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

HELLO, I AM NOT DOING WELL. I AM VERY XXXX  OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. XXXX  says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) 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.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b I
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian must contend that it violated the Fair Credit Reporting Act at least. Experian refuses still to place the complete unchanged personal statement that I requested several time. Experian by placing a statement that I didnt consent to is committing a falsification, retaliatory adverse action against My record it administers or stores and Experian must be adhere to the law and comply immediately or if not The regulators must intervene immediately in this case. 

Experians desired Statement to be placed on my credit report is as follow word by word as it represents Experian only not the complainant at all : MY WIRELESS PROVIDER STILL HAS MY SAME UNCHANGED AUTO- PAY TO DEBIT FOR ANYTHING EDIT LEGITIMATELY CHARGED. THEY CUTOFF ALL SRVCS, REFRAINED TO GET PAID. The attached file shows the Experians Desired statement and is from the credit report Experian falsified and is forcing me to use it and dont speak up again about Experians Violations and threat to the public .Experian will pay huge legal consequences for its retaliation against me. 



The above statement as long as Experian keeps it, it continues falsifying my credit report and it continues using my information improperly in violation of the FCRA and my rights asserted by the Privacy Act and/or my state applicable law.

All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to any change or correction by him only at any time without any notice and without waiving his rights. 


Experian is a fraudulent consumer agency working against the nation and it must be censored and a new one to replace it.
Product: Credit card or prepaid card

I requested a credit line increase on my business credit card account ending in XXXX with Capital One on XX/XX/2023. I received a denial letter on XX/XX/2023. The only reason given in the denial letter was : A credit increase on your account is not currently available upon request. 

This reason Capital One provided in not a reason. All that it tells me is that capital one denied my increase but it does not tell me why. A reason is something that explains why. I called Capital One 3 times on XX/XX/2023 to get the reason and I was told by 3 different representative, 2 of them being senior supervisors, that they had no access to the denial letter and could not read it. I told each representative the reason Capital One gave me and they all agreed that I was not provided an actual reason for denial. Although the Capital One representatives agreed that i was not given a reason, each representative said there was nothing they could do about it. I explained thoroughly to each representative that it is required by law to provide a reason for denial and although they agreed that that is true, the only thing the Capital One representatives said I could do about this is handwrite a letter to Capital One 's feedback department. 

I have been banking with Capital One for about one year. I have never missed a payment. My credit score is good. I pay the credit card balance in full every month. I have good credit history. I only have 2 credit cards. Considering how much i spend on this Credit Card, it is clear that I need a higher limit. Also my income has increased significantly over the past year. All of this information was provided to Capital One and they still denied my request for credit increase. I see no reason why Capital One would deny the increase and I was not provided with a reason for why they denied it.
Product: Credit reporting or other personal consumer reports

Under the FCRA, inaccurate or unverified accounts must be removed. The furnisher failed to provide proper verification.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against IQ DATA INTERNATIONAL INC for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. Despite my repeated attempts to rectify this issue with IQ DATA INTERNATIONAL INC, they have failed to amend the misinformation on my credit profiles. 

I have provided IQ DATA INTERNATIONAL INC with substantial evidence refuting the existence of any outstanding balance. I have not received any Form 1099-C reflecting the alleged charge off, nor have I received any concrete evidence from IQ DATA INTERNATIONAL INC or the original creditor demonstrating the validity of the purported debt. Furthermore, IQ DATA INTERNATIONAL INC never provided any documentation bearing my signature acknowledging the debt as mine or confirming my agreement to pay such a balance. 

Moreover, I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties is now considered certificates of indebtedness, constituting income that can not be reported. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against IQ DATA INTERNATIONAL INC. Additionally, I urge you to ensure that my credit profiles with XXXX , XXXX and any and all other reporting agencies are corrected expeditiously to reflect the complete removal of this item in compliance with the FCRA and IRS regulations. IQ DATA INTERNATIONAL INC failure to comply with these legal obligations may result in further action to protect my rights under federal law.
Product: Mortgage

CFPB, This complaint is about Private Mortgage Insurance removal. In XX/XX/2020, I request Caliber Homes Loans to start the process to remove my PMI based on home value, Caliber indicated that I need an appraisal to know my home value. The appraisal was complete and deliver to Caliber on XX/XX/2020. In XXXX I was advised that I was given the wrong information by the teller and that I need to submit a BPO. The BPO has been completed and deliver. Both the BPO and appraisal show that my home value has going up and that I am eligible for PMI removal, however, Caliber has not made a decision on the matter. I feel that because of the months with the PMI and payments of appraisal and BPO I have lost thousands of dollars due to Caliber irresponsibility. Please contact me for more details. Thanks
Product: Payday loan

When i took loan out i wasnt told the interest rate just that it was like XXXX interest fee that i agreed to and now they keep calling saying they are going to sue me and be home at this time so they can serve me legal documents to sign this is from castle payday loans online in ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX  XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX  XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Product: Mortgage

BBVA Compass bank incorrectly reassessed my escrow account basing my estimated taxes on the previous year ( which was a partial year of taxes since I had just moved into the home ). They did this same thing with my brother who has a mortgage with BBVA Compass. When this happened to my brother I went into my local branch and specifically asked them if my escrow account would be funded correctly. They reassured me that my escrow account was accurate for my taxes and insurance payment. A year later now and I received a statement showing a deficit in my escrow account and stating that my mortgage payment would increase by about {$400.00} a month. I explained to them this is unacceptable and that I do n't have an extra {$400.00} a month laying around. They basically stated that their was nothing they could do even though they were at fault for not calculating the correct amount of estimated taxes by looking at the published tax rates for the county/city.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE LISTED ACCOUNTS HAS VIOLATED EACH OF MY RIGHTS. 

