23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C. 1681 of the Fair Credit Reporting Act. 

Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX. XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records by 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 reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

There were 9 Charges from " XXXX XXXX '' on XXXX XXXX of them were declined due to potential fraud and 6 were approved. The approved Charges were for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I reported these charges as fraudulent the next day, as I did not use this card at this merchant, nor did I spend this amount at this merchant. The merchant got ahold of my CC and my XXXX without my permission and charged over {$2500.00} across XXXX different credit cards without my permission. All other banks involved noticed this and denied and/or cancelled all transactions. My Robinhood Gold Card responded that all charges were valid since the physical CC can not be counterfeited, so if the card was charged they had to have been approved by me. I explained they somehow got into my wallet and charged multiple credit cards without my permission, and these charges were fraud. All charges were charged within XXXX minute of each other. 

There is no phone number for the Robinhood Gold Credit Card, only email correspondence through their app. I asked them to perform a chargeback request to the merchant and asked what information they received from the merchant to prove the charges were valid, but they declined to provide any information. I did not sign for or approve any of these charges, and don't event know what they are claiming I purchased for roughly {$1000.00} on this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I filed with Experian credit Report disputing alot of errors, and 1 account never was not opened by me one account is current ( XXXX XXXX XXXX ), and one collection that was also not opened by me. They said they would investagate these accounts ( XXXX XXXX Credit Card ) ( XXXX XXXX University ) and, a collection with XXXX XXXX XXXX company. All these accounts I never opened, or owe any money to. I also filed with XXXX and, XXXX about a month those two credit companys did there investgation and, found during there investgation in fact I never opened and, of the accounts above. Experian credit report company waited about three hours and, sent me a email the same day I disputed today XX/XX/18 saying they where not changing anything and my credit report was updated. Ok so are you going to investagate this in one day normally its takes up to 30 days experian did not do any type of investagation and, is damaging my credit by not removing fraud accounts. They other companys did remove them from my credit reports. This is against the ftc and, that is why I am filling not only a compaint here but, also with BBB.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report. The inquiry is listed isn't made by me. However, I have no association with this creditor and did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

The accuracy of information associated with my credit report. The account in question is listed below, and despite a previous investigation, it continues to appear on my report with inaccuracies that are significantly damaging my credit score. I request that this item be re-investigated immediately. 

**Account Name : ** XXXX XXXXXXXX XXXX XXXXAccount Number : ** XXXX **Dates of Alleged Late Payments : ** XX/XX/year> It is reported that this account is 60 days past due, which is inaccurate as I have consistently made my payments on time. The persistence of such inaccuracies is concerning and must be corrected. 
In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I request the names and business addresses of each individual with whom you verified the information regarding this account. This will allow me to follow up on this matter directly. 

Additionally, please send me an updated copy of my credit report once your re-investigation is complete. 

I have attached a screenshot to support my claim. Thank you for your prompt attention to this matter. I look forward to your swift response. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report accurate and complete information.
Product: Checking or savings account

Spoke with Bank of America on XX/XX/year> regarding unauthorized charges to my bank account from XXXX going back 78 days ( per BofA 's regulatory requirement ) There were 5 of them. Was credited for 4 of them. Bank of America says they can't credit back the XXXX one on XX/XX/year>, because it was already credited to me. Obviously it was not. They supposedly put a block on my account to prevent any more charges from XXXX. Based on my interactions with their service people over the phone and their inability to find any record of my calls, I am not sure this has actually been done.
Product: Mortgage

Bank of America ( BOA ) Home Mortgage - Due to a computer glitch BOA took 2 payments out of my non-BOA checking account on XX/XX/XXXX for my XXXX house payment. BOA has acknowledged there have been computer issues. I called BOA and they told me dispute one of the charges so I did. Instead of applying one of the payments to my mortgage payment it was applied to principle abatement. I've called multiple times to get my payment applied to my XXXX mortgage instead of principle abatement. I've spent approximately 15 hours on hold/talking to BOA to correct this to no avail. My payment is there, BOA needs to apply it correctly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXX XXXX XXXX. Account number : XXXX Balance : {$170.00} XXXX Account number : XXXX XXXX : {$540.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Finance Protection Bureau XXXX XXXX XXXX State Of Michigan Attorney General Consumer Protection XXXX XXXX XXXX XXXX, MI XXXX Plaza Services , LLC has XXXX Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099 B. 
Also, Plaza Services , LLC Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies on my credit report as a means of intimidation. 
They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, anxiety, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to extort money from me. 
The account needs to be deleted from all three agencies now. 

