23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Receive a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/2023 and an email welcoming me " to your XXXX XXXX XXXX XXXX XXXX card account '' on XX/XX/2023. I NEVER APPLIED FOR THIS CREDIT CARD. VERY CONCERNING! 
I tried to contacting the bank that issued the card, my call was disconnected. 
BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized inquiry from XXXX XXXX on XXXX, this UNAUTHORIZED inquiry has affected my credit profile and is affecting me from using my credit. Under the FCRA, specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy this inquiry needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX  XX/XX/2024 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credit. This issue aligns with the recent CFPB findings against Navy federal credit union for similar practices, where transaction settled insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit card

I recently learned that without my agreement, I was added as an authorized user on an account and that account is being reported to credit agencies as part of my overall credit report and debt obligation. The account is a Chase Amazon Visa.
Product: Credit reporting or other personal consumer reports

I have various items wrong with my credit report such as name on XXXX file and wrong addresses and unauthorized inquiries by a car dealer and account that I want investigated for late payment status being incorrect. Also, I want to validate and verify several other accounts that I outlined in the letter enclosed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

| *** *** see attached documents XXXX XXXX  XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXXXXXX XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

| *** *** see attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 


| *** *** see attached documents
Product: Debt collection

On XX/XX/2021 Compass recovery group called my girlfriend, and have previously sent collection attempts to an address I have not lived at for over XXXX  years. The collector announced himself as working for Compass recovery group and pestered her for information as to my contact information during her work day. A clear violation of the law, as well as unethical and harassing tactic. 

According to the reviews online about this particular company I am not the only one that they have done this to, despite the tactics illegality.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX obtained my Credit Report XXXX without my permissble purpose! I never gave this company permission to have access to my credit report
Product: Debt collection

The debt collector ( XXXX and XXXX ) called a relative and told them information about my debt owed. The told them that they were looking for three of my vehicles and asked for a location of them. This is against the law. 
I have also already been in contact with the connection company prior to the call. The phone call to my relative took place on XX/XX/year> after I spoke to the company on XX/XX/year> as well.
Product: Credit reporting or other personal consumer reports

XXXX INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNTS NEEDS TO BE VALIDATED XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX A ACCOUNT NUMBER ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT NEEDS TO BE VAILED XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX
Product: Debt collection

After a security breach at my employer, all employees were provided free credit monitoring service. After reviewing my credit report, I noticed an account that was not mine listed as a bad collection, which adversely affected my credit score greatly. Portfolio Recovery was listed. I contacted Portfolio Recovery numerous times, via US certified and read receipt correspondence. I asked for debt validation, ( they merely sent a copy of the last bill ), I asked for signed copy of the contract I supposedly had, proof they had the legal authority to pursue this erroneous debt, they never provided either. I complained twice with the CFPB and Portfolio would not cooperate, prove the debt was mine, and remained undeterred. Lastly, I sent another certified/read receipt letter stating I was willing to pay 75 % of the balance in full with the promise this erroneous collection will be removed from my credit report. They replied and did not want to negotiate. I rather pay for this debt then to keep the negative mark on my credit as a bad collection which will cost me 100s of dollars in higher interest rates for years. I was told that even if the bill was paid in full, this will remain on my credit report. I do not understand why a business will be so cruel to a consumer who was the victim of fraud. After speaking with my council and reviewing my credit report, I learned Portfolio Recovery Associates is reporting they are a factoring company. This is against FCRA section 623. This is violating my rights. This is unfair business practices with me, the innocent consumer, falling victim. I want this collection removed from my credit report from all three credit bureaus, to never appear again under different auspices, or traded or sold. Portfolio Recovery Associates are not being honest, fair, and they need to held accountable for their actions. I also filed a complaint with the Virginia BBB. Thank you for using the Better Business Bureau 's Online Complaint System. Your complaint has been assigned case # XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The accounts reporting to my credit report do not belong to me. The accounts are : XXXX XXXX XXXX opened XX/XX/XXXX {$25000.00} XXXX XXXX opened XX/XX/XXXX {$3700.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$8900.00} I have attached an FTC report ( report number XXXX ). I also have attached a FCRA 605B ( 15 U.S.C. 1681c-2 ). I am asking that XXXX, XXXX, and Experian remove or block these accounts from reporting to my credit report within 4 days of receiving this complaint.
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. 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 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 HAVE NOT SUPPLIED PROOF UNDER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Product: Credit card or prepaid card

