23daVinci/CFPB_Complaints huggingface dataset:
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 Accounts listed : XXXX 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, 15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Product: Debt collection

This. company Helvey & Assc appears on my credit report for {$55.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Product: Checking or savings account

My bank account was flagged for suspicious activity. Was told to call in to verify so I did. I was then told it would take 3 days for the review for restriction to be lifted. Days go by call back in because no return call. I then get told multiple different answers from different people and to expect a call. Still same thing no call. My issue is not being handled and they are holding my money. This issue needs to be resolved
Product: Money transfer, virtual currency, or money service

There have been multiple charges to my cashapp account, and XXXX XXXX XXXX XXXX XXXX Ive reported these as fraud via phone, in app messaging and e-mail. I have replaced my card twice and nothing has halted.
Product: Money transfer, virtual currency, or money service

I requested international wire transfer of {$30000.00} on XX/XX/2021 with Discover bank but the bank has wired the money into a wrong account and has not been able to retrieve or provide update on the recall status to date except telling me to wait and " I am not able to give you any information at this time. Call us back on XX/XX/XXXX if you don't see the money credited back to your account '' by the bank manager. The bank has not taken appropriate professional responsibility or discussed with me about any plan and refused to discuss a follow up plan with me. I have called Discover bank daily, discussed the status with the associate whom has been on the case, and followed up or provided the information from the beneficiary bank as the associate at Discover bank requested but, to date, Discover bank has not been able to officially provide me any update or status of where the money is and when the money will be credited back to my account.
Product: Debt collection

On XX/XX/XXXX, XXXX from Account Brokers contacted me after I moved to Iowa and informed me of a bill regarding XXXX, and she was very rude, which I do have recorded stated that there is a judgement against me and stated that she has put a warrant out for my arrest. She put me in tears before she hung up. I do have this call recorded. 
Today XX/XX/XXXX, I have n't heard from this lady in a long time. She contacted my job and tried to be so sweet, I informed her not to contact me at work and she stated I thought you were moving back to Colorado, I said I never said I was moving back to Colorado and she stated yes you told me that when I last spoke to you back in XXXX, I said no, and she argued that for a minute and I said I do remember talking to you and you were very rude to me, so goes " are you kidding me! '' I said yes you were, she then proceeded to state that I do have another account for XXXX and how would l like to take care of it. Said I cant make payment today and will contact her in two weeks. She started getting very rude and I said I am sorry, but I am at work and will call in two weeks, I asked her to email me the information so I could look at it and she stated NO, I can not and will not do that. I said then I will call you in two weeks and speak to a supervisor and I hung up on her.
Product: Credit card

Constantly being called about fictitious amounts on a credit card that was supposedly canceled years ago. I have no clue why there would be a charge, I cant verify what any charge would be from, and I cant verify who exactly is calling me. The last call received was from XXXX
Product: Debt collection

Based on verification records from the XXXX XXXX XXXX XXXX, it has been determined that Professional Debt Mediation , Inc. ( XXXX XXXX XXXX XXXX ) is not licensed, registered, or authorized to conduct business in the State of New York ( NYS ). This constitutes a violation of NYS General Business Law, which is enforced by the New York Department of Financial Services ( DFS ).

I have been residing in New York State during the time period in question that Professional Debt Mediation , Inc. claims the debt was incurred.

Additionally, Professional Debt Mediation , Inc. is not licensed, registered, or authorized to conduct business in the State of Nevada, where they claim the debt originated, which certainly does not belong to me during the time period in question.

The unlawful actions of Professional Debt Mediation , Inc. have adversely affected my credit score and financial stability, making it challenging for me to access credit or loans at reasonable rates and meet my financial obligations. Under the law, I am entitled to {$1000.00} in damages plus attorney fees due to their negligence.

