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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 item 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 to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

I am a XXXX XXXX XXXX who assisted in XXXX during the Covid-19 crisis. I had called Nordstroms  prior to my leaving to explain I could not afford the payments and needing a payment plan. The XXXX dollar payment plan they offered I could not pay. I returned from XXXX and called to pay my entire XXXX bill in full. I had saved up to pay this debt off from my paycheck. I received pushback from a store employee in the credit department stating the late fees of XXXX dollars would not be forgiven despite the Cares Act President Trump signed. 
I was then transferred to a supervisor stating, you had to call us to get that credit! I told him I was kind of busy saving lives with people who were dying ... he stated, Im sorry you still owe the money I cant help you. 
I need assistance, they need to accept my full payment of my XXXX bill and take this off my credit bureau report. 
I am very upset that after all we as Americans have been through this is how XXXX XXXX  are treated! 
Much Respect, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

The loan officer lied consistently were told loan was in process and already sent to underwriting after doing an application online in XX/XX/2019 all documents requested were submitted via email and faxed to loan officer!  The loan officer tried to force me to put my wife on the title yet I was purchasing home in my own, he tried to dissuade me from a XXXX XXXX Loan and  did the application for a completely different loan not applied for !  Loan number given  was XXXX all requested documents provided in a hours at the most 24 hours.  Loan officer became angry when Appraisal of property was requested and a copy of Appraisal wanted insisted fee be paid via credit card and became angry when citizens bank   check was sent within 24 hours told loan would be denied if did. Or do exactly what he says!   Loan officer reported to head bosses and pattern still continued kept asking for sane documents over and over in order to delay loan told others documents not produced Which was untrue every request was adhered to!  This is the most telling all disclosures sent to loan officer not uploaded to secure file for mortgages online stated none were sent yet were both faxed and emailed several times.  Loan officer insisted that Ho6 be brought prior to closing which was done believing he was honest only to find all the weeks he all set it was not!   I was told Appraisal was fine, told in understanding, told all set only to find docs sent were not added to file to add insult to injury the loan papers contained errors that he refused to fix told to just do as told interpreted do as told XXXX .  He on loan papers stated we I declined to answer race questions untrue again this was changed to the read correctly black!  This was done several time put Accts that letters were attached to loan docs missing, explanation as to shopping  for mortgages new inquiries letter not attached probably three away all taxes provided, 401k docs, bank statements and told that since he works at bank he can access the Acct at citizens easily the reason he does not need the statements in short he did not want things.  All other loans applied for some not were cancelled due to loan officer insisting they were leading one to believe as he stated that all was set hence reason that H95 was purchased at his requests in it about XX/XX/XXXX and put in Citizens name.  He was tricky, rude, did not answer questions and misinformed  at every turn.  This is the reason homeownership has dropped for people of color discrimination, fraud on part on banks and more all complaints sent to XX/XX/XXXX, Mr. XX/XX/XXXX and Office of Chairman at Citizens ! My credit scores are good and remain so told to sign loan papers and nothing would be fixed until closing it regardless to right or wrong did not do so due to knowing this to be wrong crossed out incorrect things and initialized along with giving  letters of explanation all missing from file so how can an underwriting make a decision they cannot because he was lying
Product: Debt collection

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom it may concern. 

We contacted XXXX XXXX, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXXXXXX XXXX and XXXX XXXX  refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX, which eventually was transferred to XXXX XXXX . In between XXXX  and XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXXXXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXXXXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XXXX XXXX XXXX XXXX. XXXX XXXX  was paid in full, and we have a letter directly from XXXX XXXX showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX  numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

AMEX, a financial institution and furnisher of information, along with XXXX 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 AMEX, XXXX, 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. AMEX, XXXX, 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. AMEX, XXXX, 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}. AMEX, XXXX, 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 received a letter from Capital One that I was definitely not able to believe it was true and honest Im wrongly accused of something that I havent been told. I have spoke with XXXX Capital One representatives and warned them they would have a problem with the issue of allowing an unauthorized impersonation criminal cause me to loose my accounts over the years and be held responsible for not being about to take advantage of the data breach I qualified for. 

Right now, CAPITAL ONE REFUSES TO DELETE THE PHONE NUMBER THAT WAS HIJACKED FROM ME, XXXX My last activity and ownership of this phone number when it was open and current on my care was XX/XX/year>. After this point. I can not confirm the identity or status associated legally with my name and address. Or any other information that is relevant to this phone number. I have repeatedly asked for the number to be updated and have applied for secured account and had to submit the information with 2 different Capital One Fraud Representatives.
Product: Checking or savings account

Greetings Im the owner of XXXX XXXXXXXX XXXX. 
Ive been a square account holder for almost 4 years, With only 2 disputes from customers.XXXX XX/XX/year> My account was deactivate by square due to potential fraud they said. They asked me for proof of all document and i sent them in, they never granted to keep my account open or release my funds until a 90 day period which leads up to XX/XX/year>. I ask what was the reason for account closer and the rep that emailed me stated that they dont have to explain in further detail it looks fraudulent. Still no dispute or attempt to dispute with that payment method that raised a red flag.
Product: Debt collection

XXXX XXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/year>. According to the notice, I owe {$1700.00} to XXXX XXXX XXXX XXXX  XXXX XXXX However, I am disputing this debt for the following reason ( s ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was XXXX  at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of XXXX  I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a call from a collections agency ( Portfolio Recovery ) stating that I had opened a XXXX credit card through XXXX XXXX  on XX/XX/XXXX and had not paid on my credit, which resulted in it going to the collections agency. The amount that went to the collections agency is {$2900.00}. I requested the dispute. 

On XX/XX/XXXX, I called XXXX and asked for an explanation. XXXX informed me that I do not have any outstanding debt and that I had not created any accounts on XX/XX/XXXX. 

On XX/XX/XXXX, I called the collections agency and requested more information. The agent informed me that there was a purchase made on the account in the amount of {$4900.00} at XXXX XXXX. I informed them of my call to XXXX and that I had not made that purchase. I was informed that the agency will send me fraud application form in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a letter to Midland Credit management requesting validation for an account they have listed on my credit report, I specifically asked for validation bearing my signature showing that I have ( or had ) some contractual obligation to pay them. I also requested that if validation was not provided removal of all entries to the credit agencies must stop pending the out come of the investigation. As of XX/XX/2021 the validation has not been provided, Midland continue to report to the credit agencies which is a violation of the Fair Debt Collection Practice as well as the Fair Credit Reporting Act, I'm respectfully seeking your assistance in resolving this matter. I need your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Confirmation # : XXXX Hello, In response to your dispute results, there are a few inquiries that should not be on my report as I did not make these requests. 
They should be removed ASAP. They are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX These inquiries that may impact my score are to be removed or investigated at once. I did not authorize any credit inquiries with these businesses nor do I have any open credit/trade accounts with them at all! 

Also, you are still reporting an account that does not belong to me. It is : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1600.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

Theres multiple mistakes on my report that causing damages to myself and my family. Making our lifestyle more difficult. I reported multiple times that my personal information is wrong. Theres 4 names on the account. 5 addresses. And one employer thats incorrect and I had multiple jobs in my life. My credit report is only showing one where Ive never worked. Im not sure why its even on there