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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Prepaid card

My name is XXXX XXXX, XXXX and XXXX. This complaint is being submitted on my behalf without any third parties. On Friday XX/XX/XXXX, was the last day I was able to use my cash card. Saturday XX/XX/XXXX, all of my transactions were declined due to unusual activity so I reached out to cash app support via phone and chat Monday XX/XX/XXXX. See attachments. NOBODY care to help nor provide me with any additional information. Ive never had any problems with cash app as Ive been with them since XXXX. Ive expressed this is my only account and I cant access any of my funds. This is causing great emotional & physical distress, as Cash app are continuing to injure me without my consent. I need whatever block cash app has on my account to be removed asap.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2017, with a balance of {$3300.00} I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 
For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. 
Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report.

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it mus
t be removed from my credit report.

Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability.

In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies has furnished my credit for so many years to a point I cant buy a home, get a vehicle for me and my family, nor any loan. Which they violated my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of educationXXXX is showing everything as being paid good then out of no where they show one month with a green check then the very next month 90 days late. Then the next month is 120 days late. Then the third and final month is 150 days late. The math doesnt work. I am XXXX living on railroad retirement board XXXX. Im doing what I can but the dates showing late are the dates they said they were putting a freeze on student loans due to the COVID 19. On fico which is attached they show 120 day late then 120 days late tgen 159 days late. This math does not work
Product: Credit card or prepaid card

I purchased a {$100.00} Vanilla Gift Card on XX/XX/22 from XXXX. My son activated the card and made a purchase for {$13.00} on XXXX account. On XX/XX/22, he attempted to make another purchase and learned that card was declined. After multiple attempts to use the card, he logged into the Vanilla Account and learned that the card only had a balance of {$0.00}. There were XXXX unauthorized charges for a total amount of {$86.00} on the account from the XXXX XXXX. I called the Vanilla account and reported the fraudulent charges and was informed to file a complain with XXXX. On XX/XX/22, I submitted the complaint dispute online to XXXX and received a Ticket # XXXX. I was informed that it would take 45-90 days for an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I WANT TO HAVE THIS MATTER RESOLVED AS SOON AS POSSIBLE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT.
Product: Checking or savings account

Wells Fargo is an awful company. they are making it nearly impossible to fix my problem and if anything, have just made it worse. 
I noticed fraudulent actives going on as far back as XXXX of 2023. I was only able to add ten transactions to my claim and had to call an agent to finish off the rest. Which i thought everything was handled. But after being suspended from my online access I was able to see my claim and how much it was because after calling multiple times no agent would clarify how much the refund or if i would even get one. Well come to find out the Agent had added 30 transactions on top of my already 10 from my first claim. Which 25 out of 30 were not even supposed to be on there and multiple transactions that should be on there are not! After trying to get it fixed with the online agent, I couldn't finish it all with them apparently so had to call again and after waiting for an hour on hold, I finally got to talk to someone and then got hung up on. This is just all so ridiculous and so unprofessional especially from such a big company.
Product: Credit reporting or other personal consumer reports

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX APT XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$78.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$130.00XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$78.00XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$130.00}
Product: Credit card

Im requesting a copy of the 1099c for this account to verify with the Internal Revenue Service that the amount that Bank Of America is what their reporting. This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX is lost/stolen and has fraudulent transactions on the account. I want XXXX  to immediately close the lost/stolen XXXX account . I want Experian and XXXX to immediately delete and remove the XXXX XXXX account from my Experian and XXXX credit report. I want Experian and XXXX to report this information to XXXX XXXX and XXXX. My XXXX  XXXX Account Number is : XXXX.
Product: Mortgage