Please include both Capital One and XXXX XXXX in this complaint with your department. I have applied for a credit limit increase with both Capital One and XXXX XXXX. I have been denied a credit limit increase by both Capital One and XXXX XXXX. Capital One most recent denial was XX/XX/XXXX, XXXX XXXX XXXX does not have an option to request a credit limit increase online but have denied me when I asked over a phone call. I do not recall the dates I requested a credit limit increase and I did not receive an adverse action notice for their decision to deny me. The representative said they do not offer higher limits than what my accounts already have. If they used my social security account number on the application then my credit limits should not be restricted. Both companies compelled me to disclose my social security account number which allowed me access to my own credit but they have refused to increase my credit limits per my requests to do so. Refusing me a credit limit increase is an adverse action according to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) of the Fair Credit Reporting act which states it is adverse to the interests of the consumer. XXXX XXXX and Capital One have violated my right to privacy by making reports of what should be my private accounts and transactions without giving me an option to opt out of such reports. This is a violation of both the Fair Credit Reporting Act and the Gram Leach Bliley Act. They have reported negative remarks to the bigger consumer reporting agencies which have caused me several adverse actions over time. They have caused my score to drop many times because I do not carry balances or because I do not incur debt often enough or because I have made a couple of late payments which is rare. I did not consent to them reporting any information much less any adverse remarks to any consumer reporting agencies. My transactions would not be public information had they made proper disclosures of my rights or had they had respect for my privacy. XXXX XXXX has placed an additional fee for adding an authorized user. I should not be charged to allow my wife access to my credit. All transactions I make with these corporations are for personal, household or family purposes only. I do not use my credit cards for any other purpose.
Product: Debt collection

I have private student loans which are now owed to XXXX XXXX XXXX. These loans were initially taken out through XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX. An XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was done XX/XX/XXXX. There were a total of 5 private student loans were requested and Promissory Notes were signed for the same : ( 1 ) XXXX XXXX XXXX # 1 : {$15000.00} requested XX/XX/XXXX ; ( 2 ) XXXX XXXX XXXX # 2 : {$4000.00} requested XX/XX/XXXX ; ( 3 ) XXXX XXXX XXXX # 3 : {$6500.00} requested XX/XX/XXXX ; ( 4 ) XXXX XXXX XXXX # 4 : {$10000.00} requested XX/XX/XXXX ; and ( 5 ) XXXX XXXX XXXX # 5 : {$5000.00} was request XX/XX/XXXX but XXXX XXXX {$1200.00}. On XX/XX/XXXX a complaint was filed with the XXXX XXXX XXXX by XXXX XXXX XXXXXXXX XXXX against me XXXX XXXX, Case No. XXXX. I offered to pay {$100.00} per month, which is what I could do since working part-time due to illness, XXXX wanted {$500.00} per month. I declared XXXX XXXX Bankruptcy on XX/XX/XXXX which stayed the case until XX/XX/XXXX and to which I have made payments of {$120.00} per month. In the Court case, XXXX claimed I owe : 1st : {$42000.00} plus interest {$40000.00} interest plus XXXX % per annum from XX/XX/XXXX + Atty. Fees ; 2nd : {$42000.00} + interest XXXX % per annum from XX/XX/XXXX ; As to 3rd & 4th Causes of Action : {$42000.00} + interest at the rate of XXXX % per annum from XX/XX/XXXX ; and costs of suit. Yet, to date I have not received a breakdown as to what is actually owed despite numerous requests for the same. My XXXX XXXX XXXX Case Summary states that Status : Deemed Complete ( no Remand from Federal Court ) XX/XX/XXXX ; and I'm not sure exactly what this means. The rate of interest for these loans is calculated as : " The Variable Rate is equal to the Current Index, plus ( a ) XXXX % per annum during the Interim Period, and ( b ) XXXX % per annum during the Repayment Period, but in no event more than the maximum rate allowable under applicable law. The Variable Rate will change quarterly on the first day of each XXXX, XXXX, XXXX and XXXX ( the " Change Dates ( s ) '' ) if the Current Index changes, and at the commencement of the Repayment Period. The " Current Index '' for any ca! endar quarter beginning on a Change Date ( or for any shorter Date ) is the most recent index as of the Change Date. The Index is the average bond equivalent rate of the final auction for 91-day United States Treasury Bills during the prior quarter. ( The bond equivalent rate of the weekly auction average United States Treasury Bill is established by the Federal Reserve Board in Statistical Release H.15 ( 519 ) under the designation 'Auction Average ( investment ) -3 month. ' ) If the Index is no longer available, you will choose a comparable substitute. '' I have attempted to find this rate to make my own accounting but to date I have not been able to find anyone who understands this interest rate as quoted. Please help me. Sincerely, XXXX XXXX
Product: Debt collection

I have a collection from AFNI, INC for an account with XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ) I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. After the consumer credit transaction, I was not expecting a bill. I sent a very detailed affidavit of truth with evidence of all the issues I had with the contract and how they are attempting to collect an alleged debt. I am the natural person and the original creditor. I extended my credit with my credit card as described in 15 USC 1602, and was extended credit in a consumer sale. They are now claiming that they originated the credit I extended to them, in which constitutes as fraud. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized XXXX to XXXX XXXX XXXX XXXX using the address that was provided, but it was returned due to being an invalid address. This corporation doesn't even have a valid address to receive disputes. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with XXXX XXXX XXXX XXXX. I have escalated this issue to the FTC, as seen in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX- This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX - Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXXXXXX XXXX - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed