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

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

My family and friends were receiving back to back calls and voicemails over the course of 20 minutes from a person saying they were from the Information Research Department asking for my address to send me a certified notice. I called the number back and was yelled at by a staff member of a company claiming to be XXXX XXXX XXXX. He forwarded me to his manager who said I owed a debt of {$510.00} to Huntington Debt Holdings LLC and that they were collecting on their behalf. I told him I never received a notice. He said it was sent to an old address of mine but he wouldnt provide me with a copy of the notice that Huntington allegedly sent. He would only provide a copy of a demand from XXXX which does not specify I have a right to dispute. I have called Huntington many times, left voicemails, and emailed. I can not get through to a person to request verification of debt. 

XXXX is threatening to send this debt to collections if I do not set up a payment plan with them by XXXX today. But I dont feel comfortable giving out my account information without verifying the debt. All I am looking for is verification of debt from the actual holder of the debt, Huntington Debt Holdings LLC.
Product: Checking or savings account

This complaint is regarding an issue with a set of transactions I had while banking with Wells Fargo. To preface this, I have been banking with Wells Fargo since XXXX however this is the last straw and I will be taking my business elsewhere. I filed a claim with Wells Fargo regarding a set of three XXXX transactions for merchandise in XX/XX/XXXX. There were 3 total charges with a grand total of {$990.00}. The issue with these transactions were that the merchandise I paid for, in this case shoes, were not received as described as they were fake and essentially had no value. This was in direct contrast to what the merchant advertised as they were clearly stated to be authentic. After making all of this information clear, providing proof, and filing the claim, Wells Fargo still would not side with me on this dispute for any reason. Fast forward to now and Wells Fargo has broken their own rules by very sneakily refunded certain Wells Fargo customers for so called " fraudulent transactions '' even though their policies clearly state that XXXX transactions can not be reversed or undone for any reason, which is exactly what they told me regarding these XXXXl transactions however they have made exceptions for other customers for claims worth way more than mine which was less than {$1000.00}. It is ridiculous to me that Wells Fargo would rather lose my business after 11 years than simply do the proper research and cover me for this situation but I will gladly take my money elsewhere now. If anyone has the opportunity to read this, please do yourself a huge favor and bank with literally anyone besides Wells Fargo.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. 
Please delete these items listed below IMMEDIATELY! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 2nd 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 an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  XXXX XXXX -, XXXX XXXX  XXXX Balance XXXX -, XXXX XXXX  XXXX XXXX -, XXXX XXXX  XXXX Balance XXXX -, XXXX XXXX  XXXX XXXX -, XXXX XXXX  XXXX Balance XXXX -, XXXX XXXX  XXXX XXXX -, XXXX XXXX  XXXX Balance XXXX -, XXXX XXXX  XXXX XXXX -, XXXX XXXX XXXX XXXX XXXX : -, XXXX  XXXX XXXX : -, XXXX XXXX XXXX  XXXX : {$0.00}, XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$1300.00}, XXXX XXXX XXXX Balance XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX Balance : {$600.00}, XXXX XXXX Original creditor XXXX XXXX. XXXX Balance : {$220.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX : {$580.00}, XXXX  Inquired XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired onMar XXXX, XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

While I have originally reached out to Portfolio Recovery Associates, LLC., ( referred as PRA herein ) to resolve this complaint and issue, PRA has not responded to a notarized Affidavit of Truth, nor have they remedied the issue. 

On XX/XX/XXXX, I submitted a CFPB report where I have complied my cease and desist, debt validation, including the exhibits of violations, an affidavit of truth, and my desired remedies for this situation. Portfolio Recovery Assoc. is in violation of several codes of the FDCPA, FCRA, and TILA. 

On XX/XX/XXXX, PRA responded to my complaint- rendering the complaint closed. However, I was not notified through the mail nor received adequate response to the aforementioned documents. 

As this is a fraudulent transaction- I did not consent to conduct business with PRA or XXXX XXXX, nor did I consent to XXXX  XXXX transferring my alleged personal information to PRA. I am requesting action to receive the remedies listed in my Cease and Desist to PRA. 


Below you will find the original complaint : " On XX/XX/XXXX, Portfolio Recovery Associates, LLC., sent me a notice of an alleged collection account from XXXX XXXXXXXX Bank in the amount of {$470.00}, by mail. This is a fraudulent account. I responded on XX/XX/XXXX, to Portfolio Recovery Associates, LLC., by certified mail, with a debt validation letter- disputing the validity of this account, and a cease and desist with specified remedies- outlining the 30 days period to respond as required by law. On XX/XX/XXXX, Portfolio Recovery Associates, LLC., responded to me through the mail that an alleged account was sold to them, in my name, on XX/XX/XXXX. The response failed to address my demand for documentation proving this alleged account is mine and failed to honor my cease and desist. This account presents defamation of character and derogatory remarks on my consumer credit reports and hinders me from operating freely as a consumer, in commerce. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax leak of sensitive, personal financial information. 

