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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I received a hard inquiry with XXXX on XX/XX/2023 for Barclays Bank Delaware and this was not me. Someone used my information to attempt to apply for a credit card with this bank. I called the Bank on XX/XX/2023 and advised them this was fraud and they notated it are reported it.
Product: Credit card

American Express : - Issue : Two fraudulent accounts were opened in 2022. 
- Violation : Identity Theft - 18 U.S.C. 1028, FCRA - 15 U.S.C. 1681 An Amex Green card, Amex Platinum, and Amex Business were opened fraudulently in my name by XXXX XXXX, a well-known con-artist, that was XXXX XXXX, and many other names while scamming men across the country, which is very normal nowadays.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report. There is inaccurate employment information reporting. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request.
Product: Mortgage

Even though I 'm eligible and can afford it, Kondaur Capital Corporation only offered me an unafforable payment arrangement. I received a letter on   XXXX   XXXX   XXXX     telling me that I was denied a payment arrangement because the payments that they want me to make are " unaffordable ''. They want me to pay my {$33000.00} in arrears over 12 months plus make my regular monthly mortgage payment of {$1400.00} which would total approximately a {$4100.00} monthly payment. I would like to keep my home of 18 years. My loan was originally an FHA loan and after much research, it has come to my attention that  Kondaur  is a  XXXX   XXXX  investment company which means they bought my loan at a discount meaning they can reduce my principle if necessary.
Product: Credit reporting or other personal consumer reports

I have been working with Lexis Nexis since XXXX, XXXX  to dispute a couple items on my file, as of today they are still not resolved however, yesterday I reached out to Lexis Nexis yesterday XX/XX/2023 and was on a recorded line and was told that now I have someone else 's social security number coming up on my account. I spoke with two of the customer service employees at two separate times yesterday on a recorded line in which they both confirmed that I have two socials security numbers on my account. I could see if the issue was in the last four of the SS number but it's the whole SS number. My number begins with ( XXXX ) and the wrong one on my account is ( XXXX ). This is hurting my credit severely. I can not apply for an apartment, am having to stay with family because of this. The person that has the ( XXXX ) SS number has a bankruptcy on their account which is hurting me as well. Also, there is another bankruptcy that is hurting my credit that lexis nexis continues to tell me that they verified it to be in my name but my attorney has sent a letter to lexis nexis explaining that this needs to be DELETED IMMEDIATELY off of my credit report because of the inaccurate information being reported is hurting me. There, I am demanding this be cleaned up ASAP. I do NOT have time to keep waiting 30 days at a time for lexis nexis to keep doing this to me. My entire credit report is a mess at this point. I have worked on this for almost four months. Enough is enough and this needs to be resolved NOW!!! If needed I do have the recorded conversation with lexis nexis explaining that there is in fact an additional SS number on my account that I can send to you. Also, XXXX has sent me a letter explaining that the SS number on my account is not the one they have on my file. As for thr one bankruptcy Lexis Nexis stated on a recorded line that the Co. courts reported a bankruptcy on my account but the court clerk explained that they do not report so again inaccurate information is being reported to my file.
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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

For months my credit usage was not being updated and for months I submitted disputes for further assistance, however the most recent submission caused major issues with all reporting agencies due to negligence. I reported that the balances are incorrect and to please update appropriately. However Experian has somehow deleted my account entirely and now my credit is off by XXXX! XXXX abilities to garner support through their so called customer service number and online support as well. I ultimately called my issuing bank to notate that experian screwed up yet again as they did the same thing ( twice ) with my XXXX store credit card which is now closed due to their negligence as well. This has resulted in myself receiving less than competitive rates via the market and in turn has directly cost me money in the physical sense not to mention the mental distress this has had on myself.
Product: Credit card

I was charged about XXXX from an eyewear store. This was not me. I was not present. I was also charged a large charge on XXXX rental car ( about XXXX ). Again this was not me. 

The credit card company isnt resolving the charges. Instead they have told me I must investigate this myself. 

I am not a detective. I was literally not present at these locations. I have had this card for years with no issues. 

For them to refuse to resolve these charges ( approx {$7000.00} ) and demand that I investigate on my own is not proper for a credit card company that I trust to do the bare minimum in protecting me from obvious fraud. 

I reported fraud last month, canceled the card and was issued a new one and they still accepted fraudulent charges only a few weeks later. 

