23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I contacted the company multiple times over the years regarding about this account. still remain on credit report.
Product: Debt collection

XXXX XXXX  continue to contact my place of work after I asked to stop on several occasions. They have been verbally aggressive over the phone.. 
the phone numbers they call from are XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX {$1600.00} XXXX XX/XX/XXXX, is not complete and accurate. Also there are inquires from XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX not my inquries remove and update my credit report. And one more thing according to 15 USC 1681s-2 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. I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent letter by registered XXXX Mail asking them to make sure everything is complete and accurate. They sent me investigation back and said everything is complete and accurate everything is not complete and accurate And according to and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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

XXXX XXXX Account XXXX XXXX has never been 60days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no acknowledge of these accounts
Product: Debt collection

On XX/XX/2021 I sent a letter to LVNV funding LLC for reporting inaccurate information to the credit bureaus. The company refuses to delete or provide adequate proof of debt claimed. They are still reporting this inaccurate item as it is still on my credit report XX/XX/21
Product: Debt collection

LVNV, LLC is in Violation of the Fair Federal Debt Collection Practice Act 15 USC 1692g, failure to comply with my request for " Validation of Debt. " not " Verification of Debt. " Failure to " Cease & Desist telephone calls. " Violations of the FCRA " 15 USC 1681. verification of debt by submitting a signed credit application verifying my signature.
Product: Credit reporting or other personal consumer reports

I have a worldwide fraud alert on my report there has been numerous inquires on my report. I've made police reports, still there has been no results so now I'm filing a compliant to get this matter resolved. the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dispute for Fraud on my XXXX XXXX XXXX Acct on XXXX thru XXXX  My credit card account was fraudulently charged XXXX times from a fraudulent XXXX account. It then assessed another charge for {$120.00} for a power tools. This website does not exist, phone number is not in service and proof of purchase is entirely fabricated and the tracking number provided does not correspond to the fraudulent charges. 
Despite all this Very obvious fraud, the XXXX fraud department refused to credit ANY of the fraudulent charges back to my credit card. Despite many attempts to contact them regarding my disputes with detailed explanations of the fraud, the fraud department refused to investigate the fabricated correspondence they received, or to credit my account for the XXXX times it was accessed by XXXX. 
Below is the actual XXXX XXXX statement that shows the completely apparent fraud on my credit card account. Please assist enforcing XXXX to XXXX XXXX the fraudulent charges back to my XXXX Acct asap. This is absolutely ridiculous and unacceptable conduct by the XXXX XXXX department. Thank you very much for your prompt assistance in this matter. All provisional credit initially given was reversed out of my account by the fraud department. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX sent a bill to Capio Partners stating I owed and never paid my hospital bill in the amount of {$190.00}, I never received a bill from the hospital. Then Capio Partners put on my credit XX/XX/2018 that I owe them this debt. I never new I owed a bill with the hospital because I have two insurances ( XXXX & XXXX ). I called XXXX and was told the bill statement was sent back saying invalid address, this is why I never received a bill, this was a clerical error on XXXX billing. This bill is paid and Capio Partners have yet to remove this negative action of my credit report. I have tried reaching out to Capio Partners and I have yet to get a response from them. I never even received anything from Capio Partners  informing me this account was sent to a debt collection agency.
Product: Debt collection

I received a notification on XX/XX/2020 from XXXX  Credit Bureau in regard to a derogatory account being added to my credit file. This account states that I owe XXXX XXXX XXXX XXXX an amount of {$310.00}. I have not had any business with XXXX XXXX XXXX XXXX for almost 6 years now and I believe this is an attempt for XXXX XXXX XXXX XXXX to re-age for a second time, an account that they claim that I had owed them but when I filed a complaint some time back with your agency for this re-aging, they had sent an e-mail apologizing the action and removed the derogatory account from my credit file. The debt collection agency handling this is called Credence Resource Management. See attached screenshot for more information. Thank you.
Product: Debt collection

I received a collection notice from F.H.can & Associates , INC. The letter was dated XX/XX/XXXX. I requested a alleged debt valuation letter debt on XX/XX/XXXX which was Send overnight certified mail in that letter, I specific asked for validation of that which include contract signature page of original contract. A detail list of history of payment made by me on this account and I also asked for a chain of title Authorizing The debt collection agency to be collecting the net. however, they did not provide the validation of debt nor the item that I requested to validate the debt and on XX/XX/XXXX I also send a second letter certified mail however, they did not accept the mail it was returned back to me on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX {$2300.00} XXXX XXXX XXXXXXXX {$4800.00} XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} Cbna Citi card XXXX {$14000.00} XXXX XXXX  XXXX {$3900.00} $ XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : 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}. XXXX XXXX, EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Checking or savings account

I opened an account with Citi bank online and funded {$8000.00} on it. 
However I was not able to access my account in any way and I dont know how to access my funds or use this account. 
They sent me emails and letters since I opened the account but with no account number information. I tried using the website and the app ( as I have their credit card ) and my checking account did not appear. 
I tried calling and spent 30 minute on the phone getting transferred and they couldnt help me and hung up on me. 
Then I tried messaging them on the app and they were unhelpful for 10 minutes till I gave up. 

I need help releasing my funds and closing this account, and get compensated for the hours wasted and time value of my funds.
Product: Checking or savings account

I have a checking account with Capital One online bank. I deposited a check for {$5000.00} on XX/XX/XXXX. The check was a XXXX gift from my father. Afterwards, my online account was frozen. I resolve this issue with the bank and was able to access my online account on XX/XX/XXXX. After which, I received a message that I need to call the bank about the status of my checking account and that funds were unavailable. They provided a number to call, which direct me to an answering machine. Ive left my number with them several times, but have not received a callback about the status of my account. On XX/XX/XXXX, I visited a Capital One XXXX in XXXX. A representative at the XXXX was able to put me in touch with someone from the bank via phone. The person told me my account had been closed and my money would be re-distributed at some point in the future. They did not tell me why my account was closed nor did they tell me when my money would be sent to me. I asked if they could call me back. They said they would contact me with more explanation but they have not done so. I have called them twice since Ive visited the XXXX, but Im redirected to the answering machine I was before. My money appears to be in the account when I look online, but Im not sure when it will be returned to me and have received no communication from the bank. This is deeply frustrating because my money is affectively being held hostage while I wait for the bank to send me a check.
Product: Checking or savings account

I was hanging out with my girlfriend and I check my account and there where XXXX checks XXXX and XXXX and I had no clue what they where. The XXXX XXXX got approved by the bank and the money was put into my account However the XXXX one didn't cause I called in and reported them. Then they did there thing and said it came up false and then the other one said I was fine and there was no charges to me and they resolved it. Then I had an old friend phone number after say they hacked my bank and the name was XXXX. I was super confused cause it was specific. I went to the branch and they said the same thing it was my fault or something cause of the XXXX {$1000.00} XXXX payments and that happened when THEY allowed a XXXX check that was fake go into my account. It was no longer pending and was a really check according to whoever looked at it. Then I seen it and it wasn't even my signature. So they let a check that wasn't my signature in and they still said they couldn't do anything and I had to pay for it all. This was weird because someone hacked into my account and put fraudulent checks that I called in about and sent money off after XXXX check got approved. Then I called in and reported all this and then they did nothing about there mess up.
Product: Student loan

Wells Fargo charged off my student loan in error XX/XX/XXXX. My payment compliance history was stellar. They ignored my calls about the error until XX/XX/XXXX. Wells Fargo then requested my cooperation in paying arbitrary amounts over several months necessary for their system to reinstate my account, which I accommodated. Wells Fargo charged my account off again XX/XX/XXXX and again are ignoring my request for correction. This is damaging my credit again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the inquiries referenced below and demand verifiable proof bearing my signature/electronic signature. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete them. This constitutes a violation of my rights under the Fair Credit Reporting Act sec 604, as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus required to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the items. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.
Product: Debt collection

Was called today by Radius Global about a bill dating back in XX/XX/2018 from XXXX. The caller claimed I owed over {$600.00} on this bill. I asked information about the debt and they only provided me with a XXXX that I have never seen nor do business with. I started questioning about the bill such as original creditor, acct number and total amount owed ( any interest or payments made since last billing statement ), asked about age of debt and date the original creditor claims the debt became delinquent. Caller could not provide information to this. Also asked for the authority to collect the debt in my state and if they are licensed to collect and as well as the license information. Again the caller could not provide this information nor get a " supervisor '' on the phone to be able to provide this information. They are in clear violation of the Fair Debt Collection Practices Act.
Product: Debt collection

i have no knowledge of debt contacted by debt collector on phone apparently it is a hospital bill from XX/XX/2013. 5 years ago. I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim this is the second collection agency I have not been sent anything in the mail to will not send me a way to dispute
Product: Checking or savings account

On XX/XX/XXXX, Bank of America process a mortgage payment without my consent or permission. I called and spoken to at least 5 Customer service representatives requesting the payment to be reverse. they agreed to reverse it. They then sent me an Affidavit form to complete and I did immediately On XX/XX/XXXX They charged my checking account $ XXXX.No warning, no communication. This is despite the fact they knew I had no fund available to cover it any charges. As a result, I ended up with so many unpaid transactions to my creditors ( via  Automatic bill pay ) i ended up with so many fees from both my bank for insufficient fund and from my creditors.Some of my creditors rush in decreasing my available line of credit and my credit report has suffered tremendously. 
Bank of America has acted illegitimately, unfairly and wilfully to place my account in a very absurd and negative rating.