In late XXXX of 2023 I received an email that my mortgage that was XXXX XXXX was being sold or transferred to a new mortgage company called Newrez. Subsequently on XX/XX/2023 ( exactly seven days before payment was due ) I received an email from Newrez stating that my XXXX XXXX loan was being transferring to them ( Newrez ). The email said that the effective date was XX/XX/2023 ( seven days ) and my loan activation date was XX/XX/2023. Newrez also provided a loan number. The email also stated that on XX/XX/2023 I would receive a detailed welcome letter along with due dates, information about my loan, and due dates. On XX/XX/2023 I did not receive any mailed written notification from Newrez. I still don't know how they obtained my email information. On XX/XX/2023, after receiving no additional information, including no mailed welcome package, no disclosures, no nothing from this new mortgage company, I called Newrez. I spoke with someone who stated that they were attempting to collect a debt. I informed them that the transfer of my loan was handled very poorly. I never received any mailed notification of the transfer from Newrez, I received no welcome package, and even the loan number in the original email was showing up as " not found '' when I tried to set up a new account on line. Frankly the transferring of this loan seems like fraud. I told the representative that I must have something in writing about my new account. I also asked why the welcome package had not been mailed out. He provided me with the excuse that they had a lot of accounts being transferred over and had fallen behind. It is now XX/XX/2023 and I still have not received any welcome package, disclosures about the loan, the amount transferred over, the interest rate to confirm that it is the same, or a payoff amount- which was also requested. This loan and payment is now 45 days past due, and I am concerned that on day 60 Newrez will report me as delinquent, even though they have not complied with any of the requirements for a loan being transferring. Each time I call them the representative just says I can pay online, but this does not guarantee that this is who I'm actually supposed to pay, or that this company is truly even responsible for servicing my loan. I received an XXXX statement at the end of XXXX, but this has been all I received. I need some immediate answers and help, because I don't want my credit messaged up by this being reported as past due or late. Are there federal guidelines that mortgage companies have to comply with that covers this?
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

Constant harassing calls, showing up aty door step, at my work and asked to stop and still kept harassing me
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX  Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

Credit Karma told me I had good approval odds for a secured loan using my car as collateral and it used wording like take offer making me feel I was pre approved. I applied and was immediately denied after they pulled my credit.
Product: Debt collection

On the week of XX/XX/XXXX I received a phone call from the CBE group requesting identifying information from me. I explained to the representative that I was unable to provide information as I was at work and sit in a communal office. I requested she not contact me until after XXXX, where I would be in a secure location and be able to provide personal information. 

I received over a dozen calls between XX/XX/XXXX and XX/XX/XXXX between the hours of XXXX - XXXX, of which I was unable to answer due to being at work. I was able to answer 1 call on XX/XX/XXXX at XXXX. I confirmed with the gentleman that my account specified not to contact me prior to XXXX, and explained I was, again, in a communal office setting unable to provide identifying and personal information. 

The gentleman asked if I would like to be marked as " Do not contact '' to which I explicitly said " No '' and explained I would be more than willing to provide any necessary information after XXXX to a CBE representative. 

I received no calls after XX/XX/XXXX. I received a notice of " Potentially Negative Activity '' from my bank on XX/XX/XXXX notifying me that the CBE group placed a Major Derogatory on my credit report. I called CBE Group and spoke to an account representative, and she informed me that my account had been marked " Do Not Contact ''. 

I had received XXXX information regarding the alleged debt from the CBE Group and they refused to contact me during times in which I specified I would be willing and able to provide the required personal information to them prior to having my credit report flagged for an outstanding alleged debt. 

When I spoke with the representative on XX/XX/11 around XXXX I requested information be sent to my current address and asked for the major derogatory be removed from my credit report as they had not provided me with any information on the debt, continually contacted me during hours I specified I would not be available, and refused to contact me after XXXX. She explained they would contact the bank and have it removed- which has not been done. 
The major derogatory is still present on my account and negatively affecting my credit, specifically my credit score ( which has historically been very good ) has dropped XXXX points, and has not recovered since the major derogatory was placed on it. 

I have a complete recording of the entire phone call from XX/XX/XXXX and will provide if requested.
Product: Credit reporting or other personal consumer reports

I paid off my Wells Fargo account back in XX/XX/XXXX. The rep on the phone said there will be no more charges to the account. XXXX weeks ago I ran my credit because I am in the process of refinancing a home. When I ran the report I saw that my score dropped tremendously. So I did some research and found out that Wells Fargo put a 30 day and 60 day late payment on my account from the past XXXX and XXXX. They said I owed them {$22.00} in interest. How can you charge interest on a paid off account? I contacted the bank to ask about the {$22.00} and the late payments and it turns out that they've refunded the {$22.00} before I ever contacted. However after a dispute, they are not willing to remove the late payments on my credit report. At any rate, this is now affecting my refinance and my livelihood. This is a predatory move by this bank and if something isn't done about this I will be seeking an attorney as they are violating my consumer rights as well as 15 usc 1666 b and if it doesn't get fixed I will report them to the ftc, attn general and cfpb in addition to this XXXX reporting. 

I am sekking 100 % Payment History because this is hindering my ability to obtain a mortgage.