23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality undeXXXX XXXX XXXX XXXX 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

I Did not consent these unauthorized inquiries and inaccurate address XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FCDPA The company is NOT licensed to collect in my state and produced fake NY State licensing
Product: Debt or credit management

I  AM NOT LIABLE FOR THIS DEBT WITH SECURITY FINANCE,I DO NOT HAVE A CONTRACT WITH( SECURITY FINANCE ), THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX3

XXXX XXXX XXXX XXXX, SC
Product: Checking or savings account

I deposited an {$1800.00} check at Wells Fargo ATM on XX/XX/XXXX. The bank placed a hold on this check even though XXXX XXXX released the funds on XX/XX/XXXX. We have been given several different dates funds will be released none of which happen. We have called numerous times even went to a local branch.No one helps. XXXX XXXX has also reached out to bank to no avail. A banker at the local branch told us we could go ahead and pay our bills but there would be a {$35.00} overdraft fee for each one. Wells Fargo has caused me a lot of undue stress and has placed a great financial burden on my family. My name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My husband and I have been Wells Fargo Customers for fifteen years.
Product: Debt collection

I received notification today via mail and email that a collections account was opened under my name with XXXX for past due charges of {$3600.00}. After speaking with XXXX and the debt collector company, Credence Resource Managment, they provided details that 4 phone lines were opened in XX/XX/2022 under my name. I did not open these accounts nor do I have cell service with XXXX. I use XXXX for XXXX and pay the bill in full every month. 

Credence is sending me a packet to submit proof of identity as well as how to file a police report for identity theft.
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 a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Equifax not Complying with CDIA and FCRA Guidelines by furnishing Unverified/Inaccurate ( Field 18 ) payment status information on my credit report. As per CDIA Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable .I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the Better business Bureau in regards to the violation of my rights by XXXX XXXX as well as damages caused by these " errors ''. The account in violation is reported as XXXX XXXX Account # XXXX
Product: Debt collection

XXXX made improper claims against me, claims which were settled after I filed informal complaints with the FCC. XXXX then improperly sold the alleged claims to XXXX XXXX XXXX XXXX XXXX A debt collector ( Transworld Systems , Inc ) then filed false claims with credit reporting agencies, and failed to disclose that the creditor was XXXX XXXX XXXX XXXX XXXX falsely claimed in a submission to XXXX that it had properly verified the claims against me. 
XXXX injured me by selling a settled claim when nothing was owed to XXXX on account of the alleged claims. Transworld Systems , Inc., XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX broke the law by filing a false claims and injured me by damaging my credit rating. 
The XXXX dispute file is XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of several accounts and inquiries on my credit report, as I am a victim of a recent data breach. I believe these entries were fraudulently added to my report without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully ask that the following accounts and inquiries be immediately blocked and permanently deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

This complaint is for Capitalone. I had missed several payments from the months of XXXX 2020. I had logged into my account to rectify the situation on XX/XX/2020. The amount that was due was indicated to be {$200.00}, which I had paid on XX/XX/XXXX. I then received an email 5 days later indicating that I had a payment due on XX/XX/2020. My complaint is centered around the lack of transparency. To my knowledge, I should have been informed of the total amount due for my next billing date XXXX XX/XX/2020 XXXX after my missed payment was registered in XXXX. I spoke with an agent of Capitalone one XX/XX/2020 and was told that the {$200.00} payment was enough to cover the minimum due. If you missed a payment, the amount that is needed to meet the minimum payment for the nedt billing date should have been available to me to make an informed decision about my payment. Due to financial constraints, I was unable to make that XX/XX/XXXX additional payment because I had only budgeted for the {$200.00} payment that was indicated on my Capitalone account. I spoke with 2 agents from Capitalone one XX/XX/2020 and they were not able to reverse the late fee nor really explain to me why this happened. The gentleman told me that this couldn't possible be a system issue because it would have effected millions of people. So, I feel like they handle their business this way in order to charge more fees on their products. When I went in to make my payment on XX/XX/2020, I should have had the accurate payment amount in order to meet my minimum payment due on XX/XX/2020.
Product: Checking or savings account

