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 XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : 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 XXXXXX/XX/XXXX XXXX XX/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 reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX 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/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately.

This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX  ( XXXX ) This account is open! It has never been closed! The balance is XXXX The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX XXXX XXXX  is on-time good
Product: Debt collection

I moved to the XXXX apartments XX/XX/XXXX my lease ended XX/XX/XXXX! Never missed a payment. I decided to renew my lease they stuck a packet in my door to fill and submit back XX/XX/XXXX I submitted back the forms and took a picture of me handed the packet back because I know things are half done around there. So management failed to contact me Ill walk everyday to see if anyone in or call in and theyll tell me that theyll try to get in contact with him so he just went ahead and moved out in XXXX and turned in the keys to whoever was on duty XX/XX/XXXX my neighbor stated that they found a 5 day to vacate to move in XXXX mind you I already moved out ; so I had to show up for eviction court and I go charge for months I didnt occupy the unit! I wrote and sent certified letters to validate debt, and the last letter they signed for XX/XX/XXXX with the proof of documentation where I wasnt charged for XXXX and where the storage and uhaul was purchase so no one havent gotten back with me yet! And they sending emails thats ending up in my span than send out letters like they instructed too!
Product: Credit reporting or other personal consumer reports

Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. The inaccuracies pertain to the payment history for an account listed under XXXX XXXX . According to the report, the account was opened in XXXX of XXXX ; however, the payment history does not reflect this, and there are additional discrepancies regarding other details of the account. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumer 's file. 
FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain maximum possible accuracy in consumer credit files. 
Please review and address the following inaccuracies : Account Opening Date : The account was opened in XXXX, XXXX but this is not reflected in the payment history. 
Date of Last Payment : The reported date of the last payment is incorrect. 
Last Payment Made : The payment amount recorded for the last payment is inaccurate. 
Last Payment Amount Received : The last payment amount received is incorrect and does not align with my account records. 
Date of Charge-Off : The charge-off date listed is incorrect and does not align with the account records. 
Amount Paid : The amount paid on the account is not accurately reported. 
Amount Past Due : The past-due amount is inaccurate. 
Account Rating : The rating assigned to this account is incorrect and requires correction. 
I have enclosed supporting documentation, including account statements, correspondence with the creditor, and other relevant evidence, to validate my claims. As mandated under the FCRA, you are obligated to investigate and correct any errors on my report within 30 days. 
Please conduct an investigation and provide me with an updated copy of my credit report reflecting the corrections. If additional information is needed, feel free to contact me via the information provided above. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been resolved. 
Sincerely, XXXX XXXX
Product: Debt collection

Received notification from Cavalry on XX/XX/19 in reference to an alleged balance owed to XXXX for {$1900.00}
Product: Checking or savings account

I deposited a check worth {$1500.00} from XXXX of XXXX to my savings account, at Bank of America. My account history shows the deposit was posted BofA then adjusted the deposit and removed the entire amount from my account, WITHOUT ANY NOTIFICATION OR EXPLANATION. 
I called BofA to find out why this was done, and was told that it was never deposited. Complete lies on their part This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This XXXX  claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Mortgage

We need to get our account corrected by this mortgage company and for you all to find out what you did with the mortgage payment you all took from us but you all are saying we are behind which we are not behind and we need all the late charges credited back to us and if you sent to correction we need you all to correct your mistakes. We have been trying to get this corrected now for months and your company refuses to fix it. We have paid on time for XXXX, paid XXXX, and paid XXXX. They all took XXXX from us and never applied it to our account. We need all late charges payments credited back to us. That is not our fault but your companies fault and we have been told many times that this will be resolved but still nothing have been done to this day ( since XX/XX/XXXX ). If this doesn't get resolved in 1 week. We are completely not statified with this company. The fact that we have sent them proof and 3 months later still nothing. And your company refuses to respond to emails and phone calls. Instead they have taken money from us, put it somewhere and they want us to pay more than we should. We feel like this company is a fraud. We have a VA loan with them, which we will be contacting the VA for assistance in regards to this issue. We have called and emailed more than 50 times with no responses back from this company. Not ethical business practices with a retired XXXX. We have sent all bank statements showing payments were taken : XXXX : paid on XX/XX/XXXX XXXX : paid on XX/XX/XXXX in the amount of XXXX ( to cover both months because you all lost our XXXX check we mailed to you on XX/XX/XXXX so I just ended up paying both on XX/XX/XXXX XXXX '' Paid in full on XX/XX/XXXX in amount if XXXX XXXX : paid XX/XX/XXXX XXXX XXXX : paid XX/XX/XXXX XXXX Attached is all bank statements and we have all emails that we contacted them. Contacted then via phone on several occasions and customer service refuses to help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, Im filling a complaint with CFPB regarding Capital One failure to deposit my direct deposit from my employer, XXXX XXXX for the amount of {$510000.00}, Capital One has cited technical issues, which violates the Electronic Funds Transfer Act. ( EFTA ) as it requires timely access to funds, this situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, its being over 48 hours that I was entitled to receive and access MY HARD EARNED money, thanks for your attention
Product: Credit card or prepaid card

