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 : XXXXXXXX XXXX XXXX  Account Ending : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

I paid this account, and when I did Credit Collection Services promised they would delete it from my credit. Their own online disclosure stated the account would be deleted. It is still on my credit as a {$0.00} collection account, which is not what CCS promised at all!
Product: Checking or savings account

Cell phone was hacked by some one of XXXX origin indicating charges are made thru Wells Fargo Bank for {$1900.00} by XXXX and he is reversing the charges. Don't know how the person got my bank account. I suspected this and reported to a representative in person at local branch. This amount was pending and I was told to close existing checking account and transfer all funds to a new checking account with new user name and password. 
A claim was filed but the fraud claim center didn't trust an over 30 year client and cleared the payment next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. as a consumer I notified the furnisher indirectly through the CFPB of my dispute/complaint. XXXX  XXXX, XXXX XXXX along with XXXX all failed to follow The FCRA. The complaint that was chosen to be ignored was XXXX delete all accounts listed below because a reasonable reinvestigation was never complete with 30 days.
Product: Credit card or prepaid card

I applied for XXXX XXXX card ( operating under Synchrony bank ) as it was heavily advertised in late XX/XX/XXXX. I then flew to XXXX in late XXXX and returned back to NY on XX/XX/XXXX. I never received my credit card in the first place but someone stole it and made a purchase of {$570.00} in XXXX. I was never in XXXX myself As soon as I returned in NY in late XX/XX/XXXX, I called up the bank to notify them about the fraudulent transaction and that I never received the card in the first place. I called them numerous times- they acknowledged that it was a fraud and that their fraud team will get back to me within 60 days and that I do not have to pay for the fraudulent purchase. 

However, I never heard back from them again. When I called them again after a month, on XX/XX/XXXX, they told me that they claim was not submitted although I did inform them of the fraud. Now they no longer respond to my calls and I'm unable to reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Capital One pointing out a few inaccuracies on my credit report. They disagreed. For example, XX/XX/ report says there was no payment. However, I did make a payment as noted on attached document. XXXX was paid with XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX SV has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 days to delete these inquiries. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Without Recourse UCC 3-415, All Natural Inalienable Rights Reserved Delete the following inquiries from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX I did not give any of these companies access to my private information, and as the furnishers, you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE NOT MINES AND ARE MORE THAN 7 YEARS OLD.  THEY SHOULD HAVE ALREADY BEEN DELETED. 



XXXX XXXX XXXX XXXX XXXX {$3000.00} - - Installment Negative XX/XX/XXXX XXXX XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived or even been to XXXX XXXX Mississippi but I was checked for criminal activity in that county the same as my other previous addresses as if I have lived there, I have had previously had issues with my social security number being used in places where I have never been and wasn't sure how to fix it. Not sure if it is related but I figured I'd let you know in case you can help with that also ...
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls undeXXXX XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15USC 1692g, alongside a cease-and-desist proof of claim. Please provide proof claim and demand to see an authentication contractual agreement that authorization or law collection of this alleged debt. OCC with reference to these accounts.

-UCC 9 part 6, UCC 9-611 -UCC 9-614 ( a ), for proof that the presale letter was sent, and all requested information was included.

-UCC 9-616 ( a ) ( 1 ) ( b ) ( c ) ( d ) ( 2 ) ( c ) and UCC -616 ( b ) ( 1 ) ( a ) ( b ) ( 2 ), for the post sale letter.

-UCC 9-27 requires that any transactions involving these accounts should be commercially reasonable in nature.

Furthermore, as per UCC 9-626 ( a ) ( 1 ) ( 2 ), I expect prompt response to this inquiry. 
Please be advised that noncompliance with this request will result in serious legal trouble for your company. If the following can not be furnished, please remove these accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$260.00}, XXXX XXXX XXXX XXXX XXXX XXXX ) {$1200.00}, XXXX XXXX XXXX {$450.00}, XXXX XXXX XXXX {$460.00}, XXXXXXXX XXXX  ( XXXX XXXX XXXX ) {$380.00}, XXXX XXXX XXXX XXXX XXXX  ) {$490.00}XXXX XXXX XXXX XXXX  {$500.00}, XXXX XXXX XXXX {$430.00}
Product: Credit card

bread financial my credit card was lost and i advised. the company about these issues was going on and the charges was not mines at all./ the company over has failed me as a customer and i have a negative remark on my credit profile dealing with these high concerns i want this company to take accountability in their actions failing to do a proper investigation ... since the card was activated i never used the card at all when it was time to for me to locate my credit i was unable to locate the card. all transaction was fraud done without my knowledge.
Product: Debt collection