On or around XX/XX/year>, I was informed by a banker from Chase, whom I was working with on a checking account matter, that he had randomly noticed my savings account had been deactivated due to inactivity. This makes no sense since I have made withdrawals at least monthly from the account for at least the last 5 years. 
I received no notice of the deactivation, no letter, no email, no text, no note or flag on the on- line system, nothing. 
There is nothing in the Deposit Account Agreement about the criteria and/ or procedures for account deactivation. 
After attempting unsuccessfully at least 5 times to reach the banker by phone, I went into the branch on XX/XX/year> and attempted to deposit a check. The teller informed me that the account was deactivated and I couldnt deposit the check. I sat with a different banker, signed some papers, reactivated the account, and deposited the check. All the personnel I spoke to at the branch did not understand why the account had been deactivated. 
I submitted several inquiries on Chases on-line secure messaging system to attempt to understand their unwritten rules about account deactivation and notice procedures. I receive conflicting answers about the unwritten rules, and an apology for not receiving notice.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my XXXX Internet transfer from my XXXX XXXX XXXX XXXX XXXX Account. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I have requested XXXX XXXX to send an express transfer on XXXX XXXX and XX/XX/year> to my Capital One Checking Account. Capital One has failed to deposit my funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I took my wife to the hospital ( XXXX XXXX in XXXX ) on XX/XX/XXXX - XX/XX/2019 to deliver our XXXX  daughter. Everything went well. The staff at the hospital told my wife and I that with our insurance we would not owe anything for the delivery. We were discharged and we never received a bill of any kind. Fast forward to about a month ago, we are getting a bill from a company called Financial Corporation of America ( FCOA XXXX. ) saying that we owe {$150.00} to a company called XXXX XXXX XXXX. The date of service shows XX/XX/2019, which is when we were at XXXX XXXX. We called the hospital about a month ago and they stated that we did not owe anything. We called FCOA XXXX  and told them this and they stated that we still owed money. They sent us another bill a couple of days ago, the same bill. I called and they would not provide any information unless I gave them confidential information such as address, date of birth, and social security number. They do not seem to be a credible company and I do not owe what they are saying I owe. Can you please fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  XXXX that has never been late. The government shutdown on XX/XX/XXXX and was closed for 35 days. I called my auto finance company XXXX XXXX XXXX and was granted a car payment extension from XX/XX/XXXX thru XX/XX/XXXX. I receive a letter from them saying approved and granted extension. On XX/XX/XXXX I received a alert from my credit report stating I was reported delinquent 30 60 90 days. This is a shame and a disgrace. I need this delinquent remark removed from my credit I am not late. My payment is due on XX/XX/XXXX. I want this cleared up ASAP.
Product: Credit reporting or other personal consumer reports

When I found out there were inaccurate accounts on my credit report, I was completely shocked. These accounts have been hurting my credit score, and Im only now realizing how much theyve affected my ability to move forward with certain opportunities
Product: Credit reporting or other personal consumer reports

Year XXXX I Filed A Dispute With Experian Informing Them Some Accounts Has Been Settle & According To The IRS These Companies ( Collection Agency- 3rd Party Debt Collectors ) Can't Report Income. These Debts Don't Exist Anymore. I Have Already Filed My Taxes ( XXXX XXXX XXXX XX/XX/XXXX ) To Report The Debt With The Original Creditor. I Will Upload My XXXX Taxes. Go To Schedule XXXX XXXX Part XXXX Line XXXX That Amount Included The Debts I Had Informed The Credit Agency. Those Debts Included > 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 writing to formally request the removal of several unauthorized accounts and credit inquiries from my credit report. I have been a victim of a data breach that compromised my personal information, and under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and deleted. 
Unauthorized Accounts XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$770.00} XXXX. Bankruptcy - XXXX # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this account EQUIANT FINANCIAL SERVICES on my credit report for over 4 months now back to back and XXXX is refusing to send me the information that I am requesting I have been asking them to send me all the information that they receive from this company to be reporting this inaccurate information on my report I have never had an timeshare from this company they is also report that its an open account with foreclose to proceedings with a balance the last time they reported this information to them was XX/XX/year> I would like for XXXX to delete this inaccurate information as this is not an account that I'm aware of as it it hurting me mortgage score when I'm applying for an home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent an inquiry dispute letter to TransUnion asking to validate information with these companies and to provide me with copies of any documentation associated with these accounts bearing my signature, authorizing the inquiries pulled from my consumer report. I requested that in the absence of any such documentation bearing my signature, I requested that these fraudulent inquiries be immediately deleted from my consumer report. TransUnion sent a letter in the mail stating that they verified that the information that theyre reporting is correct. TransUnion failed to send and provide me with proof or documents obtaining my signature validating these inquires. They also failed to show me how they verified this information. Recently I received another inquiry I did not authorize. I contacted TransUnion and they refused to help me. I submitted an identity theft report. These inquires are not tied to an open account. Due to the fact that I have fraudulent inquires on my consumer report, I am unable to receive any lines of new credit. I cant no successfully apply for a credit card, an auto loan, etc because of the inquires on my consumer report that I did not give written or oral consent to obtain. According to Title 15 U.S. Code 1681 ( n ), under civil liability for willful noncompliance ( a ) In general Any 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will submit documentation of a recently denied application from XXXX credit card. I was denied because of the fraudulent inquires reporting to my credit file.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian and XXXX XXXX XXXX for their failure to properly investigate and correct inaccurate reporting on my credit file in violation of the Fair Credit Reporting Act. 

