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

In accordance with the fair credit Reporting act the following XXXX Accounts 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 and purpose. 

XXXX XXXXXXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX : Hard inquiry XXXX XXXXXXXX XXXX XXXX : closed account/late payment XXXX XXXX XXXX XXXX : closed account/late payment XXXX XXXX XXXX : collection It also states 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 602 A section : 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 conviction 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

I have not signed any contract with them on this supposed debt. I have no obligation to this company. I have never done a trade of goods or services with this company. They have no say in this supposed debt. per ( 15 U.S.C. 1692 et seq )
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I have no clue why theyre there. I checked my report like I always do, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. Given this situation, Im urgently requesting that the documents Ive sent be thoroughly reviewed so I can finally have peace of mind.
Product: Checking or savings account

Account : Checking Account Holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX at Chase Branch XXXX XXXX XXXX inXX/XX/XXXX ( check amount : {$370000.00} ). 
Original receipt from bank XXXX rates release date of XXXX of XXXX. Release date was then pushed to the XXXX of XXXX without explanation. 
Request for explanation and advising of economic loss returned no satisfactory or substantive response. 
This is the only capital transaction account for building my current personal house. 
Funds remain withheld by the bank. 
This is a regular transaction of a repetitive pattern in an established banking relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance charged off and reported late payments. and failed to report Disputed in the remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Despite not opting-in for overdraft protection, Chase Bank, NA paid XXXX {$3600.00} when my checking account balance was only {$2400.00}. While I was in the hospital suffering from XXXX Chase Fraud Prevention first attempted to contact me XXXX/XXXX/2016 regarding suspicious activity on my account and also denying every transaction from XXXX/XXXX/2016 until XXXX/XXXX/2016 which included multiple attempts by XXXX XXXX Car from that period. Also, {$3600.00} is an astronomical charge for a XXXX XXXX that was recovered by XXXX XXXX XXXX while I was in the hospital. I entered a rental agreement via XXXX XXXX XXXX on XXXX/XXXX/2016 for {$110.00} not for several thousand. 

My Social Security Number is : XXXX My Bank Routing Number is : XXXX My Bank Account Number is : XXXX
Product: Debt collection

Online Information Services, a debt collection agency, is trying to collect a disputed debt which I have a written letter for same. The original debt was for doctor consult while I was in the hospital getting emergency XXXX. I have on 5 occasions sent the correct billing information and called XXXX XXXXXXXX XXXX XXXX a/k/a XXXX XXXX with the correct insurance information and they have never submitted it to the insurance company, XXXX XXXX XXXX XXXX, Nevada. The debt collection agency refuses to cease collection activity. This is against FDCPA regulations because this is a " disputed '' debt.
Product: Debt collection

I am a victim of identity theft. FREEDOM PLUS aka XXXX XXXX XXXX is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Affadavit Of Fact & Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by FREEDOM PLUS/XXXX XXXX XXXX that rebuts my position. 
While the burden of proof lies with FREEDOM PLUS/XXXX XXXX XXXX I am willing to pay any amount owed plus 75 % interest upon FREEDOM PLUS/XXXX XXXX XXXX presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.
Product: Credit card

About 18 months or maybe a little longer Capital Once Credit Card informed me my account was restricted from further use. I have been in XXXX for last 4 years. I placed some employees on my card as authorized users. They wanted me to send copies of each authorized user 's driver license and social security card. I sent in that information via fax more then one occasion. After going back and forth trying to talk with the person who was authorized named XXXX. Who was the only one that could talk to me about my account and was never available when I called several times. I have asked several times to have my account closed. I have paid off these cards and do not use them. Instead I now have charges from the annual fee they charged me although I am unable to charge anything on these cards ; I find it very convenient they allow only their charges to be placed on the card.
Product: Credit reporting or other personal consumer reports

I am formally submitting a complaint regarding the failure to conduct a proper investigation into my dispute under the Fair Credit Reporting Act ( FCRA ). My dispute concerns the inaccurate information reported on my credit report by ( XXXX XXXX XXXX Account # XXXX ) Nature of the Dispute : On [ XX/XX/year> ], I disputed the accuracy of the information reported by XXXX XXXX XXXX Account # XXXX ) with your agency. Specifically, I contested the following : Inaccurate reporting of the account status Inaccurate payment history Despite my detailed dispute, I received a notification that my dispute was resolved without any changes to my credit report. I believe the investigation conducted by your agency was inadequate and did not comply with the requirements set forth by the FCRA.

