23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> Received a call from US Bank customer service stating that a credit card that was never activated had been used to try and make a purchase outside of the state I reside in. Spent 25 minutes on the phone verifying myself and that no use of the card had occurred for years and that card was never activated. 
XX/XX/year> Make 5 separate calls to try and get account dealt with to get online banking for checking account open as at this point I am not able to access my checking account as the credit card company has put a lock on my online banking. I can not see or access checking account, mortgage or equity loan to verify no other suspicious activity is occurring. Spent over and hour on the phone with 5 different representatives and kept getting transferred to different department and having to reverify all my information at each transfer. They stated that only 1 representative could assist and that person is not ever available when I call. 
XX/XX/year> Contacted local US Bank XXXX XXXX XXXX office by email and phone to try and get accounts closed or gain access to my checking account. The local bank stated needed to cancel credit card with the credit card company. 
XX/XX/year> Tried calling customer service again to try and close credit card account and redeem rewards and they are not able to assist with this. They stated I need to talk to different department and started transfer system again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX {$14000.00} XXXX  XXXX XXXX Account # XXXX {$18000.00} XXXXXXXX XXXX XXXX # XXXX {$16000.00} XXXX XXXX XXXXas 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX 15 USC 1681

Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! Resolution ( Delete listed accounts )
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items removed from my credit report immediiately. I am attaching proof that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Accounts : XXXX XXXX XXXX  XXXX # XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 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 of 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

I FILED A DISPUTE LAST MONTH AND I STILL HAVEN'T HEARD ANYTHING FROM THE CREDIT BUREAUS
Product: Payday loan, title loan, or personal loan

XX/XX/2022 1st financial has since then harassed me almost everyday and continue to harass. This account is involved in an lawsuit but yet I'm still getting phonecalls emails text messages mail letters. Under law the credit bureau has to correct and inaccurate information. The company have not yet verified my information but it's still on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/scrub>XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : o The " Monthly Payment '' is reported as " {$4700.00} '' by XXXX and Experian but is listed as " {$4700.00} '' by XXXX, leading XXXX discrepancies in financial obligations. 
o The " Number of Months ( terms ) '' is listed as " XXXX '' by XXXX and Experian, but XXXX inaccurately lists this as " XXXX. '' o The " Date Last Active '' is reported as " XX/XX/year> '' by XXXX but " XX/XX/year> '' by Experian, while XXXX does not provide this date. 
o The " XXXX XXXX XXXX '' shows inconsistent delinquencies. For example, Experian and XXXX report delinquencies of " 120 days late '' in XXXX and XX/XX/year>, while XXXX does not report these delinquencies for the same period. 
o Comments are inconsistent across bureaus. Experian includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' while XXXX includes " XXXX XXXX Mortgage FHA mortgage. '' XXXX provides no comments at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in XXXX By law a chapter XXXX bankruptcy can stay on your report only 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still XXXX XXXX XXXX accounts on my credit report with XXXX  and Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the XXXX of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am attaching an FTC report containing 5 fraudulent bank accounts! I am submitting this under the FCRA 605B code to have these items blocked removed from my credit file with the 4 day block removal.
Product: Debt collection

I am filing a complaint against Credit Acceptance Corporation ( CAC ) for predatory lending and inaccurate credit reporting. For the XXXX XXXX, I made a {$1000.00} down payment, and the vehicle was repossessed in XXXX. For the XXXX XXXX, I made a {$1200.00} down payment, surrendered it on XX/XX/XXXX, due to COVID-19 hardship, and CAC sold both vehicles at auction but failed to apply proceeds correctly. CAC inflated balances, included unauthorized add-ons like GAP insurance, and misused security interest clauses. These practices align with the CFPB lawsuit ( XXXX XXXX. XXXX ). I request the CFPB remove inaccurate entries, cancel balances, and ensure refunds for overcharges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) you are required to remove/block any items which wereopened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumerthat the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX  Balance : {$4000.00}.
Product: Debt collection