Got a text message saying I owed a debt when I dont the guy couldnt even give me an information about it when I called the original company they told me this is not right then I called the other two collections agency they tell me its fraudulent and to contact the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have identified information on my consumer credit file recently as a week ago that is a direct result of identity theft. This item is not related to any transaction completed by me. The Company which appears fraudulently on my consumer credit files name is XXXX. I have no idea who they are. My Social Security number, my date of birth, and other sensitive data has been compromised by all three major credit reporting agencies which include XXXX, XXXX, and Trans Union and all three agencies have had data breaches. I have filed an XXXX report and a police report with my local agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C. Code 6802b states a consumer reporting agency can not service the consumers account with a financial institution and to protect the confidentiality or security of the financial institution records pertaining to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Youre currently reporting XXXX XXXX XXXX XXXX  as Open on my report but this account has already been closed for more than 40 days. This is an improper use of my credit. Please fixed this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was notified by XXXX XXXX that i owed on an account that was opened without my knowledge. I am a victim of identity theft and my information have been exposed in XXXX data breaches. I am not sure who would do this so here is the ftc report attached to this complaint. The company XXXX Bank have been sending me threatning letters saying they have send the account into collections which i have demanded them to delete and there have been no resolution. This is causing my Credit to tank and has caused alot of stress and I need this fixed as sooossible.There is also inquiries that have been added to my credit that was not made on my behalf. here is a list of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Have had several phones calls for a XXXX XXXX. This is totally not her phone number, never has been, nor does she live here. Why am I receiving her calls? I 've asked XXXX now to please not call this number again. It is the wrong number. Both times I was told this number would be removed, but no luck so far. Offending number this time was XXXX. Internet says it 's a debt collection agency.
Product: Student loan

I have been working in non-profits for 9 years now, and it turns out that my payments on my students loans for most of that time were not eligible for the Public Service Loan Forgiveness program, because I was on a 20-year payment plan rather than the 10-year or the Income Driven. However, had I been doing the Income Driven, I would have been paying even less than I was at the time. In fact, when I did switch to the Income Driven system, my payments were {$0.00}. So I could have had over 100 of my 120 required payments completed, but I only have 35 on paper. Here are the issues here : -Inadequate communication of the PSLF program. Most people who qualify for this probably don't even know it exists. I found out about it, pursued it, submitted a form that stated that I was applying 5 years worth of payments toward it, and at no time was I notified that those payments hadn't counted. I found out that I only had 35 payments counted toward the 120 because I was looking up how many more months I had to go -- only to find I have 7 more years!

-Inflexibility of the program. I was working with XXXX XXXX, and I kept asking them who I can appeal to, and they said there is no one. I find this very frustrating. The whole point of the PSLF bill was to encourage and reward people who went into student debt in order to pursue a career that serves the community but doesn't pay well. I was a XXXX XXXX XXXX for five years and now I've been a XXXX XXXX for five more. And I was making little enough that I could have easily been on the Income-Driven program during that whole time. Why is there no appeals process that can make my previous payments count toward the loan forgiveness program?
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. 
The unauthorized account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Prepaid card

I received an email informing me that I got qualified for a prepaid XXXX card from Capitol One. The only problem is I never applied for any prepaid card. I then received an alert on my credit score. So I'm asking Capitol One to please remove this information ASAP.
Product: Credit card or prepaid card

{$39.00} late fee was charged. Payment was made before the cycle was closed. Chase bank is not willing to refund the late fee even though it is clear that I made a payment.
Product: Credit card