As a resident of New York State, I am aware of my rights, and therefore, I demand that Professional Debt Mediation , Inc. cease and desist all collection activities and remove their erroneous collection entry from my XXXX credit reports and all other credit reporting agencies. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation into this matter. Thank you for your attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stipulates that the credit card company noted my credit card was over the limit by XXXX. First off, no transaction should go through if I had a limit ; that's on them! Secondary, they reported this 3 weeks before the next billing statement oppose to contacting me or cancelling the actual transaction. I've had this card for nearly 12 years, never late and they contacted the credit reporting agency prior to the due date of the next statement. I am outraged! This is not the first credit card to do this and it won't be the last because any credit card company will continue to do the same after viewing my credit report. Furthermore, I know the credit cards have increased their interest charges and this notation on my credit report will only lead to the other companies raising my interest rates, denying me any future credit cards as well as lowering my credit score. I've had Amex lower my XXXX XXXX XXXX credit limit to XXXX and they imposed 2 separate interest rate fees for the same balance on the billing statement while raising my interest from XXXX to XXXX percent. I received no notice whatsoever and while demanding that they forward the statements to me, it took 8 months to do so when I told them I would contact you. They did this in a sneaky way considering everyone has gone paperless in todays world. I have never been late with any of my credit card companies, I have a great standing on my report with all credit card companies being paid on time, never late and they had the audacity to imposed limitations on me and try to destroy my credit. Because of this nonsense I am now a target for anyone who reviews my credit report. It will become discriminatory! They have scarred my name and any time I will need to apply for any card or loan I will be the subject of a review. 
This needs to be resolved immediately because I am not the only one going through this. I've had 2 other credit card companies lower my credit limit while raising my interest rates and imposing a " over the credit limit on my report '' without having any knowledge of such. I wasn't informed! This is an obstruction of XXXX and they should be reprimanded and fined. They are all following the same pattern because they are getting away with it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint from XXXX XXXX against the US Department of Education and Nelnet for their failure to remove duplicate items from the credit report. As of date, one student loan dept is being reported as two line items on XXXX XXXX 's credit report -- '' Department of Ed/Nelnet '' and " US Department of Education. '' Despite multiple attempts to request removal, both from XXXX directly and the bureaus, both parties are still reporting the same debt, which is significantly impacting his credit score and interest rate on his vehicle.
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 has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Santander to validate this fraudulent loan. They responded with my name, address, and contract that I am disputing as well. I have attached the response here. Per 15 USC 1692g ( 3 ) ( 4 ) ( 5 ) Santander has not supplied. Furthermore, I disputed this account with an affidavit. Santander 's response was not an affidavit. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. See Croup v Finletter, 108 F. Santander has violated numerous 15 USC 1692 codes. They go by multiple names which is misleading.15 USC 1692e ( 2 ) ( A ) Also, all debts in contract are shown in the positive, which is very confusing. I have learned that the security interest that they speak of has already been paid for by me the consumer as the original creditor 15 USC 1601. They have violated 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mail. All of their mail has a logo on it, outside of the name and mailing address. 15 USC 1692h no payments made to the debt collector may be applied to any debt which is disputed by the consumer, and shall apply such payment in accordance with the consumer 's direction. I have asked Santander to pay me by check for the multiple violations, and payments made that I have disputed. Furthermore, they have violated 15 USC 1692j by furnishing their name on all documents as the original creditor. Including on my credit reports.

The affidavit of Truth was unrefuted so it stands as truth. Please remove this account from all credit bureaus and pay the invoice attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXXXXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate credit reporting practices that have adversely affected my financial standing. 

Upon reviewing my credit report, which I obtained from capital one XXXX XXXXl I discovered several inaccuracies that are impacting my creditworthiness. These inaccuracies include such as accounts that are not mine, incorrect account statuses, etc. 

I have attempted to rectify these errors by disputing the inaccurate information directly with the credit bureau, as mandated by the Fair Credit Reporting Act ( FCRA ). However, despite my efforts, the inaccuracies persist, causing undue hardship and frustration. 