I previously disputed the accuracy of the account and requested proper verification of the debt ; however, despite my disputes, XXXX and Experian continued to verify the account without requiring proper documentation, violating their obligation to ensure accurate reporting. 

I have attached the transcript of a phone call with XXXX XXXX, representative of XXXX, in which he explicitly states that XXXX does not own the debt they are reporting ( audio available upon request ). The following excerpts have been highlighted and confirm their lack of ownership and failure to validate the account : XXXX ( XXXX ) : " We don't own this debt... we have to go to XXXX & XXXX. '' XXXX ( XXXX ) : " If it gets paid, it comes off. '' This proves XXXX has no legal right to report this debt to the credit bureaus, making this an FCRA violation. I am requesting immediate deletion. Other highlighted excerpts from the transcript illustrate that I have already disputed the debt and they acknowledged my challenge, their flexibility on the balance further questions the validity of the reported amount, and my return receipt indicates their reported balance is incorrect. 

Due to Experian and XXXX 's failure to conduct a proper investigation, I am requesting the immediate deletion of the XXXX collection account from my credit report.
Product: Debt collection

I am being contacted by multiple agencies that have bought my debt and I am receiving calls outside of the allowed timeframes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. Jefferson Capital Systems # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Jefferson Capital Systems has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Jefferson Capital Systems continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.
Product: Checking or savings account

Current complaint number XXXX, Hello, I received a phone message from XXXX, XXXX XXXX claiming to be with BOA and needs more information from me to handle my complaint/account. I also received another letter in the mail just after this phone call wanting me to contact BOA but at the bottom in the footnote states it's a Debt Collector. 
I have no accounts with BOA, so there is no Debts to be collecting. 
How did I get this Account opened in my Name? 
This account as originally explained, has never been opened by me. I received another monthly statement today XX/XX/21 with another - {$4.00} charge. The new balance is - {$14.00}. 
The XXXX phone number mentioned appears to be a spam type debt collection number according to other complaints. 
I just want this account removed from my name by BOA and when I contact them, I am sent to 4 different departments asking all kinds of personal information.
Product: Checking or savings account

15 usc 1692d violations phone calls with deceptive actions and vulgar language by agent XXXX XXXX by pnc bank phone call at XXXX XXXX. Please cease and desist all deceptive phone calls and business practices. Please mail all information questions and concerns, certified mail
Product: Vehicle loan or lease

When I purchased the vehicle they had brought the paperwork to my workplace. They wouldnt let come meet them after work. Signed the paperwork for what I thought was a trailhawk. They lied and the place is taken over by someone else. The loan with Exeter finance is charging me 21 % interest since 2018 and I still am unable to pay it off. I still owe {$15000.00} on a {$21000.00} jeep. I need help and every time I call them they will not lower my payments or have any viable long term solutions. My interest rate for that state was supposed to be 7 % when I checked online. 

My loan is still listed in my old name which I had changed and they will not update either. I had it changed after I found my birth family.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the accounts that the inquiries that I have listed are fraudulent and need to be deleted pursuant to 15 USC 1681c-2 of the FCRA on XXXX grounds of identity theft. Also, please update my personal information to reflect accurate records only. 

PLEASE SEE ATTCH IDENTITY THEFT REPORT.
Product: Debt collection

On XX/XX/2022 I sent a certified letter that was received by the company Medical Data Systems to verify a debt that was on my credit report that I was unaware of. As of today I have not received anything in writing verifying the debt. I have asked that the information be removed from my credit report since they failed to verify any of the accounts.