23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent. Provide proof of written consent to furnish this account per 15 U.S.C 1681 Section 604 A Section 2 or delete the account from the credit report.
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

Account Name XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2019 I notice that XXXX XXXX XXXX was reporting on my XXXX, XXXX, and XXXX  Credit Report an amount of {$660.00}. I send a letter requesting a signed contract with my signature due to me having no acknowledgment of this company or account
Product: Debt collection

I opened the Best Buy credit card account to purchase a laptop for about {$650.00} at the Best Buy store in XXXX of XXXX. I was barely using my card at that time. Made small purchases at gas stations and fast food places. The Citi bank never mailed me paper statements since I opened an account. In the summer of XXXX, I got a bill stating that I owed {$4600.00}. I tried to call the bank numerous times, talking to a lot of different representatives about it. I was told that the charges were made on onlyfans.com site. I asked to mail me a transaction history. I received it in the mail. The statement listed multiple charges in different amounts on the same website within a few minutes at different dates. I called back the bank to notify that those charges were not mine. The Bank failed to recognize and notify me of the fraudulent activities that were going on my account during the Fall and summer of XXXX. I asked to connect me with the Security operation department to open an investigation. I made a few payments on my card while waiting. In XXXX of XXXX I received a letter from the Security operations department notifying that the investigation was completed and the disputed charges were removed from my account. Unfortunately, the letter did not provide any details on the amount of the removed disputed charges. I was not able to access the Citi bank website to view the information online, because the site does not recognize my credit card number. The card is no longer active. I received another bill afterwards, stating that I still owed {$4600.00}. I also received a letter threatening legal actions if I don't pay that amount. When I call the Citi bank by using my social security number, it automatically transfers me to the XXXX XXXX XXXX that is trying to collect the debt. The debt is not mine! I appreciate your assistance in this matter.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was trying to get a statement from my cash app account and I could not do it in my own so I went to the web site to get the phone number to contact them for help with getting a statement. the number I called was XXXX XXXX and spoke XXXX from customer service. He told me he could help me get a statement and wal me through the process. He told me that I had to do a demo transaction to create a statement and that it was not a real transaction it was fake and would not be deducted from my account. so I trusted him and sent a {$89.00} to XXXX XXXX then he told me I had to do another one for {$290.00} and then he said one more for {$430.00}. He told me to wait 5 minutes and I shoud get a statement in my email. No statement so I called him back and be blocked my call. I called my bank to tell them what happened ( XXXX XXXX XXXX ) they told me I was just scammed. I did file a claim with XXXX XXXX XXXX but they denied my claim because they said I initiated it and they did what I requested even though I was scammed. Now I want to make a claim with cash app. which is Square cash. I recently received a call on XX/XX/XXXX. from someone posing to help me with my refund regarding my scam. They wanted me to open a secure account where they can send my money back. I asked them was they from cfpb and he said yes. Then he said he was from California and calling for Square cash. I believe it was the same person who scammed me the first time. I felt harrassed by this person. Can you please help me to contact Square cash ( cash app ) to resolve this matter and get my money back. I recently received a letter from XXXX XXXX from Square cash in California saying she was investigating and wanted copies of the transactions and provided her email XXXX no phone number was provided. I am continuously being harrased by these people claiming to want to help me get my money back..
Product: Credit reporting or other personal consumer reports

Please delete all this accounts, inquiries and incorrect information now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  Case Number : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX BankruptcyXXXX Case Number : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report. I discovered several unauthorized hard inquiries that i do not recognized. I contacted the bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them of my report. This issue is causing undue stress and is negatively affecting my financial standing.
Product: Mortgage

The bank will not allow us to modify the loan directly with loss mitigation or with our agent dealing directly with loss mitigation they are requiring us to deal with the banks attorney as a middle man and we are not happy with the lack of contact, this is in violation of XXXX XXXX and CFPB regulation, also the bank did not properly segregate or provide clean title and refuse to give us copies of our closing documents under a RESPA and TILA request. 

the bank did not properly segregate or property or our house we are now situated on XXXX lots and only XXXX belongs to us, will provide proof with this letter. 

at the time of closing in 2007 we had asked for a copy of our closing documents and they had told us they will mail them, we have never received them, we ave asked for them several times and never received them, our attorney asked for copies under a court motion and we still dont have it, we have been to the tax collector, ( CRIM ) and they had showed us that the bank has the house on the wrong property, our house is sitting on XXXX lots, only XXXX is ours. 

we have someone assisting us in the loss mitigation and the bank refused to work with us our assistant during our mediation and forcing us to work with the attorney instead of the bank directly even though attorneys are not allowed in mediation. 

and we want our copy of closing documents complete, to include our Good Faith, HUD XXXX and copy of all insurances I purchased such as Title Insurance, Appraisal, Segregation, Survey, and any and all copies included.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

I was a victim of fraud where my debit card got stolen and had chargers on the account. When I called the bank they said they werent fraudulent. When I looked at the place Of the transactions they were no where need my address. After this the bank closed my account took the XXXX and said we are no longer able to maintain your account.
Product: Student loan