Portfolio Recovery from XXXX, XXXX, XXXX, XXXX. 
Have relieved 4 calls today on XX/XX/2018 alone to work #. It states XXXX XXXX and until yesterday, it had my full name on it. My company can not block them as they spam call from all different # 's. I have been called without picking up 13 times in just the last 8 days. They call from all sorts of spam # 's. I do not ant to answer the call as # 1. I am at work and work on the phone all day. # 2-the debt is past it's statue of limitations and if I answer I will restart the statute from what I understand. I am going to lose my job if IT gets too many more of these calls and it is not worth them harassing me like they have previously telling me to make lunches and sell them to pay my debt to answer to tell them not to call me at work because like I said then I am validating the debt! I don't know what to do. They also robocall my cell # and I have recordings as I started using XXXX to block them on my cell phone as that is illegal but they do it anyways. Please help.
Product: Credit reporting or other personal consumer reports

Hello, My XXXX  XXXX credit was was stolen from me, and when my card was stolen they used my XXXX  XXXX card for purchases which got approved. Due to those fraudulent purchases my XXXX XXXX card went 30 days late. I right away called XXXX  XXXX when I noticed these and disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and transunion. Which they did remove. I have attached my XX/XX/XXXX credit report which you will see XXXX  XXXX removed the 30 day late they reported in XX/XX/XXXX and is showing the account as current for that month. After 3 months passed XXXX  XXXX reported the 30 day late back which I was in complete shock because that issue was resolved. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and Transunion reports because it is inaccurate and was due to fraud charges, and it is affecting my life. Below I have also attached my XX/XX/XXXX credit report which you will see the late is back and reporting on my credit. Please help me resolve this issue like it was originally. Thank you
Product: Debt collection

XX/XX/year> Dear MIDLAND CREDIT MANAGEMENT, This letter is in reference to XXXX XXXX account ending in XXXX I am giving the permission to offset the balance owed in the amount of {$830.00} of the debt balance from my IRS department of treasury tax refund you can offset the balance owed so that the debt will be paid in full and so that this account will be removed off of my credit report as soon as possible thank you and have a great day. 



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

I am writing to formally dispute the reporting of this account, which was closed on XX/XX/XXXX, and is currently reflected on my credit report. The details of the account in question are as follows : Account Type : Credit Card Opened Date : XX/XX/XXXX Reported Balance : {$10000.00} Credit Limit : {$8700.00} Account Status : Closed Last Reported : XX/XX/XXXX Upon reviewing my credit report, I noticed that it indicates I am using 117 % of my account 's limit, which I believe is inaccurate given the account was closed and should no longer reflect an outstanding balance. My payment history shows no late payments ( XXXX ), and the remarks indicate a charge-off as bad debt. However, this may not accurately represent the current status of the account since it has been closed. Furthermore, I would like to clarify that the last payment was made on XX/XX/XXXX, and there is no minimum monthly payment currently due. As such, I believe this entry may be misleading and does not accurately represent my credit worthiness. I kindly request that you review this account and provide clarification regarding the reported balance and its current status. If this information can not be verified, I ask that you promptly correct my credit report accordingly.
Product: Credit reporting or other personal consumer reports

This account for Texas Attorney General Office is reporting inaccurate information on my credit files. The balance amount and last payment dates are not the same on all three credit reports. I have disputed this account with XXXX, XXXX, and TransUnion, not satisfied with the results. Please check for inaccuracies, Ive attached three reports that show the inaccuracies for this account.

According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.
Product: Vehicle loan or lease

I purchased a boat from XXXX located in XXXX, NC in XX/XX/2020. I financed it through BB & T which was later renamed or bought out by Truist. The loan number is XXXX. The loan has been paid off but I have not received the title. I contacted the bank and they are giving me the run around about contacting different division. So, in all, I have completed my financial obligations with them yet they have not provided me with proof of ownership for the boat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Notified Experian about the following inquires and asked for a deletion. 
They are not mine and company refused. 

