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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

Please note the pre filled automated options did not fit my situation. The FMS company based in Illinois contacted me about another person 's debt. The caller stated that they received information that I may know the person and wanted me to pass along information. I would like to report for this practice because now I am privy to someone else 's debt information. The company called me from XXXX. 

I was contacted on XX/XX/2018 at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have discovered a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This unauthorized inquiry is clearly a violation, and I am demanding that it be deleted from my credit report immediately.
Product: Checking or savings account

Hello, my name is XXXX XXXX, and Im contacting you regarding an issue with my Chex Systems report. Ive noticed an inaccuracy concerning bank records. I would appreciate it if you could investigate this matter and correct any errors. Its been affecting my credit and my personal capacity to open an account. Your failure to positively verify this account hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be REMOVE. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must REMOVE any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be REMOVE : 1. 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, credit repair services, or other personal consumer reports

On approximately XX/XX/2019 I sent Equifax a certified letter asking them to send me verification and method of verification of 3 negative accounts that they refuses to remove from my credit history. They send me a letter on XX/XX/2019 stated they received my request but was unable to locate my files. Just continue to give me the run around as if it's a game. This have been ongoing for serval months. They have sent me mail. But now they pretends not to be able to locate my files.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a collection account reported on my consumer report. The account is currently listed by XXXX XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX tracking number : XXXX, XXXX tracking number : XXXX, and Equifax tracking number : XXXX. However the credit bureaus said that they completed the investigation and everything was 100 % accurate. How is that when the account number is incorrect, the account type is incorrect, the account status is incorrect, the monthly payment is incorrect, date opened is incorrect, the balance is incorrect, payment status is incorrect, last reported is incorrect, date last active is incorrect and the date of last payment is incorrect? According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation? 

One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b ( a ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates 15 USC 1681i ( 5 ) ( A ) ( i )- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give anyone written instructions.
Product: Credit card

Noticed my Synchrony Bank XXXX XXXX credit card account was closed without any notice in XXXX. Never missed a payment. I asked why my account was closed and was told it was due to my credit score. I asked where in my contract it stated that, and why I never received notice. Was then told there was nothing that could be done and was not given any further explanation.
Product: Debt collection

Violations of the Consumer Credit Protection Act, enacted in XXXX Failure to substantiate date of receipt of this account Failure to Validate the Debt Deceit & false information Using abusive, unfair, or deceptive practices when they collect debts I wrote a demand for authentication of debt on XX/XX/XXXX. The only evidence your company provided was a HAND-TYPED letter that that did NOT include VERIFIABLE proof of any evidence to substantiate this debt. 
Hand-typed letter consisted of the following : -Incorrect dates of transactions -Incorrect dates and/or late fees were added to the account -No contract ; only an Automatic Payment Authorization Form THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) with a WRITTEN NOTE in the right-hand corner 10-month contract that has an address listed that I no longer reside at from XXXX THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) -No proof of successful payments, transaction numbers -No proof of alleged unsuccessful payments -No proof of signature or contract ( only on an Automatic Payment Authorization form -No proof that identification was supplied, or copy taken when signed to verify that the signature was in fact mine -No official date off when the account was bought/obtained by your company to ensure that you were within the FDCPA regulations. 
-No include statements or amounts documenting how the amounts of {$710.00} and {$760.00} were accumulated by XXXXXXXX XXXX XXXX -Credit Systems NEVER provided actual validation of this debt after A SECOND correspondence to your company on XX/XX/XXXX that the information supplied was NOT enough evidence/proof in accordance to FDCPA laws. And after your company had already exceeded the 5 days legally allotted to supply information to me. And STILL havent done so in these 230 days since my last correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things wrong with my credit and I am attaching al letter detailing all of these items. Wrong employers and personal addresses in the past. Inquiries that I did not authorize charge off 's late payments and accounts I do not recognize and want validated
Product: Debt collection