someone opened a fraud credit account with genesisfs in my name. there address XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX they told me to report it to you.
Product: Credit reporting or other personal consumer reports

There are two unknown hard inquires from XX/XX/2024 2024
Product: Debt collection

I had a credit card opened in XX/XX/XXXX with XXXX, NA after I was married to my husband in XX/XX/XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XX/XX/XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a XXXX mortgage in XX/XX/XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on XXXX since XX/XX/XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XX/XX/XXXX, that 's XXXX years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX inn XX/XX/XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XX/XX/XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement XXXX months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to XXXX in XX/XX/XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX ) should have been able to protect my money with my Divorce Decree on File as well as my XXXX Check. They should have marked my account as XXXX!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate my reports there are accounts that were never mine reporting and information I am not legally responsible for all they say is info was validated no other information nothing with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or 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 XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I received a 1099c to pay taxes from Chase credit card in XXXX after I have been trying to resolve a fraud case against my credit card since XXXX. My accountant has requested I request the FTC and CFPB look into this case further as he believes this case should have been documented as a fraud case back in XXXX and it never was by Chase. 

Chase has never acknowledged receiving or assisting in my requests and case. I have attached proof of the fraud and hacker who stole {$30000.00} from not only my Chase credit card, but also another card and my checking account back in XXXX after applying for a scam loan company called XXXX  or by XXXX XXXX. I submitted documentation via fax 2 different times in XXXX, with no resolve. This past year again, I've been trying to resolve this case including trying to pay off the account from a delinquent account and settlement offer by Chase in XXXX. Even after paying an agreed portion of the account, Chase still has never acknowledged the fraud or has closed my account. It is expected I will have to pay over {$10000.00} in taxes because this was not resolved properly by Chase. Please find all attached documentation and call me with any further question. Please help me as I can not afford to pay {$10000.00} in taxes this year. I was asked to file in XXXX with the attempt to resolve this with Chase. Chase has not responded to my requests this year by phone, email or any communication.
Product: Credit reporting or other personal consumer reports

Their is stuff on my credit thats not mine also jobs someone else has used my information for employment and credit was told if someone can give me a letter the social security will reissue the money I have paid to them I really need my credit because I am a XXXX  and who knows I may need a loan and cant get one nor apply for credit that someone else have abused
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax XXXX XXXX XXXX product was provided to me at no charge on XX/XX/XXXX following a cybersecurity breach at XXXX XXXX. ( See attachment. ) On XX/XX/XXXX I received an email Equifax solicitation to continue and enhance my membership in this product. ( See attachment. ) This solicitation was less than forthcoming, if not deceptive and fraudulent. It did not say that I was already set up for automatic annual renewal unless I opted out before the subscription year expired. Nowhere did this notice say anything about a charge for this service, that Equifax intended to update my product ( i.e. convert the service from a free to a paid subscription ), even though the previous year had been at complimentary. That should have been made clear. In fact, it explicitly stated, Please note there is no immediate action required for your product update and there is no cost associated with these changes. 

Nevertheless, I suspected there might be a charge for this update, so I went to the Equifax website. The information I needed was obscured. I had to scour through the Equifax website hunting for something that would tell me whether I would now be committed to a paid subscription or not. I finally discovered that the Equifax XXXX XXXX XXXX with XXXX product would cost XXXX  per month and that I would be committed for a year unless I declined the product by XX/XX/XXXX. Should I not decline the product by this date, I would be required to notify them in writing ( i.e. through the XXXX XXXX to cancel the subscription. ( Why not via email, as email was used to enroll me? ) On XX/XX/XXXX I called the Equifax XXXX XXXX XXXX at XXXX to see if I could cancel the product over the phone. I could and I did, without any trouble. I was assured I would not be charged anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX