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

Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the FairCredit Reporting act. The list of the account above has violated my consumer rights 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 crime 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 that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the Certified letter that was sent to XXXX on XX/XX/XXXX To whom it may concern, XX/XX/XXXX, My Bankruptcy was discharged. I also sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating, " They do not report any bankruptcies to any outside agencies. '' So, if that's the case how did the credit bureaus edify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the

15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. 


The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 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 reasonably believes that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$15000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.

This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items or the information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I received a letter in the mail that Suntrust was going to close my account because I had to sign a form. I received the letter on XX/XX/XXXX. They said they were going to close the account on XX/XX/XXXX if I did not sign the form. 

I called the number on the letter and they said I had to go to the branch to sign the form I wen to the brach on XX/XX/XXXX and they ( XXXX XXXX XXXX XXXX XXXX ) told me that I had already signed the form. 

She said to call the branches business banker - I did and he never returned the call. 

A few days later XXXX said I needed then come back and sign the form so I did. 
A few days after that she called and said they were closing my account. 

She said that she had sent in the form I signed but my account was still going to be closed because the other dept ( Consumer OPS Risk Admin ) says I didn't sign the form. 

She says she knows I signed the form and that she sent in the form and that she doesn't know what else to do. 

. None of this makes any sense.
Product: Debt collection

Todays Date : XX/XX/XXXX To : Complaint Department Medical Revenue Service XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX Re : Dispute Medical Collection on Credit Report To whom may concern, I am writing this letter to you in request that the charges from XXXX XXXX XXXX XXXX be immediately dropped and updated as removed from my Credit Report. 

The account reflects an alleged remaining debt in the amount of {$5100.00} from XX/XX/XXXX. 

This medical collection is inaccurate and should be considered obsolete for the following reasons : I had walked in the hospital and they immediately noticed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The first thing they asked me was my government name and if I had insurance. Then, some nurses at a glance looked at my XXXX  on my forehead and took me to a chair in the hallway. Not a private room or a clinical room to at least clean me up, but just a chair in the middle of a hallway where patients would just pass by & stare. I thought to myself I would just be there for only a moment until I was seen, but instead I sat there for 4 hours waiting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the bare minimum. At this point, I was disappointed with the lack of care and consideration. I am an XXXX XXXX XXXX  who was just left there alone in XXXX XXXX XXXX XXXX XXXX with no idea what was going on, but obviously it wasnt that urgent for them to see me. It wasnt until I stood up and was going to walk out that a nurse saw and asked where I was going. She said she would send someone over to me now to help me 5 hours later & only because I said I was going to leave. I still waited another 30 minutes until they saw me. I was cleaned up, given a few XXXX  and was done within 20 minutes. You would think if you go to an emergency hospital and they see you walk in with a XXXX XXXX they would take you more seriously. Of course the first thing they did without fail was bill the insurance {$12000.00}. My insurance covered {$7400.00} leaving me with the charges of {$5100.00} which is absolutely ridiculous!!! The cost, terrible care and experience, the service they provided & long wait doesnt add up to {$12000.00}. I would like to see an actual itemized receipt/breakdown of what they are charging for. Also, youd think for the little service they performed the hospital would be content with making {$7400.00} from my insurance. With all being said, I am requesting that the full medical collection debt of {$5100.00} be canceled and removed from my credit report. I can not afford this nor do I think its a valid charge. 

I have attached the credit collection report and photos of my injury on that day for additional reference. Please investigate this further as soon as possible. 

Thank you so much for your attention to this matter. 

XXXX
Product: Credit card or prepaid card

I was scammed by XXXX XXXX XXXX XXXX In XXXX XXXXXXXX It was An extreme over charge! I used my debit card to pay for the overcharge & Signed it " XXXX I do not want to pay this '' I reported this to NetSpend wrote them a lengthy report XXXX NetSpend Couldnt have done an Investigation .. They turned down my Dispute .. So I Investigated .. I found 29 Horrible Reviews 9 on the XXXX XXXX XXXX Others On XXXX XXXX Others on another Reporting Online Servies All Regarding The Same Exact type Issue as mine With This Company that goes By 3 Names .. The wreckers Have XXXX XXXX XXXX Written on There door .. The Office Is XXXX XXXX XXXX XXXX & They Billed NetSpend Under Another Name .. When I recieved My Social Security Ck Direct Deposit to my account NetSpend Took My Money .. They never contacted Me XXXX Other than to text that my Social Security had been deposited .. I left on a trip for a Job interview in California Thinking I had more than {$600.00} Dollars in my NetSpend XXXX My Homes In Al XXXX XXXX Alabama .. During the trip I needed the Money from my account When I tried to get it it was gone Taken by NetSpend XXXX leaving me Stranded In a XXXX Parking lot where I still am 3 days later .. I tried to contact NetSpend 6 times the First 2 times they put me on hold til it Disconnected The Third time I got to a supervisor & he hung up There were 2 more extended holds that Disconnected before I finally talked to a supervisor Named XXXX who tried hard not to be of any help NetSpend Has Caused Me Extensive Pain Anguizh & Suffering .. They Has Caused me Extensive Mental Physical & Emotional Trauma & Left me Stranded.. Please help I don't kno where to Turn and I have no other Recourse Or Resources .. Mentally
Product: Debt collection

I overdrew my bank account in XX/XX/XXXX and received a letter from CU Recovery collections. I called them to inform them the payment would be made to the bank not the collections agency. Afterwards ( the same day ) I verified this at my local bank with the bank manager and was ensured I could pay at the bank and no penalties would be levied against me. Again today XX/XX/XXXX I got another letter stating I owed the full amount when in fact I have paid down the original debt of {$420.00} to {$170.00}. This company is trying to collect the full amount AFTER being informed that they would not be needed.
Product: Debt collection

