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

In accordance with the Fair Credit Reporting Act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

Wells Fargo isnt working with me to get my bank to refund my check that was fraudulently cashed to pay my rent and they are becoming compliance with who cashed because they refuse to check the case and refund me my money I am being charged additional from my landlord and not helping me with a solution
Product: Debt collection

I got a police report from my local department. I explained to them how me & 200 other people were defrauded ( wire fraud ) by an online company called XXXX XXXX. ( You can XXXX and see all the several lawsuits against them. ) I went through lines of credit to build an XXXX XXXX wholesale business. I got capital off the Quicksilver credit card by getting it liquidated to pay cash for wholesale business. I wire transfer them the funds to run an XXXX wholesaling business & signed a contract that included money-back guarantee if I didn't get a return of investment. I filed a complaint with the FTC, Internet Crime Complaint. The company, XXXX, shut down. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now Capital One is attempting to go after the alleged debt via the straw name in all caps FIRST NAME, LAST NAME. I have repeatedly request Capital One to provide me a copy of the original agreement, also known as the " contract '' bearing my wet blue ink signature. A mere printout does not legally prove the existence of this alleged debt. Again show me signatures for each transaction, to establish the validity & authenticity of this alleged debt. Capital One wasn't present at each transaction. They have failed to give me full verification to prove the accuracy.

Next is this credit card secured or unsecured debt?

If it is secured, please provide the original statement that I signed saying that I pledge my assets or my bank account as repayment. If it is unsecured, that means this is an open revolving credit line & I would authorize you to discharge this debt to the Treasury 1st and then the IRS 2nd. Also does Capital One have authority to collect a debt outside of the parental/international jurisdiction. ( Do you have a good standing license to collect debts in other states and to do business in other states. )
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a dispute letter to the XXXX and Experian  and XXXX on numerous occasions to remove a account that is not mine. the three companies never ever got back to me about removing it. i also demanded them to provide the original contract with my signature that i sign its been over 100days and i still haven't heard anything back because of that reason and i demand for the accounst in question be removed this has been stressing me out and stopping me for being able to buy a home for my family and i
Product: Credit reporting, credit repair services, or other personal consumer reports

A lender has declined a loan application on the basis of an Experian report and " reasons '' provided by Experian ( letter attached ). 

A number of these reasons appear to be incorrect. 

In multiple interactions, Experian has refused to define the reasons they provided with their report, or explain how the status of my account ( s ) meet relevant thresholds for those reasons. 

( e.g. Experian has refused to explain on what time duration they calculate credit utilization - monthly, quarterly, etc. They have likewise refused to define what constitutes the " high '' utilization they flagged on my report. It seems dubious that my current 1 % utilization meets any reasonable definition of a 'high ' ratio ).
Product: Checking or savings account

The week of XX/XX/2022, I received a packet in the mail from CITIBANK that included 40 checks embossed with my name and address for a " Citigold '' checking account for a " XXXX  XXXX XXXX XXXX '' account and a " citi '' XXXX with a " Card Agreement Guide '' also using my name, XXXX XXXX. 

The problem is that I never opened any such account. I have never had a a checking account with Citibank. I had no contact with Citibank. All my checking and savings accounts have been with credit unions for over 35 years. 

I called their " customer service '' ( sic ) phone number on XX/XX/2022 to find out what was going on and to make sure the account was closed. Their agents spoke very poor XXXX and the phone connection was faulty. After several long holds, I was connected to the " Fraud Department, '' where the language problem got worse. I was told that the account would be closed. I called them back on XX/XX/2022 where " XXXX '' ( the " supervisor '' I demanded to speak with ) told me the account had not been closed and that over {$600.00} in charges had been made against it. She then closed the account and told me the " Transaction Number '' was XXXX. She said it was my responsibility to pay any charges on the account and that if I wanted to know the results of their internal fraud investigation, it was up to me to call them back at a future date. She said the account was opened on XX/XX/2022, but could give no details as to how it was opened or whether there is any paper trail indicating if there was a signed application for it. In short, they have no evidence that I ever applied for the account. 

