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

I received my credit report on XX/XX/year>2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting

XXXX acct # XXXX XXXX Is reporting in my credit report Transunion and XXXX wrongly and is in violation and defamation of my credit right, Please have this account removed immediatly .This account was settle and paid off by me ( XXXX XXXX ) in the amount {$700.00} total in a monthly court agreedment for a $ XXXX monthly until account paid off, i have all documents to proved it.
Product: Debt collection

I noticed this account on my credit reports a few years ago after not checking them for a long time .I have disputed this account multiple times. I have never received any communication from this company. Not a letter a phone call or anything. They report this account on my credit reports after many disputes. Report different amounts owed etc.
Product: Debt collection

Previously filed a complaint with you regarding Capital One fraud attenmpt to collect {$7600.00} in fraudulent cash transfer claim. Referfernce CFPB # XXXX. 

I thought you had resolved this attempted action to tap my checking account for over {$7600.00}. Capital One issue me a new credit card in responds to my filing a complaint with you. I thought this card was cleared of the fraudulent transactions, only to find they flipped all the fraudulent transactions on to this card. they used this cards number to access my XXXX XXXX checking account for a payment in XX/XX/2023. XXXX XXXX took this payment back. They again went into my checking account in XX/XX/2023 using a Walmart " Merchant '' number and took out more money, which XXXX XXXX took back. 
XXXX XXXX advised me to close the checking account I've had for over 20 years as they can not stop Capital One from using the " Walmart Merchant '' numbers to access my account, as they have thousands of them. 

XXXX XXXX continued to harass me by posting false claims regarding this issue on every Credit Bureau service. Destroying my credit rating, that before Capital One attempts at Bank Robbery was over XXXX, and now in in the low XXXX. 

To add further harassment, they have turned over this fraudulent claim to a collection bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I am XXXX, sick and need your help!!! Please Stop Capital One NOW! They shouldn't even be allowed in this country! They obviously are breaking the law in attacking my bank account and credit report repeatedly. XXXX XXXX has never received a cash transfer from Capital One to my checking account. For ANY amount. Not {$5200.00}, Nor {$2400.00}. These amounts were NEVER posted to my XXXX XXXX accounts!!!!!! AS I reported to you previously. 

Also do something about them ruining my credit. Is this against the law? It should be.
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX Tx XXXX my phone number is XXXX my Email address XXXX I get scam through coin base wallet app some one there is mining Pool call XXXX ( XXXX XXXX ) chain Invested almost XXXX XXXXDear user, Due to your cancellation of connection to the XXXX XXXX XXXX Therefore, the release of funds could not be completed. However, XXXX XXXX can exceptionally refund your invested principal amount of XXXX XXXX. But they get steeling other XXXX from me under the Name Of The IRS to pay taxes for me and that message comes from themDear user, I am checking for you, please wait a moment # XXXX XXXX XXXX IRS Official Tax Notice Hello, dear user Your account was not taxed and now it has been verified for you that the total amount of your withdrawals is XXXX XXXX You have reached the taxable amount and your Defi account is subject to 30 % tax. 
Please remit the tax to the currency wallet address of XXXX XXXX regulated by the XXXX XXXX XXXX XXXX XXXX before XXXX EST on XX/XX/year>. 
The amount of the tax. XXXX XXXX  If you do not pay the tax in time, your XXXX XXXX will be affected, a late fee of XXXX XXXX  of the total amount of your account will be charged every day, and you will be held legally liable for tax evasion. 
Tax address XXXX XXXX XXXX XXXX After paying the tax, please submit the payment details to the online customer and after I pay them they asked for more money in that message our withdrawal has been completed and XXXX XXXX has reached your wallet. 
As the withdrawal amount exceeds XXXX XXXX, the blockchain has frozen your funds as a backup, if you want to unfreeze it, you need to pay XXXX XXXX of the funds as a guarantee, the total amount is : XXXX XXXX 
Payment addressXXXX Please complete the payment before XXXX EST on XX/XX/year>, and the payment will be verified and unfrozen afterwards. Once the time has passed, the funds will not be unfrozen and you will be blacklisted as a defaulter by all banks and credit institutions and handed over to federal investigative agencies. 
Please read the above notice in detail to avoid unnecessary misunderstandings Thank you for your and until now I didnt get anything from please I need your help and stopped theses people stealing money Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, your categories did not cover my complaint. So it is actually none of the above I just chose ANYTHING to get to the next page. You guys need a category that is called customer service complaint. There is no way to talk to a real person at Experian despite the seven different phone numbers that they ostensibly provide to '' contact customer service '' it doesn't matter what you do you are dragged to the same rat Maze and given only two measly choices one is putting a fraud alert on and one is ordering your car there are no options to talk to an agent AT ALL!! Experian has something on my credit report about me that says my social security number was used with an old address of mine and when I read who the inquiry was it was something I did not understand and that I needed Experian to translate since the title of the inquiry was some initial, XXXX a couple of other words, and then the word experian ... despite two hours of searching on the internet and everything I could find the same 800 numbers for Experian from their website telling me to reach out to them through XXXX or XXXX or some other kind of nonsense. They need an 800 number that actually works, that one of the options is to talk to an agent. That they have so much of my personal information and they're getting paid to do a job and with no way of anyone to actually speak to them.
Product: Credit card