XXXX XX/XX/18 Inquiry XXXX XXXX, XXXX. XX/XX/18 Inquiry XXXX XX/XX/18 Inquiry
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I called Chime bank and contacted customer support to inquire about how and when are account reconsidered for their spot me feature. As they are insinuating online {$200.00} are provided to new customers and being that my account opened in XXXX there should be no issues. However they have chosen ti provide me the absolute lowest you can provide a person. Less then one percent allowed from total monthly deposit is a bit offensive. Please see attached!
Product: Debt collection

a few years back my information was taken and used. I found out at the end of 2018 and reported and had many of the issues fixed but the few that refused to report properly to XXXX. XXXX and XXXX fixed them almost instantly. The issues im having is with XXXX Bank of america/ XXXX XXXX XXXX . I have already summited FTC reports to XXXX  to fix the issues but they do not. I have sent letters to all the banks above with documents of the accounts not being mine and I have received no proof or reply. I am asking them to simply remove the accounts from my report or send signed documents that show I have opened these account. ( which there is non since i never opened them ) XXXX XXXX XXXX ( account number XXXX ) Bank of America ( account number XXXX or xxxx ) XXXX XXXX XXXX  ( account number XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On my WellsFargo Bank Credit Account there was a Promotion that recently came to an Expiration on XX/XX/XXXX. I paid everything down to a last statement balance of {$450.00} prior to my promotion Expiring ; yet, couldnt fulfill the contractual obligation because I was in the hospital seeking treatment for my terminal related illness. On XX/XX/XXXX I called in to the WellsFargo Bank Customer Service Center and Spoke to a Manager hoping that they would recoginze my due diligency with making payments on time and sympathize with me regarding my illness. I asked if it was possible to pay off the last statement balance of {$450.00} that was owed in order to Avoid the DI Charge in the amount of {$250.00} but to my dismay The WellsFargo Account Manager stated there was no help that could be offered, even if I was in the Hospital during the time the Promotion Expired which prevented me from paying it off by the Promotional Exp Date. Later, on XX/XX/XXXX decided to call in once more in order to ensure there was no financial relief that could be offered and again a different Account Manager stated there was nothing that could be negotiated to pay off the Principal in order to avoid the Deffered Interest Charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, XXXX  and Experian.
Product: Checking or savings account

I have a simple savings account with Capitol One, and have had it for over 20 years. Just savings. I transfer money every month from my main credit union into this account. It is an emergency savings account. 

I can not access the account now until I tell Capitol One what my salary is and if I am employed. ( I am gainfully employed full-time. ) It is an overreach for them to ask this information from a customer that only has a savings account! I do not have any loans or credit cards or checking account with Capitol One. This is an overreach. 

I can not get into my account now! I need to transfer this money to pay some bills. 
This is an outrage. I will probably have to close this account and just stop dealing with Capitol One, but how can a bank demand to know my personal income when I have not asked them to loan me any money? It's wrong and an overreach.
Product: Debt collection

Debt Collector reported negative items to my credit files. As they should be under the Charity program of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable account RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Failure to Comply or delete these items. 

15 U.S. Code 1681n - 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} ; Please Remove this on my Credit Report
Product: Payday loan, title loan, or personal loan

XXXX XXXX 2017 Amount : {$800.00} Received an offer via mail from Big Picture Loans for an {$800.00} loan. When I applied online, I immediately received a phone call from an agent representing Big Picture Loans. This agent had me on the phone before the loan application was complete, and persistently instructed me to hit complete for the loan while not disclosing the loan terms. This agent, nor the application process or acceptance process, failed to inform me that the APR was 664.6513 %, nor did the agent inform me of bi-weekly repayment for the loan. It was n't until after the loan was completed that I had access to the " Truth in Lending '' form from this company. Due to all of these factors, I feel I was falsely given information in selecting this loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am exercising my right to challenge questionable information that I have found on my consumer report. EQUIFAX IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRIES ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EQUIFAX BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED. 

Delete : XXXX ) XXXX XX/XX/XXXX, XXXX ) XXXX XXXX  XX/XX/XXXX