I can not be expected to go investigate this myself. They say the credit card was present at these transactions. Well maybe someone stole the card from my mailbox? I have no idea - but a huge credit card company ( Capital One ) should not be telling me to do my own investigating. They should refund me and then go about retrieving the funds themselves. They are a XXXX dollar organization. I have work and responsibilities to attend to. They need to give me my money back. 

In the meantime, to add insult to injury theyre charging me interest etc.
Product: Checking or savings account

JP Morgan has put a hold on a check for {$32000.00} deposited to my checking account on Saturday, XXXX XX/XX/2020, or 11 days ago. At a time when a XXXX payment from the same account takes a few seconds to go through and wire transfers are completed in 24 hours, holding a check for over a week and counting, that is written on XXXX XXXX XXXX XXXX, Florida is unfair and abusive. 

I spent over an hour on the phone trying to find out why they will not credit the check to the account. In typical fashion, the local branch in XXXX, NJ where it was deposited had nothing to say about why a hold was put on it while it refused to release the hold. Similarly, someone at a toll free number in Texas also had no explanation and claimed, falsely, that all checks deposited to this account are treated in this manner. Yet it is the only check they have treated in this unjustified manner. Along the way, people refused to fully identify themselves and one in Texas even refused to say who her employer is. It appears that she works for some third party contractor to JP Morgan to monitor fraud. 

For years I have complained to the CFPB that no one services this account. Despite what JP Morgan claims, nothing has changed. Each phone call takes an hour or more, most of which is spent on hold waiting for a person to come on the line ; false claims about what the facts are made habitually by people I talk to ; and problems are never resolved in any reasonable or timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CHANGED THE INFORMATION OF THIS ACCOUNT FOR {$8300.00} AFTER CORRECTING DATA THAT WAS INCORRECT AND VIOLATED MY RIGHTS ONLY TO POST THE INFORMATION THAT IS EVEN MORE INACCURATE. THEY ARE REPORTING THIS CHARGE OFF AS OPEN, ACCRUING INTEREST THUS OVER LIMIT, AND A INCORRECT BALANCE ONLY TO MAXIMIZE THE NEGATIVE IMPACT ON MY CREDIT REPORT. I AM A XXXX XXXX THAT WAS FORCED TO XXXX DUE TO MY XXXX XXXX XXXX XXXX WANTS TO PUNISH ME TO THE MAX OF THEIR ABILITIES. AFTER SUEING ME THEY HAD TO VOLUNTARILY WITHDRAW BECAUSE I HAVE NO TAXABLE INCOME. THIS IS HOW THEY WANT TO GET ME BACK. BY VIOLATING THE FCRA.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and the last four of my social security numer is XXXX. I recently was denied for an apartment. I received my Tenant Screening Report from XXXX and was appalled to find out that XXXX is reporting fraudulent information that do not belong to me. Did you confirm my full identifiable infortmation as in my full social security number, my full date of birth and my personal identification? You must not have because you would not have posted this information in my consumer file. You are reporting 3 evictions under NATIONAL CIVIL COURT RECORDS SEARCH and they are the following : Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXX, Case # : XXXX Plaintiff : XXXX XXXX and Case # : XXXX Plaintiff : XXXX XXXX XXXX XXXXXXXX XXXX. I HAVE NEVER LIVED IN THOSE PLACES. I have attached with this complaint a copy of my FTC Identity Theft Report. The Federal Credit Report Act Under 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report. 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. I have attached with this complaint a copy of FTC Identity Theft Report. Also 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CONSUMER FILE WITHIN 4 DAYS OF RECEIVING MY IDENTITY THEFT REPORT PER FEDERAL LAW. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and one of the FCRA violations I can fie a lawsuit is your Failure to Delete inaccurate information. I have attached a copy of my passport for identification purposes as well.
Product: Payday loan, title loan, or personal loan

see attached debt validation/ bona fide dispute
Product: Credit reporting or other personal consumer reports

These companies violated my rights to privacy and have not showed me proof of the original agreement and has negative items on my credit report. I gave NO permission to or signed any contracts for.
Product: Student loan

I was unemployed for the past 4 months. In that time I was unable to make my monthly payments and called Navient several times to attempt to make some kind of payment arrangement/postponement to avoid my account becoming past due/delinquent. XXXX sympathy and XXXX payment arrangement options were available. I got a job a week ago, called today to make another attempt to bring my account back to current. Spent a total of XXXX mins. on the phone being transferred around!!! Not even waiting, simply being transferred. Only to be told that they ca n't do anything for me this month. I am now working 12-13 hours a day and now have to find a time to call back next month to set up payment arrangements since that is when I will be able to start making payments again. Navient is a Mega corporation -- they ca n't postdate a payment for 2 weeks from now because it 's the wrong month?!! Every other company I have any interaction with does! 

