23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}, XXXX XXXX  XXXX* Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$3800.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$690.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2300.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 
Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX are held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

I was informed by a family member that there was a lawsuit filed against me by capital one trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. Capital one has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!
Product: Credit reporting or other personal consumer reports

XXXX EQUiFAX XXXX has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on Experian from XXXX and XXXX, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section XXXX : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX
Product: Credit card or prepaid card

Bank of America advertised a promotional no-interest cash advance program when logging into my credit card account using the Bank of America App . The promotional program offered " 0 % interest on a cash advance for 12 months ''. The promotional splash page clearly indicated that a 3 % charge on the cash advance amount would be incurred, which I was happy to pay, and that repayment of the cash advance amount would not be due for 12 months. I registered for the program online immediately for a {$2500.00} cash advance and was approved. I called Bank of America following issuance of my next statement to confirm that I could pay my balance less the cash advance amount and not incur interest charges. The BOA representative told me " yes, you can short pay your statement by the {$2500.00} cash advance amount and not incur interest ''. I followed the BOA guidance, but was still charged interest on my subsequent statement and called Bank of America a second time to clarify. It was then explained that he only way to incur 0 % interest for 12 months was to stop making purchases on my credit card until the cash advance amount was paid off. Indeed, it was in the fine print, but nowhere in the program advertising, that all purchasing activity must cease in order to avoid interest charges on the cash advance amount. I filed a complaint with BOA as a deceitful advertising practice, and BOA still refused to refund me the 3 % program fee of {$75.00}, and now I'm in the position of paying back the cash advance in full immediately to avoid future interest charges. I feel the advertising of the program was highly deceitful and designed to misinform customers to the benefit of BOA.
Product: Money transfer, virtual currency, or money service

I send {$90.00} to my cousin in XXXX, she try to pick up the money the next day, true the companie MONEYGRAM they told her that the transaction was cancel or someone pick up the money, but she was the only person authorized for this transaction I talk to her, she doesnt get any money, she ask who sings they set theres no signature, I havent have any help from the company and have no been refund what can I do to get my money back?
Product: Credit card or prepaid card

Around XX/XX/XXXX, I applied for credit through capital one. They approved me and then said I had to make a down payment of {$99.00} and that my credit limit was only {$200.00}. This violates my rights as a consumer under the truth in lending act and fair debt collection practices act. I did a credit sale to extend my own credit back to me, capital one ran my credit, using my credit card ( social security card ) making it a consumer credit transaction meaning all finance charges were paid indirectly by me when my credit was ran. Asking me for a down payment is illegal and not following the protocols of debt collection is also illegal.
Product: Credit card

I've asked the company already XXXX times about the {$6.00} XXXX charge that they keep charging me. I even contacted XXXX XXXX and they have no idea where the {$6.00} is going, they sent me an email requesting venmo remove the charges from there end since they have no idea where the {$6.00} is coming from. This has been going on since XXXX. I've made many complaints and still nothing is being done by venmo.
Product: Checking or savings account

On XX/XX/XXXX I had a hacker take control of my phone to get my XXXX back. He got into my Wells Fargo account and transferred funds through an app called uphold to himself. I never authorized any payment. The hacker used my identity to make the transactions and he told me they were codes to block external locations of a hacker in my phone. I reported this to Wells Fargo immediately. They told me as soon as the funds were posted they would issue me a refund. When the funds were posted I contacted them and they told me that they could not issue a refund because I made those transactions. I got escalated to a higher department and they then told me that wasn't true and I would get my money back. I called to check on my claim yesterday and they told me it was denied. I submitted my evidence that I didn't make the transactions as well as provided them with my police report and they told me since I had that much evidence I would receive a refund. Today I called to check on my claim and they said it was denied and would not be reopened because I made those transactions and there was nothing they could do. The amount was XXXX
Product: Credit reporting or other personal consumer reports

I have identified significant inaccuracies on my credit report, which XXXX, Experian, and XXXX continue to verify as correct, despite clear evidence to the contrary. The continued reporting of this incorrect information is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 and Section 611, which require accurate reporting and thorough investigations of disputes. 

I have included proof that demonstrates the inaccuracies, yet the credit bureaus have failed to make the necessary corrections. This negligence in correcting the false information after being provided with clear evidence is unacceptable. I demand that this incorrect information be removed from my credit report immediately to prevent further damage to my credit standing. 

Please take immediate action to rectify this matter and ensure full compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is listing themselves as the original creditor. 

I do not have a contract with them. 
I am not liable for this debt. 
There's no payment history sent to me as required. 