This is my XXXX complaint for a similar issue. This XXXX incident has resulted in me beginning procedures to close all of my BOA accounts, not just my credit card. On XXXX XXXX I had great difficulty ordering a product on-line using my BOA credit card. After several failed attempts to pay with my card I called BOA. They told me that their fraud detection capabilities flagged my card and they would need to validate my attempted purchase before allowing it to go through. I was shocked, since I was actually using BOAs 'ShopSafe ' capability which should clearly indicate to even the most primitive software that it could not be fraudulent activity. Also disturbing, was that after each attempt to authorize payment I would receive an alert on my mobile device indicating a successful payment. After working with customer service we were able to authorize the purchase. I was actually able to see the purchase as a pending transaction on the BOA website. Unfortunately, after nearly XXXX, the pending status never changed, and there was no shipment notification from the merchant. I actually called the merchant inquiring as to why they were not shipping my item. They informed me that they have been trying to finalize the authorization with BOA, but failed each time. On XXXX XXXX I set up a conference call with BOA and the merchant. We tried repeatedly to remove the totally erroneous 'fraud detection block ' but to no avail. During these attempts, the pending status of my earlier attempt disappeared! In the end, I needed to hang up with the BOA associate and complete my purchase with an American Express card. The associate on the phone indicated that because I bought a juice in XXXX during the morning, but was attempting to make a web purchase with a company in Minnesota in the afternoon, I likely caused a fraud alert to lock my card! 
There are XXXX upsetting aspects to this : The XXXX is that BOAs credit card software is disjointed, primitive, and functional only if all variables and circumstances are pristine. Even the slightest digression from a normal credit card event ( like an XXXX resident buying a juice in the morning and then using the internet to order an item out of state ) causes their systems to fail. XXXX, none ( none! ) of the other credit cards I own have ever cancelled themselves without notice ( my previous complaint to cfpb ) or blocked my card so thoroughly that even the issuing agency could not unlock it! This indicates that BOA has chosen to allow the client experience to suffer immeasurably rather than absorb unfortunate, but normal losses from credit card fraud. I can not be the only customer being inconvenienced. The thought of being overseas on vacation, or in an emergency situation and dependent on my BOA credit card is now a situation I must mitigate immediately by ending my relationship with BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is without a doubt one of the most unscrupulous ones out there. I have constant issues with them especially with regards to them failing to apply payments, changing due dates, adjusting available credit weeks after payments already cleared.

I was enrolled in 3 different programs for covid been there for 8 years never late and i paid as well based on their directives and they reported me late for XXXX and XX/XX/2020. Never been late in 8 years didnt start now. 

Just because they repeatedly lie about it i started screenshots of everything nightly. They are now saying i didnt make a payment before XX/XX/XXXX which you clearly see attached i made the payments and more and they fraudulently added on a late fee yet again. They also have yet to refund a cancelled transaction from XX/XX/2020 which is just how they are - beware
Product: Debt collection

Paid off balance credit line remains on my credit report WELLS FARGO Last reported XX/XX/XXXX Date opened XXXX XXXX ( XXXX yrs XXXX mos )
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing in response to the recent dispute response I received from Experian regarding my submitted dispute on XX/XX/2023, through the CFPB Complaint Portal. While I appreciate your efforts in reviewing my dispute, I would like to express my disagreement with the findings of the reinvestigation. I would like to address the following points : XXXX. Validation of Accounts : In my initial dispute, I specifically requested a validation of accounts, not a verification. However, I have not received any documentation or information from the companies you contacted regarding the validation process. Additionally, I would appreciate if you could provide me with the names, contact information, and the date and time of contact with the companies you reached out to. 

XXXX. Dispute Guidelines : Contrary to your response, I did not dispute the accuracy of the information under the FCRA guidelines. Instead, I disputed the information based on the guidelines outlined by the FDCPA and XXXX XXXXXXXX XXXX. I believe that XXXX XXXX is in violation of FDCPA XXXX, XXXX, and XXXX. Furthermore, the XXXX XXXX  account was sold and transferred to XXXX XXXX XXXX, who is currently pretending to be XXXX XXXX. This raises concerns about coercive and deceitful practices by both Experian, XXXX XXXX XXXX, and XXXX XXXX. 