In addition, the reps all have given different and contradicting information every time I call. One rep will tell me I 'm available for this program and not that one, and the next time I call I 'm told I am ( without anything having changed with my financial situation ). Also, one rep told me I could not change my payment dates when I asked to move my due date to the XXXX of each month because the XXXX was too difficult to manage since it 's only two days after paying rent -- today I called, and the rep I spoke to said I could do that no problem. That is a not so minor detail that could have saved me many late payments in the past. These guys are pure evil. They do EVERYTHING to set you up for failure. Not to mention that now my credit score is ruined and I owe $ XXXX then what I originally borrowed just from the interest they are charging me. I do hope karma exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

basically the identy theft people who took over all my accounts took over my credit karma  account and other identity theft accounts i have no accesses to and are in my credit score stuff i need all of it locked down they got my imformation and credit card number
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
XXXX XXXXXXXX XXXX XXXX  XXXX Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXl ) XX/XX/2023 Equifax XXXX XXXX, 2023 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 2023 XXXX XXXX, 2023 XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/2023 XXXX XXXX, 2023 XXXX XXXXXXXX XXXX XXXX XXXX, 2023
Product: Credit reporting or other personal consumer reports

I am requesting you to a full removal of all fraudulent inquiries attach on my account. I did not initiated any of those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 years ago, I got tired of XXXX randomly changing monthly payments without notice. I called them to canceled but they told me that I was already prepaid for the upcoming month ( since they pre-pay the account a month in advance ). I told them to tell me what that date was and to close the account a day prior and I would sent it in their equipment. Few days before the closing date, someone from XXXX called me to incentivize me ( offering a deal ) not to cancel the account. I contemplated but ultimately told them I still wanted to stick with my cancellation. I turned in the equipment a few days later, as we had agreed. But of course, about a month later, I still get a bill as if I never cancelled. I spent almost an entire day on the phone with them and they apologized as they realized that their representative had given me the wrong date AND the other representative had removed my cancellation all together!!! Many hours of being on hold and being transferred to a manager, they acknowledged that they have received the equipment and acknowledged that I couldnt have been using their services and it was their misunderstanding. It was assured that they corrected everything and that if I got another bill, I can ignore it until the system sees the adjustments. So I received a bill once more and nothing after that just like they had said. So I trusted that it was all over with. Almost a year later I got a collections letter!!! I cant remember all the details since that point because Ive called collections and Ive called XXXX multiple times. Each time, they put me on hold for about an hour, tell me Im right but that they need a manager to fix it and by the time the manager comes on, they change the story and say I still owe this amount. Ive spent so much effort and they cant even acknowledge that if its confusing to their own representative over all these years, how can they be sure I owe this amount when they have the notes from when I called to cancel and the equipment was received!! I cant see all that they see to help them understand that I did everything they asked me to!! At this point, my main complaint is that they keep removing the report every 1-2 years and give it to another creditor which reports it as a new delinquent account. If it has to stay on my credit report, can it at least show the factual correct date of the delinquency which is around 6 years old and not just 1-2 years old?? Is this even legal to change the dates to appear as a new delinquent account?
Product: Credit card

o Whom It May Concern, I am submitting this formal complaint against Barclays for their refusal to open a billing dispute regarding a charge of {$810.00} from XXXX XXXX, citing an arbitrary and unreasonable submission deadline of 10 days. This refusal is in direct violation of Regulation Z of the Truth in Lending Act ( TILA ) ( 12 CFR 1026.13 ), which grants consumers 60 days from the statement date to dispute a charge. 

Despite my multiple attempts to contact XXXX XXXX regarding this unauthorized or improper charge, the merchant has failed to respond or provide resolution. As my card issuer, Barclays has a legal obligation to investigate my dispute in good faith and can not impose policies that unlawfully restrict my rights under federal law. 

I demand that Barclays immediately open a dispute investigation into this charge and comply with its obligations under TILA. Their failure to do so constitutes unfair and deceptive practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). If this matter is not promptly addressed, I will have no choice but to escalate my complaint to the Office of the Comptroller of the Currency ( OCC ) and consider legal remedies available to me.

I expect a written response acknowledging this complaint and outlining the steps Barclays will take to resolve this matter. Please consider this my formal request for regulatory intervention.
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXXXXXX XXXX XXXXXXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.