands of life and the rest of society. It isn't fair- not even a little bit The Deposit Account Agreement also contains provisions that reserve the right of Goldman to act in accordance with the Deposit Account Agreement even if Goldman refrains from exercise of an act ( or if Goldman is not required to act yet does ). This leads me to believe that Goldman can handle my request for a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now Transunion and XXXX  have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was XXXX in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on Transunion or XXXX  and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal

ly protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 be
lieve that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX 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 card

I received a Credit card application ( not an actual card ) from CapitalOne for a credit card at my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX The application was for person who doesn't live at this address that I have lived at for the past XXXX years. The XXXX was address to a XXXX XXXX XXXX and as a reservation code XXXX. In the past I would ignore it but a member of XXXX I received an alert because of the large data breach back in XX/XX/year> that my name, address and SSN are now on the XXXX XXXX I apologize, if this is premature as I have previoulsy placed a XXXX XXXX  with the XXXX major credit reporting companies.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. Under 15 U.S. Code 1681n, individuals have rights to compensation for willful noncompliance by credit reporting agencies. 
I accessed a copy of my credit report from your bureau and found several discrepancies and inaccuracies that have a significant impact on my creditworthiness and financial reputation. These errors include Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) Consumer Right to Privacy Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) Consumer Right to Privacy As per the FCRA, I kindly request that your bureau promptly investigate these inaccuracies and take the necessary steps to rectify them
Product: Prepaid card

I tried using my American Express gift card with an expiration date of XX/XX/year>. The card was rejected by XXXX and when I went to American Express 's website to check the balance, it could not give me the balance or activity information. Upon calling the number on the back of the cardXXXX, they told me the card was turned off and sent to unclaimed funds/ property for the state of NY because no one used the card so sometimes they shut them off. This did not make any sense to me as the card was never used and isn't expired. American Express has turned this card off for no valid reason.