On XX/XX/2022, I received a form letter from Citibank confirming that " your Citi XXXX XXXX XXXX ac count '' had been closed. The letter stated : " Please be aware that you are responsible for your balance and will continue to receive monthly billing statements until it is paid in full. '' The bottom line is that this fraudulent account was either opened intentionally by Citibank or a hacker had enough of my personal information to illegally open an account in my name. I requested a letter from them acknowledging that the account was opened fraudulently and that I am not responsible for any charges related to it, but " XXXX '' would not confirm that they would do that.
Product: Credit card or prepaid card

Bank America Business Card is allegng i owe them monies, however their unable to tell me how much i owe, or what was charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX Date : XX/XX/XXXX TransUnion Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Formal Dispute of Inaccuracies on Credit Report XXXX XXXX XXXX Account Dear TransUnion Dispute Team, I am writing to formally dispute inaccurate information regarding my XXXX XXXX XXXX account that appears on my TransUnion credit report. The account details are as follows : - Creditor Name : XXXX XXXX XXXX - Current Balance Reported : {$8000.00} -Date Last Reported : XX/XX/XXXX - **Dispute Reason : ** Inaccurate payment history and account information Upon reviewing my credit report, I have identified the following issues that I believe to be incorrect and require further investigation : 1. Payment History : My report shows that I have missed several payments in XXXX, XXXX, and XXXX, with a worst payment status of 120+ days late. Specifically, I am disputing the following periods where missed payments are indicated : - XX/XX/XXXX through XX/XX/XXXX These payments are marked as late or missed, but I believe they were made on time. 
- XX/XX/XXXX through XX/XX/XXXX These payments are marked as late, but based on my records, they do not accurately reflect my payment activity. 

2. Last Payment Date : My report lists my last payment as XX/XX/XXXX. However, I have made payments beyond this date, and I request that you verify and correct this. 

3. Profit and Loss Write-Off : The account shows a " Profit and Loss Write-Off '' remark. I have not been informed of this by XXXX XXXX XXXX, and I dispute this status as inaccurate. 

4. Dispute Status Resolution : There is a remark stating " Dispute resolved subscriber disagrees. '' I did not agree with the resolution of the previous dispute, and I am requesting that this issue be further reviewed, with accurate information reflected. 

I request that TransUnion conduct a full investigation into this matter and provide me with a corrected credit report. Please verify these claims with XXXX XXXX XXXX and provide me with documentation supporting the current status if the information is deemed accurate. I have enclosed copies of relevant documents, including my payment records, to support my dispute. 

Please correct the inaccurate information or delete it entirely from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I expect to receive confirmation of your receipt of this letter and updates regarding your investigation promptly. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

I was surprised to find inaccurate accounts on my credit report today, and I have no explanation for their presence. As part of my usual routine, I checked my report, only to notice unexpected discrepancies. I attempted to refresh my browser, hoping it was a minor technical issue, but the errors persisted. Because of this, I am asking for a careful review of the documents I provided to ensure I never have to worry about this again.
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 : Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 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 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: Checking or savings account

My account was hacked months ago, a check was deposited and was called to report they restricted my account and refused to let me gain access saying my account and membership was blocked I even filed a dispute which I have not received information from yet also I am getting statements for my accounts still active but I cant use or access it no more
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- FOR XXXX  XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES XXXX XXXX-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX XXXX FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX XXXX FRAUD ACCOUNT # XXXX XXXX  XXXX FRAUD ACCOUNT # 2 XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX  XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for payments on this account that I have included in screenshot inside this complaint. Please investigate and provide proof with statements showing that these statements showing that these payments were late. If proof can't be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact was never late.
Product: Debt collection

I disputed the debt XX/XX/2023 according to the CFPB regulations on medical debt paid or unpaid under {$500.00}. It was validated and updated but was not removed. I placed a phone call to Franklin Services at XXXX and spoke with XXXX XXXX in attempts to notify and remove the account. I was placed on a hold and at some point the call dropped. I made numerous attempts the same day to speak with a person and have not been able to. I made XXXX aware of the new CFPB regulations to which he replied we can add the accounts together to get past that before placing me on the hold that eventually would end the phone call.
Product: Debt collection

I had a debt with XXXX XXXX XXXX that was taken over by Collection Bureau of America. I was unaware of the debt and paid it immediatly upon learning of it from the Collection Bureau of America. This was in XX/XX/XXXX. 