No authorization to collect.
Product: Credit card or prepaid card

I purchased a refrigerator for {$1400.00} using Wells Fargo Credit card, the refrigerator makes loud roaring sounds, I called the merchant but the merchant was of no use and did not solve the problem, so I filed the dispute with Wells Fargo and they gave 30 days to the merchant to respond, merchant did not respond in 30 days and Wells fargo made the credit permanent. Now after two months merchant contacted Wells Fargo and said that now they want to respond and Wells fargo opened the dispute again. This is not how it works, Wells fargo have a standard procedure and they should follow it.
Product: Payday loan, title loan, or personal loan

I am trying to access a portion of my unlimited credit and Truist will not let me do so in any form. I applied for a personal loan on XX/XX/XXXX and was denied as well as I have been denied for every credit card I have applied for with Truist. 

They also closed my personal checking account and business account for being in the negative, due to fraud, and identity theft. They didn't even care to take the police report about my stolen identity or my side of the story until I reported them. I am recently finding out all of their denials and account closings are illegal. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law, and what laws did they use to close my accounts? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # 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.

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

How can our Government rate its USA citizens and give everyone a " Fake Credit Rating '' It's unconstitutional to DENY ANY CREDIT ... LOOK UP THE LAWS ... most US citizens don't no this... but it is... Especially when our government is Trizillions in Debt... they got the nerve to rate a tax payer?!! Friend it's a Joke ..... I'm so irritated I can't file bankruptcy because when I try they say there's nothing on my credit report... but when I try to get a loan it's denied because of a " fake credit rating '' our XXXX government allows you ppl to use ... XXXX XXXXM GOUNG TO TAKE THIS PAPER I GOT FROM THE BANK DENIAL TO COURT N OUR XXXX XXXX N THE OTHER 2 USELESS COMPANIES TO AND FILE SUIT ..THEN MAKE THEM PROVE WHY IM DENIED THEM THERE XXXX CAN GO TO XXXX COURT N STRAIGHTEN MY STUFF THERE..52 YRS OLD AND THERE STILL XXXX WITH ME ..IM FED THE XXXX  UP
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  at XXXX XXXX College in XXXX XXXX, NY. I recently dropped out of this school because of them using my personal information to take out a loan without my knowledge. Dept of education/XX/XX/XXXX placed this loan my credit report which wasn't supposed to be reported until after I graduate. Because of this, my credit score decreased drastically.. XXXX XXXX College said they sent the loan amount of XXXX back to the dept of education and notified dept. Of ed/XX/XX/XXXX. This item is Still on my credit report despite being paid in full.
Product: Checking or savings account

I was supposed to have only one overdraft fee and now I had six overdraft fees for when i only took out {$300.00}!!!
Product: Debt collection

The Best Service Co. is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Product: Credit reporting or other personal consumer reports

Experian is the only credit agency reporting my school balance inaccurate. in the past I has a balance reported as XXXX which was variable by XXXX and XXXX and the department of education however Experian. I have perviously filed a complaint with the CFB 60 days ago and it has not been rectified, By law you only have 30 days to fix the incorrect information or respond. which the company failed to do.
Product: Credit card

I used my credit card ( Barclay Card ) to paid XXXX to buy Spirit XXXX and also I was paid extra XXXX for shipping insurance for cover any damage to my shipping. 
After I received shipping XXXX of XXXX bottle was damage I was dispute to my credit to refund or credit back, after I was sent letter indicated to my credit card and also seller I can not allow to sent spirit across state I will lost because I do n't have license to ship back XXXX ( after I checked with XXXX and XXXX and XXXX XXXX will confiscate ). My credit card was closing my case and also run report to the various credit agencies because my dispute XXXX Barclay card had insurance cover for 90 days for anything if I not satisfy ). I was repeat to ask XXXX to pick up or sent label for me to return but I never get response During dispute I can not get charge or financial on my credit but Barclay Card was charge ( It is again a law and report account information to consumer reporting agencies ).
Product: Debt collection

Navient ( formerly XXXX XXXX ) continually calls me throughout the day. I am well aware that I owe them money, I intend to make these payments as soon as I can, and am trying to work so that I can make the payments I owe, but can not do so when they call me hourly throughout the day, leaving pre-recorded voicemails, or nothing at all. Today, XXXX/XXXX/15, I have been contacted at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Based on their track record yesterday, I expect at least 2-3 more calls before the day is finished. Yesterday they contacted me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Mortgage

I had XXXX hard inquiries from imortgage company ( XXXX ) on my credit report on XX/XX/2017 and XX/XX/2017 making it XXXX times in 8 days. 
I called both XXXX and XXXX who reported this inquiry and I was advised to ask for a letter of deletion from the loan company to take it off my credit report. 
My loan officer denied making the inquiry on the XX/XX/2017 and has refused to give me a letter of deletion for the hard inquiry on my report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX I XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.