Request for Method of Verification : Under Section 611 ( a ) ( 7 ) of the FCRA, I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am formally requesting the method of verification used in your investigation into my dispute regarding the XXXX account . Please provide detailed information on : The sources contacted during your investigation The documentation reviewed The process followed to verify the information Request for Re-Investigation : In addition, I request that you re-investigate this matter promptly. Under Section 611 ( a ) of the FCRA, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from my credit report.

Supporting Information from Original Creditor : I have also disputed this account directly with XXXX , and they have confirmed that the account will be deleted due to inaccuracies in reporting. This further substantiates my claim that the information is incorrect. The original creditors acknowledgment of the inaccuracies indicates a violation of the FCRA, which mandates accurate reporting.

Request for Deletion : In light of the aforementioned inaccuracies and the failure to comply with the FCRA guidelines, I am requesting the immediate deletion of the XXXX XXXX XXXX Account # XXXX ) from my credit report. Continued reporting of this inaccurate information is a violation of the FCRA and the guidelines of the XXXX XXXX XXXX XXXX ( XXXX ). 

Please respond to this complaint in writing within 30 days of receipt, as mandated by the FCRA, with the results of your reinvestigation and the method of verification. If you fail to comply, I will not hesitate to escalate this matter and seek legal remedies.

Thank you for your prompt attention to this matter. I look forward to your swift response and the correction of my credit report.
Product: Debt collection

I had a to go to the ER Early one morning. My VA Doctor told me to go to XXXX XXXX for my issue. because he could not see me, he sent me with a referral from the VA to go. Everything was fine with this issue for about 6 months, and then i got a hit on my credit report from a capio partners for said medical expenses. I have VA and XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX Veteran i get full coverage. I tried to explain this to this company also the VA has called them and sent them letters saying They will pay it. The company is still insisting that i have to pay for these expenses. I have 2 different collection on my credit from this now. This company is horrible to talk to, and will not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX  and that should and would be the only place I would have on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had bad credit my entire life I finally worked on my credit build it all payments on time. Relationship gotten so bad with demostic XXXX and XXXX gotten so weak I move into a hotel and became XXXX and I I uses everything to survivive and I'm still XXXX in the same hotel waiting on help and within that time frame my credit went from XXXX XXXX XXXX in 40 days no one notice or accept anything I had to say it so embarrassing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint with TransUnion. I attempted to check my credit score through a separate site which ultimately led me to the  TransUnion website. On XX/XX/XXXX I entered some basic information to the website in order to obtain my credit score/report. I was under the impression that there was no cost since nowhere did it clearly state that on the pages I was led through. One of the pages included credit card information which seemed weird since nowhere else did it say how much they would charge me or what they were charging me for. When I submitted all the information I was led to my credit score, however later in the day I received an email notification saying that I was charged my first monthly subscription fee of {$19.00}. I was not under the impression that I was paying for any service, or that there were ongoing charges that I would be paying. I logged into my account to cancel the subscription, however when I attempted to contact TransUnion to inquire about what happened there was simply nowhere on the website where I could get in touch with somebody either by phone or email or otherwise. The receipt email confirmation had text that said " click here '' for customer support but there was no link with that text. It seems that the company does not want customers to be able to reach them. I am very angry that they charged me for something that I was not intending to pay for, and they did not communicate that subscription payment in any reasonably clear way at all throughout the sign up process. I request that I receive the {$19.00} back in full as a refund. I will be making sure no one else uses TransUnion for credit needs, especially if they insist on not giving me my refund.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a complaint against Credit Collection Services for them violating my HIPPA rights on XX/XX/2021 I received a response that the account would be closed and there would be no further collection attempts on this account however they instead updated the account with XXXX and XXXX as paid after charge off. This is false information and needs to removed from my credit report before I take further action. I've attached the company 's response from the previous complaint for proof.
Product: Checking or savings account