As a consumer protected under the FCRA, I am entitled to fair and accurate credit reporting. I believe that the practices of [ Credit Bureau XXXX ] violate the provisions set forth in the FCRA, specifically Sections 611 and 615, which require credit reporting agencies to conduct a reasonable investigation upon receiving a dispute and to promptly correct any inaccuracies. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that capital one XXXX federal complies with federal regulations governing credit reporting.
Product: Credit card or prepaid card

I applied for and was given an Apple Card from Goldman Sachs. Upon trying to use the card, I was informed that I could not use the card unless I had an XXXX, which I don't. My understanding is that a service provider can not force a user to subscribe to one service as a condition of receiving another service. As such, I believe that Apple and Goldman Sachs should have their practices adjusted and rectified. Thank you.
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 : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX for inaccurately reporting my closed checking account to the credit bureaus. This account, which was closed due to an overdraft, has been incorrectly reported with a payment history, including multiple " charge-off '' entries. It is crucial to note that checking accounts are not extensions of credit and therefore do not, and should not, have payment histories associated with them. A copy of my credit report is provided. 

Details : Checking Account Date Opened : XX/XX/XXXX Balance Reported : {$460.00} Balance Updated : XX/XX/XXXX Credit Reported as : " CO '' ( Charge-Off ) for XXXX through XX/XX/XXXX Violations : This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) : This provision mandates that furnishers of information to consumer reporting agencies report accurate information. Reporting a payment history on a checking accountan account type that inherently does not involve credit or paymentsis a clear violation of this requirement. 

15 U.S.C. 1681n : Under this statute, I am entitled to statutory damages of {$1000.00} for willful noncompliance with the FCRA.
Product: Vehicle loan or lease

I believe the past due balance and last payment are not correct. 
1-TFS Account history document and deficiency document show different numbers, The balance, vehicle sale and all numbers dont much. which numbers are correct? 
Account history document : the Loan balance in XXXX, Vehicle sale {$12000.00}, Past due balance {$3400.00} Deficiency document shows : the Loan balance in XXXX, Vehicle sale {$13000.00}, Past due balance {$3700.00}. 
I am requesting that you send me an explanation of the methods used, and a description of the records reviewed. 
2-XXXX My last payment was for the month XX/XX/XXXXas shows on the account history document also on right side showsXX/XX/XXXX ( 30 DPD ). Refund from Gap insurance isnt a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter to Equifax. Also, the companies that are erroneously reporting are not listed in the inquiry list, nor in the creditor 's contact information at the bottom of my reports. This is further proof that these accounts are NOT mine, and appear to be those of " XXXX XXXX ''.
Product: Mortgage

I refinanced our home with another lender. On XXXX the mortgage was payed off in full. On XX/XX/2020 I was charged a private mortgage insurance payment. After the full balance was paid I was charged Two more P.M.I. payments on XX/XX/2020 on a XXXX  balance loan. I contacted the mortgage company Wells Fargo to complain about being charged for the P.M.I on a XXXX  balance loan. See the attached response. Wells Fargo representatives told me that payments to P.M.I are made in rears. So I owed them the money. Now they are saying that because my mortgage was paid off on the first day of the month I owe for the whole month on a mortgage that has a XXXX  balance and would not require insurance. See attached letter from Wells Fargo.
Product: Payday loan

i got a call at my work yesterday evening XX/XX/XXXX ad the caller said they were from advantage services saying I owed a payday loan fromXX/XX/XXXX I have n't had any and the said it was from XX/XX/XXXX when I ask for documentation to be sent to me they caller got ugly and so I hung up in her face. then she called back. I refused the call and told our operater not to accept any more calls like that. they threated charges and court. they were very ugly. I have not had a pay day loan they have they last numbers of my social security number. I do n't know how they got it but they do.
Product: Mortgage

Mr Cooper ( Nationstar Mortgage ) misreported my credit info to bureau as a foreclosure on my HARP modification. I have called and emailed them multiple times. They have same response every time, we are working on it ... ... Issue haven't been resolved since three months.