Long story which I will keep as short as possible. I received a notice on XXXX/XXXX/XXXX from my bank that my account was frozen and told to contact Riverview Law. I 've called them every single day since XXXX/XXXX/XXXX trying to get details. They had the wrong name, incorrect address, address that did not exist in the state of MN. I 've been asking for a detailed list of all notices/bills sent for a medical bill from XXXX for my XXXX XXXX XXXX son for a XXXX injury that happened when he was living with his grandparent 's in XXXX MN. They have ignored me, hung up on me and put me on hold for long periods of time. They sent me a letter stating that due to the age of the visit there was no consent form on file. This is not true. I have the records and I informed Riverview Law before this letter was sent that I had them. They also told the XXXX the same thing. They now claim that the hospital misinformed them. I 've been trying to verify the debt and have asked everyday since XXXX/XXXX/XXXX for names, dates and addresses of where these notices were sent. I did manage to get XXXX bill from XXXX XXXX XXXX dated XXXX that they send was mailed to me. I 've informed them again that the address on the bill does not exist in the state of MN. The street address is a XXXX address and the city and zip code are for an address in northern MN. I 've offered to work directly with the hospital regarding this matter since I do n't feel that Riverview Law is honest and forthcoming with information in my attempts to resolve this matter. They said is does not matter if the information is not correct, they have a judgment and can legal garnish my bank account. I 've told them many times that I never knew about this and how was it fair that I have to pay over what the original debt is because both XXXX XXXX XXXX and Riverview Law did not do their due diligence in properly informing me of this matter. If I was informed like they are saying I was why is it that they have a wrong last name for me, an incorrect/not vaild phone number and an address that can be verified by the XXXX XXXX XXXX as non-valid in the state of MN. They also just told the XXXX that half a dozen notices were sent to me at my current address between XXXX. I was told by the hospital that Riverview Law did not have this file until XXXX. I questioned how they can make that statement since they did not have this debt at that time. I also have proof that I did not live at my current address until XXXX/XXXX/XXXX so how is it that they sent notices to an address that I did not live at until after the time period they are referring to. There are many complaints out there regarding the tactics regarding Riverview Law and my story is very similar. I do n't believe that I was ever properly notified by Riverview Law regarding this debt. In my dealing with them everyday since XXXX/XXXX/XXXX, I have records to prove that they have lied about the information that is out there regarding this debt.
Product: Debt collection

XXXX sent a bill for the bill I do not owe. I paid all my dues prior to cancelling service with them. Bill are paid one month in advance, and the charges they are claiming for the amount they collected for the last month. They reported to debt collection company called Southwest Credit
Product: Credit card

On XX/XX/XXXX, Avant credit card company did not protect my account. They do not have a secure two-step authentication process for verifying customer information and scammers successfully changed my password mail address and password, charged two payments of {$1400.00} and thusly had access to my bank account via the linked card. After two weeks, Avant did fix my account and apologized for any inconvenience BUT they did not restore my account balances and now Im financially paying for their lack of security interest to protect customers AND Im also paying physically paying for the debt now on my account which is due to no fault of mine. I asked then to kindly restore my account balance as it was prior to the scammers. My credit has been greatly affected and this is not fair. Prior to the scammers stealing my identify, my account was paid on time via automatic drafts. My credit is not being correctly reported nor is it fair that I pay for something that a company failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting Act Creditor : XXXX XXXX XXXX Account # 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: Credit card

I have an inquiry from SYNCB/AMAZON on my XXXX credit report. This is a hard pull and I no association with this company and I have never asked for any kind of services, nor asked to open an account with them. XXXX asked me to submit a report here and get a letter so they could remove it.
Product: Debt collection

On my credit report, XXXX claims that I owe money in their collections. For what, I can only assume? I do not owe the debt, I was incarcerated in the XXXX Department of Corrections and Rehabilitation. I attempted to dispute it and was denied a thorough investigation. The collections obviously changed companies because the date stated is in error. If it's traffic tickets unpaid in XXXX and XXXX, it wasn't me, because I was incarcerated in the XXXX Department of Corrections and Rehabilitation. I received mail once on this matter, many years ago, but never heard anything about it again. If I was responsible and owed, I'd of paid the debt. But putting something in collection without my knowledge and adversely it impacting my credit score without notification is wrong. I have a valid DL and only received one traffic infraction in XXXX, which I paid immediately to the XXXX XXXX XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU correspondence for full details and allegations of " 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score ''.