On XX/XX/XXXX, I reached out to request my phone number be updated. Not only was I denied assistance but my Apple Goldman Sachs account was locked and I was made to change my Apple ID password, answer identity questions. Goldman Sachs claimed I answered the questions wrong serveral times and disconnected me. I reached out to a supervisor by the name of XXXX who made these claims : It means your phone number does not tie back to your name and social security number. We are unable to remove the restriction due to this. Yes however lets we can just remove the restriction. Anyone else can just call in and update your personal information easily without the verification. This is why it is vile to have this information updated. The staff is Unprofessional and t needs to be trained on customer service and acceptable processes. Every time I reached out I was met with resistance affecting my mental health and told the same script that either that For security purposes, I will need to end this interaction and make an outbound call to the phone number on your account. or I apologize but I was not able to update the phone number. I have submitted a case to have it updated. We will contact you within 48 hours. or I need to disconnect but I will call you back at the phone number given in a couple of minutes. Each time, I explained my issue they kept insisting to call me at my old number or an irrelevant number that was never on my account. Hence why I will be pursing a lawsuit and Ia m formally requesting to escalate my request regarding the update of my cell phone number associated with my Apple ID and Apple Card account. Despite calling and sending multiple messages over the past three weeks, my number has not been updated and my account remains locked. 

I find it absurd that I can not validate my identity via my state ID, social or bank account. 

Given the urgency and the considerable time already spent daily on this issue, Your immediate attention to this matter is needed and would be greatly appreciated. I will be starting the process to sue Goldman Sachs for denying me access to my accounts on baseless claims. I have proven my identity countless times and I find it ridiculous that I can not be verified via any documentation I offered such as paystubs, copy of social, State ID or Bank account.
Product: Credit card or prepaid card

This complaint is a consequence of my original one dated XXXX which has been already closed - # XXXX. There, I stated how we purchased furniture at XXXX XXXX XXXX in XXXX  XXXX, XXXX in XX/XX/XXXX. We were lured by the XXXX percent interest in XXXX  months financed by Well Fargo. After the furniture was delivered and we received our first statement showing no interest charged, I assumed no interests will be charged to our account until XXXX XXXX when I had the chance to check our balance and learned Wells Fargo has been charging interests on this purchase. I submitted my complaint to CFPB on XXXX XXXX and Wells Fargo responded with all sorts of statements claiming they were not going to reverse the interests charged to our account. 
I responded saying that we assumed responsibility for not keeping the original receipt from the day of the purchase where no interest was shown. We took a loss! However, yesterday, XXXX XXXX, I received a phone call from XXXX XXXX, Manager at XXXX XXXX, saying we forgot to sign the original purchase contract agreement. That was weird that we get a phone call from the furniture store at this point. She sent the new " fabricated document '' showing an APR of XXXX %. She wanted my husband, XXXX XXXX, to sign it ASAP. 
I was in a shock and disbelieved at how these XXXX companies - Wells Fargo and XXXX XXXX have conspired to fabricate this contract agreement, making sure there was an interest rate of XXXX % on the purchase made in XX/XX/XXXX. The purchase was done! Almost at XXXX  months since all that was made and done. Why out of nowhere they were sending this " new contract ''? Look at all documents attached here. Check how it was carefully drafted - receipts were printed on XXXX XXXX. 
XXXX XXXX tried to tell me that there was aXXXX % interest rate included in our original contract and also stated and we did not understand. That's not true. If so, where is the original invoice? Why are you needing our signature now? After XXXX  months? In complicity with Wells Fargo, notorious for falsifying documents, this woman called us XXXX  yesterday and sent these documents via email. 
Whose idea was it to have her contact us? After this purchase was done XXXX  months ago. Why is she doing this for Wells Fargo? What is the benefit? 
From the beginning this was a joint account. But XXXX was in a hurry wanting my husband to sign this fabricated document ASAP for their records. Check what she sent me in the attached documents.
Product: Credit reporting or other personal consumer reports

I paid of my HELOC loan ( not closed the account paid of the balance ) on XX/XX/XXXX and XX/XX/XXXX. The intent was to pay off the balance and not close the HELOC line of credit. I was told to monitor the account to see if any charges show up and i can pay it off and i don't need to pay anything else. I was monitoring the account and i didn't see any charges on my account am attaching the statement balance for XXXX and XXXX. Suddenly they accessed me for a late charge in XXXX and reported credit bureau my account is past due which has impacted my credit score a lot. It has gone down from XXXX to XXXX. I contacted them but no one picks up the call left them a voice mail, sent them email no one responded back yet so am filing a compliant. 

Note : I paid off the balance on XX/XX/XXXX after I learnt that I had a balance due for {$100.00} and the statements never mentioned about any balance due Documents Attached : XXXX : Statement for XXXX XXXX : Statement for XXXX Bethpage_Balance : Snapshot from my online Portal Please feel free to let me know if you need any other documentations
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this inquiry on my credit report