I was one if those low income students who put my loan in deferment an the interest was so high, after it got out if deferment the balance was higher than it was before the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and BMW/ XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a late payment from XXXX has a late payment in XXXX and they dropped my numbers XXXX points I did speak with XXXX  XXXX that did not report me a late payment I have no late payments I've tried several times to contact Experian I was given the number by XXXX  XXXX XXXX  that I could call them it is a false report
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theftXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1900.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 

XX/XX/LEADBANK : # 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 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: Checking or savings account

There were 3 charges taking out on XXXX XXXX XXXX 


* 2 charges for the amount of {$630.00} from XXXX XXXX I called the merchant and they never got any transactions. 
* 1 charge for the amount of {$120.00} from the same merchant XXXX XXXX and the foun bank refise to help me get my money back. Inform them that I did not authorize the transaction at all. They did nothing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Checking or savings account

This complaint concerns Albert Bank. My account was " suspended '' for absolutely no reason. I have tired and tried to ask them why but my question has not been answered. I was instructed to send my balance to an external account which I did but around the same time ( XX/XX/XXXX to be exact ) my other check hit the account and was not posted or sent back. I was told if I sent them my paystub I would get the answers to my question but they only sent me another generic, robotic response despite being told that I am going to be evicted from my apartment because of this. Albert Bank has no customer service phone number and only response to messages when they feel like it and the answers come from a pool of artificial intelligence responses so this is extremely frustrating and I desperately need this matter to be resolved.
Product: Debt collection

A collection debt appeared on my credit report that I had never heard of, or was never notified of the debt. My daughter had an outstanding XXXXXXXX XXXX XXXX account that was disputed but was never resolved. The only time that I had an association with XXXX XXXX XXXX was when I moved to South Carolina and the internet was with XXXX XXXX XXXX in XXXX. But I never missed a payment. I filed a Not Mine through XXXX XXXX but they said the debt was verfied. I request proof that this is my debt.
Product: Debt collection

I am not liable for this debt with Portfolio Recovery Associates LLC. I did not have a contract with Portfolio Recovery Associates , LLC. I sent a certified letter requesting that Portfolio Recovery Associates LLC validate a debt they've been claiming I owed them and to cease and desist from inaccurate reporting and debt collection. They did not provide me with the original contract as I requested. They have violated sections of 15USC 1681 ( e ) ( n ) ( o ). They claim they've investigated and verified the debt to be valid but have yet to produce one single signatory document or contract that validates their claim. Furthermore, Portfolio Recovery Associates , LLC has openly admitted in their communication that they have purchased my personal information, which does not grant a " third party '' to do so, under 15 USC 1692 ( a ) Abusive Practices. Portfolio Recovery Associates LLC has also violated 15 USC 1692f ( 8 ). This company violates the False Claims Act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Once again I disaffirm any alleged agreement or contract between me, and Portfolio Recovery Associates LLC. Again, PRA does not have permission to acquire my personal information, only the original creditor. I am the original creditor and I never gave you permission. I demand this account be removed from my credit report.
Product: Checking or savings account

In XXXX XXXX XXXX, fell victim to my Frost Bank issued debit card being used fraudulently and reported the fraudulent transactions to the bank. Bank closed account, advised me that I would not receive provisional credits, and would receive any credit only after the fraud team completed their investigation ( 90 days ) and made a determination that the charges were indeed fraudulent. During this time, the account was at a {$0.00} balance ( was not negative in the amount of the disputed transactions ). After the 90 day investigation period, the local branch manager overseeing my fraud case called me to advise that the investigation was completed and that it was determined that fraud had occurred. She advised me to come to the branch to pickup my cashiers check in the amount of {$1200.00} ( may be off slightly ), which would effectively zero out the account for the closure already planned/in affect. After another XXXX days from picking up the cashiers check, the branch manager called me to advise that the decision had been reversed, and that my account was negative in the amount of the cashiers check that the bank issued me, and that I would need to repay the bank this amount to avoid the account being sent to collections and the unfavorable account history reported to consumer reporting agencies. When I asked how this was possible that they could reverse their decision after the 90 day investigation period had completed, they made a determination in my favor, and issued me a cashiers check, she did not know the answer and commented that she had never seen this happen before and that it was just what she was told. I asked to speak with someone directly in the Fraud department, but was advised that the bank did not allow this type of interaction. The account has been sent to a collections agency, and the poor account performance was reported to consumer agencies. This has been extremely damaging to my financial well being, making it impossible to open accounts. All of this after I had been a victim of fraud and patiently waited 90 days for {$1200.00} of my money that was stolen from my debit card to be returned to me. The impacts and cost long term have now far surpassed the original amount disputed.
Product: Debt collection

Today is XX/XX/XXXX. I am receiving calls from KeyBank stating I owe {$30.00} for a service fee on an account ( maybe a checking account ) closed in XX/XX/XXXX. I have never received any previous written communication or phone calls about this. It would seem that KeyBank would have an obligation to notify me in writing with a statement, or some other means, rather than waiting nine years to bring this to my attention with a phone call.