XXXX. Request for Enforcement : I strongly urge the Consumer Financial Protection Bureau ( CFPB ) to enforce the guidelines set forth by the FDCPA and ensure that the necessary actions are taken to address the violations committed by XXXX  XXXX, XXXX XXXX XXXX, and Experian. It is crucial that these deceptive practices are put to an end to protect consumers ' rights and maintain the integrity of the credit reporting system. 

In light of the above points, I kindly request that you review my dispute once again, taking into account the FDCPA guidelines and the violations I have outlined. I would appreciate a thorough investigation into the inaccuracies and fraudulent items on my credit report, as well as the actions of the data furnishers involved. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution of my dispute. Please keep me informed of any updates or additional information required.
Product: Credit card

I called today to ask for the first statement after the card was opened with the address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THIS LATEPAYMENT ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$240.00} DPTEDXXXX {$4200.00} XXXX {$5000.00} XXXX {$4200.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the inclusion of certain information in my consumer report maintained by your agency. Pursuant to the Family Educational Rights and Privacy Act ( FERPA ), 20 USC 1232g ( b ), I request the immediate removal of the following account from my consumer report due to its violation of my privacy rights regarding student education records : Account Information : Account Number : XXXX Date of Entry : XX/XX/2018 Description of Account : DEPT OF ED/XXXX As per FERPA regulations, student education records are protected from disclosure without the consent of the student or their legal guardian. The account in question directly pertains to my educational history and therefore falls under the purview of FERPA. I have not provided authorization for this information to be included in my consumer report, nor has the educational institution involved obtained my consent for such disclosure. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

I kindly request that your agency take immediate action to investigate this matter and remove the mentioned account from my consumer report in compliance with FERPA regulations within 14 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull ; ed my credit report today and I see a bunch of credit inquiries on my credit report that looks fraudulent because I did not make them and I did not authorize anyone to pull my credit report. Please review the following inquiries for identity theft : Someone did all of these on XX/XX/2021 : XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXXXXXX XX/XX/2021 Equifax Soimeone did all of these on XX/XX/2021 : XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX- XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax Someone did all of these on XX/XX/2021 : XXXX  - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over 2 yrs. ago a suspicious account appeared on my credit report from a collection agency, known as Enhanced Recovery. In the space listed as original creditor, it specified that it was a XXXX account. Well aware that I have never had an account through them because I have always had XXXX  XXXX and before them was XXXX XXXX, I disputed this information and it was determined that it was not mine and was erased from my credit report back in XXXX. Also, I had never received any calls, mail, or notifications from neither XXXX or this agency regarding this supposed debt, which I found to be extremely unusual. Now, as of about 5 months ago I received my monthly credit updates from my XXXX & had noticed my score had decreased & there was a new account placed on my credit file. When I logged into my account, to my surprise, I saw that it was this same collection agency referred to as Enhanced Recovery, however I noticed something was different this time. This agency had decided to fraudulently violate the Fair Credit Reporting Act by illegally re-aging this supposed account, thus stating that it was opened in XXXX, so it could place this debt back on my credit report to lengthen it's collection efforts & intentionally hurt my credit, along with my score. Also, still to this very day, I have yet to receive any communication about this debt from anyone!!!! I find it extremely unnerving that this agency has been allowed to get away with commiting so many frivolous acts. We as individuals have rights, & if the necessary steps are not taken by this company to correct their unfair practices & start obeying the law, then maybe major lawsuit against them is the next best thing to make sure that they are held liable for their actions.
Product: Debt collection

Failed to implement adequate procedures to ensure the highest level of accuracy in the credit reports you publish. According to credit reporting laws, it is essential that bureaus only report credit information that is 100 % accurate, and all necessary measures should be taken to guarantee the complete accuracy and correctness of the reported information. 


Under 15 U.S.C. 1681i Paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. 

XXXX XXXX FAILURE TO VALIDATE AND INVESTIGATE, PLEASE DELETE IMMEDIATELY
Product: Debt collection

The company constantly has robocalls calling from several different numbers. If I schedule a payment, they still continue to robocall. I talk to a rep and they tell me they ca n't see the online payments so they continue to call. They also robocall my job. If I do n't answer, they will email. If I respond back to the email, they tell me they are n't allowed to correspond by email. They set payments up biweekly instead of monthly. So if you miss a 2 week payment, they call and tell you you 're in default. Each message tells me they can help me find options, but whenever I try to get help, they tell me that there are no options available. I paid my loan faithfully every two weeks via direct withdrawal from my checking account. When I started having problems, I called and asked for help, they told me I did n't qualify. Now I 'm supposedly 60 days behind and they STILL tell me I do n't qualify for assistance. Even having one month moved to the back of my loan would help me catch up.