As of XX/XX/XXXX, my debt was still showing open on my credit report, in turn hurting my credit rating and worthiness ( which is ridiculous for {$200.00} debt from 3 years ago ). I called and they said " oh thats a mistake, we will close it now and make sure it is removed ''. Well I find it abolsutely unacceptable that it took three years and me calling to report a paid off account as paid. This is literally people 's lives hanging in the balance. Whether it be for college, a home, a mode of transportation for work, credit worthiness has a direct impact on peoples lives and to make a " mistake '' over so many years that now will take more time to come off my credit is just WRONG. If collection agencies are given the right to have an impact on peoples credit score, they must be almost perfect and not make " mistakes '' that effect people so greatly.
Product: Credit reporting or other personal consumer reports

Im informing you that I have been a victim of fraudulent activity. In my research on removing fraudulent items, I found that I need to visit the Federal Trade Commission ( XXXX XXXX XXXX ) to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies are required to remove items listed on an identity theft report with reference number XXXX Please find the attached documents to assist in removing the erroneous personal information and inquiries from my report. The following items were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged identity theft within 4 business days of receiving the notice.
Product: Checking or savings account

Charles Schwab Brokerage and XXXX XXXX XXXX XXXX. Opened account XX/XX/XXXX. Funded account with {$500.00} on XX/XX/XXXX. Was not able to log in short after. Called on XX/XX/XXXX and verified identity. Was told to wait for fraud team to unlock account. Called on XX/XX/XXXX and was told the same thing. Called on XX/XX/XXXX and again told the same thing. 
Can not login as of XX/XX/XXXX.
Product: Debt collection

I contend that all of the inquiries made by CONTINENTAL FIN CO, XXXX XXXX XXXX, XXXX, DE XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I called transunion about a week ago I dont remember the exact date, I let an agent at transunion know that they are furnishing nonpublic personal information which is personally identifiable financial information on my consumer report which includes account numbers, payment histories, transunion does not have my consent or written authorization to furnish my nonpublic personal information to any non affiliated third parties, i am a federally protected consumer who has a right to privacy I have been damaged because of my nonpublic personal information be furnished when I try to obtain a financial product or service, transunion is subject to the FTC rule making authority and I would like for them to delete my nonpublic personal information which includes payment histories and information from a consumer report persuant to 16 CFR 313.3 ( o ) ( 2 ) ( G ) please delete any nonpublic personal information from my report
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. 

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

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX 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 card or prepaid card

In 2022, I signed up for a new credit card with Wells Fargo, N.A. to purchase appliances from a local store for a home renovation. The interest-free period on the Wells Fargo credit card applies during a ~18 month period provided the minimum payment is made timely. What is deceptive is that unlike other credit cards ( e.g., XXXX ) where purchases are made at a specific retailer on a new card during an interest-free period, my monthly Wells Fargo statement does NOT calculate my monthly payment amount so that I will have paid off the purchases during the interest free period/term. Instead, if I paid ONLY my monthly payment, I would only pay off ~ XXXX of my purchase balance by the time the interest-free period ends. This is not clearly explained, and is described on p. XXXX of the monthly statement in the midst of lots of other text ; this important language is NOT bolded or set apart from other terms and conditions on XXXX of the credit card statement. The onus is on consumers to do the math - that is, to calculate that by the time one 's interest-free period ends, one will NOT have paid off the full purchase amount if one pays only the monthly minimum payment. This is very different from how other credit card companies/banks handle these types of interest-free terms for new purchases and should be clearly and separately stated on XXXX of each consumer 's monthly bill. The language should be bolded and put in a box with a red border, and furthermore, Wells Fargo should be required to include a calculation of what a consumer must pay monthly to pay off all purchase amounts during the interest-free promotional period. This is a deceptive practice and it is intentional- the interest rate for unpaid balances increases from 0 % to 28.99 % ; it also is not consistent with the practices of other credit cards companies and must cost Americans millions of dollars each year. The way Wells Fargo presents monthly invoices for interest-free promotional purchases defeats the purpose of an interest-free promotional period for new purchases.
Product: Credit reporting or other personal consumer reports

I logged into the transunion website to view my report and nothing showed up. I talked to the support representative named XXXX at about XXXX on XXXX XXXX 2024 she told me I can not see it because of an active dispute. ok then I want you to mail me a physical copy..no I can not have my credit report in any medium under any circumstance. I have not requested it in over 2 years so how can they deny me access to my report over any medium?