At Bank of America with them for over 20 years. I was expanding my business so I opened a account changed from a sole prop to LLC on XX/XX/XXXX on the XX/XX/XXXX a XXXX XXXX to a XXXX XXXX for XXXX. I new nothing about the account was unused at that time I receive a overdraft notice so I added more money when I noticed it was coming out I put a stop payment on XX/XX/XXXX though it was stopped it started right back up. I stopped it again and received a stolen money letter from the bank manager. Then the XXXX XXXX  just drained it all. Come to find out it was a wire with I have a special wire account for that. All the while calling the ph number associated with the account dead number I ask them to help with the faxing and helping me get the money back the sent it to the ACH dept not the fraud dept the gave me a number to call I did A senior at B of A said the bank it was wired to XXXX XXXX on easy cost was empty and they we not gon na give it back. All in total  {$3500.00} dollars and the loss of my business this was Fdic secure money and they just let it get stolen i made a police report
Product: Mortgage

On XX/XX/XXXX XXXX XXXX took over my mortgage from XXXX XXXX. I had try to re-modify my loan with XXXX XXXX  and XXXX and both broke there contract with me. On XXXX XXXX I went to court against XXXX and agreed on a deed in lieu foreclosure. I had agreed to XXXX dollars and 90 days to vacate. When XXXX found out in XX/XX/XXXX I was granted sole ownership of the home in a divorce settlement and my former wife 's name was on the note that said she had to sign a quick claim deed, I stated I didn't know where she lived- plus for 1 year starting in XX/XX/XXXX during our separation the money I gave her weekly to pay XXXX bank the mortgage. She didn't for 1 whole year and the house went into foreclosure without me being notified because she didn't want me to get the home. When a foreclosure sale date of XX/XX/XXXX was set, XXXX was caught lying to me saying that now she didn't have to sign anything. I called HUD and made a complaint and the sale was canceled. I have been waiting for a hearing to get XXXX, I am XXXX. In XX/XX/XXXX they transferred my mortgage to Caliber homes. I explained my long dispute and should be getting XXXX within 6 months. In XX/XX/XXXX XXXX. sold my loan to XXXX XXXX XXXX .They called for a auction sale XX/XX/XXXX I received notice in the mail XX/XX/XXXX.I called and talked with Caliber and they sent me forbearance paperwork. The same day someone else from Caliber called and denied me-without explanation. I I have a hearing for my XXXX on XX/XX/XXXX and the bank or mortgage company will not allow any more time for me to get my money and re-modify my home loan of 23 years.I worked at XXXX XXXX  XXXX XXXX in XXXX XXXX, Maine for 26 yrs. I became XXXX in XXXX. I was married XXXX yrs this bitter devastating divorce put this whole thing in motion. They want to sell asap because they know they will make a bundle off my misfortune. they all lied, broke contracts and was severely penalized by our government for these illegal business practices and are still doing it, I worked my whole life for this home and they just want another quick buck. I love my home and my land, I am grateful for any help in holding them back for just a month longer to re modify. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TransUnion 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the Fair Credit Reporting act Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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: Bank account or service

I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi on the phone on XX/XX/XXXX and the representative confirmed that I had met the requirements and that I would receive the points by XX/XX/XXXX ( within 90 days ). However, I have not yet received the points and Citi is claiming that I am not qualified for the promotion. They are delaying and rejecting my requests which is costing me additional monthly fees for the account.