Confirmed by using https : //www.equifaxsecurity2017.comXXXX on X/X/2017.
Product: Money transfer, virtual currency, or money service

I am begging me, do the right thing and give me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), a personal loan account opened at XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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  XXXX XXXX ) as proof from the US Federal Trade Commission that all of 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

I am writing to request the immediate removal of an account that has been incorrectly reported on my credit history. This is the third time I am compelled to contact Transunion to resolve this matter, which I find unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) .The account in question, reported by Transunion , contains incorrect information that negatively impacts my credit score. Below are the discrepancies identified : 1 ; Inaccuracy of Information : The account reports an outstanding balance that does not reflect reality. 
2 ; Lack of Authorization for Publication : I have never explicitly authorized Transunion to publish this account on my credit report. This action is not only inappropriate but also illegal under FCRA regulations. 
3 ; Continued Damage : The incorrect information has resulted in credit denials and has severely affected my financial situation. Despite previous attempts to correct it, the erroneous information remains on my report XXXX XXXX : XXXX : XXXX
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 dXXXX XXXX, which falls undeXXXX XXXX according to XXXXDebt 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 information requested from the list of acceptable items 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, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXX, Experian, and XXXX have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B
Product: Money transfer, virtual currency, or money service

Coinbase base stole XXXX dollars from my account with out my authorization and when I contact them every day for two months they send me XXXX dollars saying they are sorry.
Product: Money transfer, virtual currency, or money service

Attempted to purchase an item online on XX/XX/2023 Total of sale was agreed upon, {$550.00} Request from the seller to use XXXX or XXXX, I opted for XXXX Made the payment and called to release the money on XX/XX/2023 On XX/XX/2023 was notified of additional {$800.00} shipping insurance, which I declined and realized I was getting scammed Called XXXX immediately to cancel payment because MY Truist account showed the payment as pending and the woman that I spoke to at XXXX told me that it was pending in my account as well as who I sent it to, but that I would have to wait until Monday XX/XX/2023 The payment was still showing as pending on Monday. Called Truist and was told I had to wait until the payment cleared, which I did. 
Called Truist on Tuesday and was told that unfortunately the payment was made and that I needed to file a scam report with them, which I did on Tuesday XX/XX/2023. 
Received an email from Truist on Wednesday that I was denied any monetary compensation because I approved the release. 
While I understand my foolishness and take full responsibility, I am very disappointed that I took the steps immediately to cancel this payment and got no help from XXXX or Truist. Please communicate to banks to insure people, most importantly seniors ( of which I am ) that these transfers are final so that others do not get trapped like I did. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

On XX/XX/2021 I redeemed points and received two ( 2 ) rewards cards from my credit card rewards program. Upon several attempts at trying to use them at different stores I contacted Elan Card Services and informed them of the issue, to which I was informed that the cards can only be redeemed for XXXX products and services. I explained that in the description it only says physical cash card and does not clearly state that it can only be used for XXXX products. I no longer have a use for XXXX products or accessories. The redemption center engaged in a deceptive and fraudulent practices as it lead me to believe that the card could be redeemed for all merchandise. They sent me a letter saying that all redemptions are final and the I am stuck with {$200.00} in rewards cards which I can not use. Any assistance with this issue would be greatly appreciated and the language should reflect that the cards are for XXXX products only. I was not asking for money or points back just to trade for cards that can be used at any merchant or the equivalent gift cards for other merchants.
Product: Credit reporting

There is XXXX public record from the collection agency that I have no knowledge about it. They are inaccurate on my credit report which affect a lot on the credit score since XXXX 2015.
Product: Checking or savings account

I received a call from XXXX ( XXXX ) XXXX stating they were my bank ( JP Morgan Chase ) and that I had fraudulent activity on my card and that I needed to transfer money from my checking account ( {$2000.00} ) through XXXX to myself. I hung up and called chase and they said they would never ask for me to transfer money like that.
Product: Checking or savings account

I had funds in my account but after checking my account, my account was in the negatives, i asked why wasnt my deposit or anything posted in my account, i was transferred to manger. XXXX told me there was nothing they could do thats just how navy federal runs its business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my LexisNexis consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. I did not give any written consent to LexisNexis to publish these. I believe thats a violation of my consumer privacy. I sent LexisNexis a certified letter on XXXX2021 asking them to remove the bank bankruptcies. I sent a certified affidavit on XXXX2021 showing LexisNexis all the consumer rights that they have violated since I am a consumer. 

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unrecognized inquiries that I did not initiate on my credit report. When I contacted and informed the Credit Bureaus they refused to remove them.
Product: Checking or savings account

Their security team couldn't contact the remitter so they just immediately decided to disallow the deposit. They're making me resubmit the deposit and get my remitter to contact their security team.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX - Charge off XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX  XXXX Balance XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX XXXX BANK XXXX Date opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Late/closed XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD XX/XX/XXXX
Product: Credit card

Unauthorized Inquiry on my credit report USAA SAVINGS BANK Inquired on XX/XX/2022