I tried canceling my membership and have been running around in circles for almost a month now because I have been forced to be the middle man between them and their horrible billing company, ABC Financial. I did EVERYTHING the club asked of me to cancel, yet ABC has a completely different set of rules, which keep changing. The club says I am cancelled but ABC says I am not. They then make up new rules and claims and are trying to collect even more money and not closing my account. Customer service and management have not helped or followed up in a timely matter. As a consumer I have never been put in such a terrible position and I know many, many others have also had this problem. I would pay the extra money they now say I owe and therefore are refusing to close my account but I 'm afraid to give them credit card information or that I will pay them but continue to be charged, just like last time. Both I have requested a letter from both ABC Financial and XXXX stating my account is paid and closed and that has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX- XXXX {$440.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX  XXXX P XXXX {$920.00} XXXX XXXX XXXX {$3300.00} XXXX  XXXX XXXX {$450.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$1700.00} XXXX  XXXX   XXXX {$440.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX {$650.00} XXXX  XXXX   XXXX {$660.00} CREDIT COLL XXXX {$140.00} XXXX  XXXX  XXXX {$610.00} XXXX   XXXX  XXXX {$120.00} XXXX  XXXX   XXXX {$66.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX {$450.00} XXXX  XXXX XXXX {$690.00} XXXX XXXX {$1000.00} XXXX   XXXX {$16000.00} XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/scrub>/2024 by CBNA. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ).

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry.

I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request. This company was an unsolicited offer for soft inquiry offer via XXXX or XXXX.
Product: Credit card

On XX/XX/XXXX, an unauthorized purchase was made at a Best Buy in XXXX XXXX, XXXX  The purchase made was for a XXXX XXXX and a XXXX XXXX I did not make this purchase. I live in a whole different state, XXXX XXXX. When I noticed this charge on my statement, I immediately reported it to Best Buy for fraud. They removed the {$2100.00} charge and noticed the change in my XX/XX/XXXX statement. However, the charge was put back on my account on my XX/XX/XXXX statement. I called Best Buy and they told me that their investigation concluded that there was no fraud and that I am responsible to pay for the charge. They said it was based on my response that my card was not lost or stolen. This is true, I did not lose my card or got it stolen. Which concerns me as to how this purchase was even made given that they did not have my card physically. Ive been dealing with this issue for over XXXX years and the interest is just piling up. I shouldnt have to pay for something I did not purchase. Ive been too busy to fight this but now I really need to handle this. Please assist.
Product: Money transfer, virtual currency, or money service

My Coinbase account got suspended from selling and buying XXXX, XXXX, and XXXX. I believe the error is due to a Coinbase ID Verification error which causes a mismatch with the Coinbase account name with the name on a linked bank account. I have $ 1,500+ on Coinbase which I would like to sell, however I have been locked out of my funds and can not contact support in anyway. Phones are busy, and emails and DMs on Social Media are not being responded to. Other seem to be having the same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax by lax security allowed mine and 145 million other Americans DOB and SSN information to be stolen.
Product: Credit reporting or other personal consumer reports

I am filing a 3rd complaint against Equifax Information Services. After learning that my personal information was exposed in late XX/XX/XXXX, I made a request to all XXXX agencies. Only Equifax refuses to provide my report. Violation of Federal law. I have 2 other open complaints with CFPB because they keep sending me the same letter requesting information that has already been sent to them. I have submitted all of the information Equifax requested on 2 occasions. I can't keep paying the post office because Equifax is either losing things or simply aren't doing their job. I am retired and do not a pay stub or XXXX. The SS card was submitted but I am not submitting it here per your guidelines. I provided multiple items that prove my current address and even sent them a page of last credit report they sent me in XXXX.
Product: Credit card or prepaid card

As of XX/XX/XXXX ( my XXXX birthday ) my parents opened up a capital one credit card in my name that I didnt know about until today XXXX XXXX. I had no intentions on getting a credit card until I finished XXXX XXXX  of XX/XX/XXXX. I had no idea a credit card was in my name. I would like to close this account because I dont trust that my parents will pay it off especially if its almost been 4 years anyway. I have proof that I didnt know about this as well just by looking at the address of the time which where the residence of my parents. Please this is affecting my credit score.
Product: Credit reporting

This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Transunion Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of 1st delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Transunion Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of 1st delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Transunion, but they apparently will not conduct a thorough investigation which should include contacting XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021 my wife notice fraud committed to our small business checking account. We immediately reported to the Wells Fargo Bank who was supposed to initiate an investigation. Every time we called we were transfer to a different person and each person new nothing. After that in XXXX they requested a complete detailed report send by fax which we did and faxed on XX/XX/2021 which detail step by step how the incident occurred. The report also included XXXX of the hackers name, phone number, ect. XXXX times were called after submitting the report and as the firs time no XXXX new anything about the fax. Finally they confirmed that the fax was received but no one had the time to look at it. As of today the money have not been reimbursed nor any communication to use on the status. 

I decided to call Florida Attorney General Office where they instructed me to issue a Police Report which I did, File a report at XXXX which I did, File a complaint at the XXXX XXXX XXXX, which I did and finally File a complaint with your agency and is exactly what I'm doing. 

We are not sure if our account was what Wells Fargo  reported back in XXXX where there access code was used to steal the personal information of roughly XXXX consumers, leading the bank to conduct a full-scale inquiry into the data breach.