XXXX XXXX XXXX, XXXX. 
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ENC : XXXX proof
Product: Mortgage

I am complaining about SPS because I sent in a RMA form for a loan modification in XX/XX/2019 and they refused to send me a loan modification package. They refused to give me a package and told me they were going to call XXXX XXXX and put my house in foreclosure on XX/XX/2019. SPS is committing dual tracking and I want them to give me a loan modification as soon as possible. They must follow government guidelines. I have an attorney.
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. 

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

Dear XXXX, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the state of Florida. 

It has come to my attention that XXXX does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter 559 Part VI and RULE 69V-180, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, XXXX has continued its attempts to collect a debt from me for the last four years XX/XX/2020. This conduct is not only in violation of Florida law but also a breach of my rights as a consumer. 

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that XXXX ceases its unauthorized activities. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both XXXX and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of XXXX in the state of Florida. If XXXX can not provide a valid license number, I urge you to take immediate action to rectify this situation. 

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.
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 ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.
Product: Debt collection

Consumer Collection XXXX XXXX XXXX XXXX This debt collector engaged in abusive, deceptive, and unfair threatening practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm Entitled to {$1000.00} dollars per violation and clearly they violated my rights.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

{$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX   CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Product: Credit card

I have XXXX ( XXXX ) credit cards from Capital One Bank. I attempted recently to combine my cards and Capital One denied me with good cause as according to there website, I did not qualify. 
I worked very hard for over a month to meet the requirements. I attempted again meeting the announced requirements and yet again, I was denied. The requirements listed were : " XXXX of my cards must be in good standing, XXXX of my cards must be at a XXXX ( XXXX ) balance, both of my cards must be linked to online banking, and neither XXXX of my cards should have pending transactions ''. I called the bank and was told they could not tell me why I was denied because I met all the requirements. I also filed against the bank VIA XXXX. I received the same response from the bank VIA the " XXXX '' as I did from the customer service reps. All I want to do is combine my cards to make it easier for me to manage my credit and pay my bills. If this is not possible and the account combination is a hoax, it is not funny and it should be taken down.
Product: Credit reporting or other personal consumer reports

As you know I am a victim of Equifax Data Breach and they illegally sold and bought my information and my identity was stolen. It is under investigation with CFPB, XXXX XXXX XXXX XXXX, and Ohio Attorney Generals Office. Even though it is under XXXX investigation XXXX XXXX illegally sued me and cost me lots of time, headache, and money. They dismissed the case voluntarily on XX/XX/year>. I want this account removed from my credit completely and if it is illegal to sue someone while the account is under investigation I wish to press charges and to be compensated.
Product: Credit card or prepaid card

I was making normal purchases on my new AA Citi Platinum ; in the same week that I received my card. A purchase from XXXX for {$54.00} got flagged as fraud and I immediately called them. I was asked to verify my account through my secret word and phone number. They told me my phone number could not be verified. They asked for a landline ( Ive never had one ). This is the only phone number attached to my account. They then asked for my companys phone number. I work for a global company headquartered in XXXX with no available number. They said there was no other way to verify and I would have to wait up to 10 days for them to send me a letter, for a {$54.00} charge. I spoke to two people asking if there were other ways to verify and they told me no. Extremely frustrating that I wait over 2 weeks for a card to come, and after 2 days it gets shut off with XXXX warning for another 10 days! There has to be another way to verify!!
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a call from a person/persons claiming to represent CashApp and telling me in no uncertain terms that someone was trying to access my account and take numerous different amounts of cash from three locations. I have never had a problem with CashApp as far as my account being accessed fraudulently. So of course I listened to the ways I could prevent theses unknown people from taking my money. After about 10 minutes into the conversation while I was following instructions the agent/ or whomever asked me to transfer money from my other Account that was also connected to my Cashapp account, that's what made me think and I said to myself let me check my account and at that time my account was at XXXX. I was hacked and didn't realize it because of the trust I had in CashApp to keep my account secure. I reached out to cashapp filed the necessary complaints and followed their email instructions to file the complaint and they were quick to deny my request to pay my money back. I also reached out to my bank which is XXXX XXXX to file a complaint they would not allow me to file a complaint there response was they don't give money back that was taken from a Third Party bank such as CashApp.
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a complaint about incorrect information being reported on my credit report. its been well over 30days and i have not received any information about the results or status of an investigation.
Product: Debt collection

EXPERIAN IS REPORTING THIS FRAUDULENT ACCOUNT XXXX XXXX XXXX {$690.00} This is a fraudulent account. I have had any business with this company. I have called this company multiple times. You can never get in contact or get them to answer.