Please note that I am attaching 2 copies of my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU PDF copy that is unsigned for the purpose of clicking supporting links that can be reviewed and another duplicate signed copy that was scanned. 

Both letters describe full details of my allegations of 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have turn vehicle in from account showing and it should be closed I now have a new lease that is open with same company. I need old account to show closed paid in full.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding BMO Harris Banks handling of my recent check deposit and their failure to provide adequate communication and support. 

On Wednesday, XX/XX/year>, I deposited a settlement check into the account around XXXX XXXX. At no point during the deposit process was I informed that the check would be subject to an extended hold. When I called the bank several days later to inquire about the availability of the funds, I was told that the check was placed on hold until XX/XX/XXXX nearly a full week after the deposit without prior notice. 

When I escalated the issue to BMOs fraud department and requested assistance, I was told that : There was nothing they could do to expedite or review the hold. 
They are not required to notify me if they decide to extend a hold. 
They could not even verify whether any communication about the hold had been sent to me. 

This lack of transparency is completely unacceptable. As a regular customer who deposits amounts greater than this check monthly, I find this treatment unfair, misleading, and harmful. I rely on timely deposits to cover critical expenses, including insurance payments, and this unexplained delay directly impacted my financial obligations. 
I am requesting that the CFPB investigate BMO Harris Bank for : 1. Failing to disclose or adequately communicate extended holds on consumer deposits.

2. Unfairly withholding funds without offering a meaningful process for review or dispute.

3. Poor customer service practices that leave consumers vulnerable to overdrafts and financial harm. 

Please note that I am happy to provide supporting documentation, including deposit receipts, account activity, and written communications if needed. 

Thank you for your assistance in investigating this matter. 

Sincerely, XXXX XXXX XXXX
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 15 USC 1681. 

Account name : # 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 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. 

I do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.
Product: Checking or savings account

On XX/XX/2019 I called Capital One customer service about a email i received about my online access to my account be " locked '' but an email stating that it was a " easy fix '' and to please call them to get it fixed. When I called on XX/XX/XXXX I was told to check back them within a couple days to follow up. I called multiple times the following month in XXXX on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today the XXXX for a final opportunity to tell me whats wrong with my account access. I put through another formal complaint on the XXXX of XXXX where I was told this issue should ben resolved within 10 business days. Today is the XXXX and I am still locked out of my online account access. I can not pay my bills online, see my deposits, or withdraws. I did try going to a local bank branch where the Manager could not access my account either online. Capital One told me that they can see my account online on their end but they can also see where i have had a problem accessing it through my personal computer, tablet, and phone. ( please see my attachments for proof of email through capital one about the issue ) Capital One keeps telling me that their " digital resolution team '' has put this as " high importance '' but its been over 20+ days and still no answer. Capital One did however admit that this is a problem on their end that started this whole issue. They referred to it as a " data profile '' issue.
Product: Student loan

On XX/XX/year> I wrote to Firstmark services to inquire- I would like to know how to apply for cancellation of my private loans based on school misconduct. I am entitled to a process for private student loan relief because of my schools misconduct-pushing students to obtain predatory loans. 

On XX/XX/year> I received a response our loan is not a federal loan, so it is not eligible for forgiveness due to school misconduct. Your loan is a private loan, and the terms and conditions of this loan are different than federal loans.
Product: Credit card or prepaid card

I bought two airline tickets to XXXX from an online company called XXXX for {$1400.00} on XX/XX/2020 using my Capital One credit card. The tickets were canceled by the airline and XXXX told me I was entitled to a refund but I never received one. I filed a dispute with my credit card company but lost the dispute. Now XXXX tells me they will refund the money if Capitol One will write a letter saying the dispute has been withdrawn. Capital One tells me disputes can not be withdrawn legally and refuse to write a letter for me. I am out {$1400.00} for airline tickets I was never able to use.