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 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 CONSENT 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 AN OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SVEN YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls.
Product: Money transfer, virtual currency, or money service

I took out 4 collateralized loans with Celsius and now that they are going through the XXXX XXXXXXXX process, I don't have access to funds in my account to pay for said loans to release my collateral, because they have frozen all assets. 

While I understand that at sometime businesses may have to go through a restructuring, I find it disturbing that a company locking up users assets are now asking that customers with loans coming to maturity should pay them by wiring money directly to them and customers are not allowed to pay these loans with assets in those same accounts. 

I have also asked with no response on the status of the collateral if I were to payoff said loan. 

This company has been mismanaged and now with the filing of XXXX  XXXX, it is coming to light that they had potentially fraudulently misled many customers into losing their lives savings to the point of billions.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a collection account XXXX XXXX XXXX Account # XXXX that is not accurate. This so called debt has been canceled per the IRS and this is now considered income and can not be reported. I have also not validated this debt as belonging to me and have received no evidence from TransUnion that they have validated this debt with proper document or verification from a human.
Product: Debt collection

Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. 
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contact is signed by two parties and I did not participate in any of it. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. I attempted to contact the below creditor ( s ) listed below and received NO response to my request. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.

Here is the account name and number for reference and incorrect amount also : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting any lates on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The late payments reporting had been deferred via the CARES Act. I had arrangements with XXXX XXXX  and I was assured by the representative that no lates would report. Unfortunately, the mortgage company did not honor our agreement. Also, the bureaus are not correctly reporting this account as in dispute. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of the lates on the account. I have never received any communication from the bureaus to show that my request was acknowledged. My most recent credit report shows this account as not in dispute, when in fact, the account is in dispute. This language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

to whom it may concern I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and removed from my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Please remove any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under 15 U.S.C. Section 1681i ( a ) that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

For numerous times I ask EQUIFAX CREDIT BUREAU to remove the FRAUD ALERT from my report and they totally refused. The fact that its still on there is hurting my chances of getting a loan or credit. please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX, Equifax and XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Debt collection

The company called ERC - Enhanced Resource Center - calls me several times a week asking for someone named XXXX XXXX. I don't know who that is. Maybe he had my phone number before I got it last XXXX of 2019. I keep explaining to them that I am not XXXX XXXX and that I don't know anyone by that name, but they keep calling me. They have even given me XXXX XXXX XXXX  account info - reference number XXXX - which seems really messed up as I am not XXXX XXXX. I have asked them each time they have called to please take me off of their list, and I have reported this company to the FTC as I am on the Do Not Call registry and to the XXXX  as I don't think companies should be allowed to treat random innocent people like this. The harassing calls keep coming and there seems to be no way for me to get them to stop. I am not XXXX XXXX. I don't owe a dime of debt to anyone ( never have in my life ). I don't know why I am being harassed by these people. I just want them to please stop.
Product: Checking or savings account

This past XXXX my personal information was compromised which jeopardized my accounts with Capital One. As a result, Capital One closed my initial accounts due to security concerns, and my money was then transferred to newly opened accounts. However, these new accounts were immediately compromised, and there was a transfer of {$840.00} on XX/XX/XXXX from my account to an account from XXXX XXXX XXXX XXXX. There was an additional pending transaction of roughly {$1500.00} which I was able to cancel before it went through. 

I was shocked to see that my new accounts were immediately compromised, especially given the new accounts were opened due to security concerns on my old accounts. I have documentation ( which I have submitted to Capital One ) of this money being taken out of my account and transferred to another. 

In the documentation, there is a phone number ( XXXX ) which is not mine, and an external account linked to my account from XXXX Bank and XXXX ( ending in XXXX ) which is not mine. I have been banking with Capital One for many years, and I have never had an external account, and I have never had a phone number starting with XXXX. I have always had the same phone number, and have never done a transaction like this. As soon as I saw this, I locked my accounts, called Capital One, and reported it as fraud. 

I did not receive notification in any form for this transaction, especially considering the circumstances. I have never transferred money to an externally linked account before. Since this happened, I have spent many hours on the phone with Capital One establishing that this was fraud, and how to best move forward. 

Capital One has dismissed my fraud claim for this transaction, since they deemed that the transaction was authorized. However, it is abundantly clear that this authorization wasn't from me and was from someone else who had access to my personal information. I have called several times and emailed to submit a rebuttal to this dismissed claim. Again, the context shows that this transaction is fraud based on the unfamiliar bank account, unfamiliar phone number, the security concerns about my account, and the hours I have spent trying to resolve this situation. 

Furthermore, this is a significant amount of money which seriously impacts my financial situation. I have spoken to many Capital One representatives about this situation, which is well documented.