23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.
Product: Credit reporting or other personal consumer reports

I sent multiple requests to delete this profile due to the age of the debt being more than7 years old. Due FRCA any debt over & years must be removed. A account XXXX with account number XXXX was opened 7 years ago. Even more this account is not reporting correct information for credit history .It is only reporting Collections and not when i paid on time. I am entitled to {$1000.00} per violation. Due to XXXX being sued for CFPB XX/XX/year>. I insist to conduct an investigation as required by FCRA law. Do not accept the finding of furnishers who do not provide results of their investigation which i will ask you to provide to me via mail. Delete or correct the disputed information within the timeline provided by law.
Product: Checking or savings account

I received an email last night at XXXXXXXX XXXX that Capital One is having technical issues with their provider that is affecting direct deposits and early deposit credits. The email specifically stated that they are working on the issue and it should be resolved through the night and fully resolved by Friday morning. it is ( Friday ) XX/XX/year>, XXXX XXXX and I still have yet to receive my paycheck or any answers as to whats going on. Capital One is not being transparent. And I havent received an update since. The customer service lines are flooded and I cant get in contact with anybody the people at the branch dont know whats going on. Everybody is in the dark and I cant get my money.
Product: Credit card or prepaid card

I applied for a Discover credit card that was offering no interest for 21 months, I found the offer on the computer and called the company over the phone and talked to their representative, and went ahead with the offer this was in XX/XX/XXXX, and I should have had zero percent interest till XX/XX/XXXX, now I get my statement and they are charging 23 % after 6 months, I called them XX/XX/XXXX and they now claim I did n't read the fine print about the zero percent was only for transfers and that purchases are to be charged interest after 6 months, THIS IS CLEAR BAIT AND SWITCH, and was not what I was told on the phone when I got the card. How can you let them get away with this??? 
Their must be others they done this to and do I have any recourse as I can not pay this off as I am XXXX and on a fixed income and now STUCK with this high interest rate. 

YOUR HELP WOULD BE GREATLY APRECIATED XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As the CFPB already knows EQUIFAX has been found guilty of furnishing incorrect data on our consumer reports, especially credit scores. EQUIFAX has furnished XXXX XXXXXXXX an incorrect credit score of XXXX on XX/XX/2022. This inaccurate information has caused me to receive an unfavorable credit limit which is a direct violation of my right to credit. This is a direct violation of 15 USC 1681 ( a ). EQUIFAX is also reporting inaccurate late payments on my student loan accounts DEPT OF EDXXXX.
Product: Credit reporting or other personal consumer reports

The amount of the updated balance {$3900.00} is the balance that should be reporting on my report.On my XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately
Product: Credit card or prepaid card

To whom it may concern, Several months ago I filed a complaint with the CFBP regarding Capitol Ones treatment of me. When I last complained, I was told by Capitol one essentially that the credit card company could do what they want to do for whatever reason they want to do based on their own business practices. Of course, I found it a strange loophole in the law if on could complain about a card companies treatment only to be told they can do whatever they want. Anyway, a few months ago, they reduced both my card limits under the guise that I dont max them out enough, even though I had and XXXX credit score. They claimed at the time they had thoroughly researched the me and made an independent determination. Recently, they closed my accounts because I was convicted of a felony in 2019. Nevermind that I have an XXXX credit score, a credit utilization rate of less than 1 %, I have had the accounts for over 20 years. I am a veteran that served in XXXX, I did not know at the time I was suffering from XXXX XXXX. I was back then, and I am currently in a tremendous amount of pain from other injuries I sustained while overseas, and XXXX I struggle every day. Over the years I tried to compensate, and hide my pain, but I eventually spiraled out of control. The treatment I am receiving by Capitol One is unfair and wrong. I have never even been late, I have not been over my limit, and they renewed my cards, and then cancelled me afterwards. 

I would hope CFPB would at least think it strange that at the same time Capitol One was lowering my credit limits because I didnt utilize them enough, they have now dropped me because I was convicted of a crime in XXXX of 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$3100.00}
Product: Credit card or prepaid card

Key Bank in XXXX Florida has let XXXX XXXX XXXX XXXX XXXX XXXX and a couple other companies still over {$620.00} worth of personal funds that were mine they were unauthorized debit transactions and key Bank took two years to return only {$350.00} of the {$620.00} and it's playing a game to get my own money back if you total amount of {$360.00} they are putting blame on each other 's departments for example the supervisor in the dispute department even stated yes sir you are still owed {$360.00} however the car department is responsible for issuing or returning any credits or refunds back to that account I called the card department and they stated it with the dispute department. I have called the XXXX XXXX XXXX with no response it's been over 2 years and I have been patient enough to get my money that was stolen from me back fraudulently so what I'm going to do now is issue a request from you guys to please help me out in return I'll put a ratings to the Federalist reserve and state how great you guys are at helping people out because you've helped my friend before get his bank account fixed. Please my card number is XXXX exp XXXX my name is XXXX XXXX XXXX I really appreciate you guys thank you and have a nice day.
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 XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX  Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number: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

CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint against Equifax for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : Equifax Company Address : XXXX XXXX XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX ( Equifax ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXXXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to Equifax requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX a XX/XX/XXXX from XXXX XXXX I have been a customer with Mercedes Benz financial I have had XXXX accounts with them outstanding payment history and great customer I have a vehicle with them right now which is a lease and is going to be a lease return and was trying to get another car but I have a great score and amazing history I got a automatic denial from XXXX XXXX XXXX I asked what is the issue and they said fraudulent and miss representation so I called to get more information they can not provide I believe that they are discriminating me because of my Armenian decent and I have been embarrassed by this act I need help to solve this situation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/year> I received a call from what I thought was a Chase customer service rep asking if I was trying to transfer money. They proceeded to tell me that someone was trying to transfer money and they then guided me through the process of having me XXXX {$1000.00} to myself all the while telling me they were helping me. I then realized too late it was a scam and proceeded to file a claim with Chase bank. Chase since told me there is nothing they can do to reverse the transfer, because I authorized it. I DID NOT! They closed the claim through a letter I received from them through my banking app. 
I would have just withdrawn money from my bank if I needed it, not XXXX it to myself. Also the phone number associated with the XXXX transaction is not even my phone number. I can only assume it belongs to the scammer.
Product: Debt collection

First Point is reporting XXXX for XXXX XXXX XXXX and XXXX that just notes XXXX XXXX and I have not received any notice of this debt. I also sent a certified letter XX/XX/2021 requesting VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA of the debt being reported and did not receive a response within the allotted timeframe.
Product: Debt collection

CAPITOL ONE SENT THIS TO COLLECTIONS AND ARE STEAL HARRASSING ME TO MKAE A PAYMENT ARRANGEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX XXXX Case Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  XXXX XXXX Case Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

This old account was handled properly. 
The account was closed by me ( the consumer ) and the final bill was paid years ago. 
This was reviewed previously with another agency and they resolved the non-existing problem. Now, here again a new agency is calling for a debt, I never owed. I'm furious that they are calling my job as well. It needs to stop!!!!!!
Product: Credit reporting or other personal consumer reports

ON XXXX I NOTICED SOMETHING REPORTING TO MY CREDIT PROFILE THAT I HAD NO KNOWLEDGE OF, I CONTACTED THE FURNISHING AGENCY EXPERIAN TO DISPUTE THE ACCT # XXXX TO GET NO RESOLVE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account : XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX has violated my rights. 

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

15 I.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
account name # XXXX account number # xxxxxxx XXXX account name # XXXX account number # XXXX account name # XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX account number # XXXX violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus to have ALL unknown accounts, inquiries, jobs and address removed from my account, as the such items I have no knowledge of. As Ive been trying to resolve this matter for 2 1/2 years now, nothing has been done. This is stopping me from owning a home, I am a XXXX XXXX and its defamation of character along with my credit profile.
Product: Credit reporting or other personal consumer reports

That on XX/XX/ I a written notice to XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX XXXX has yet to respond to my demand
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and purchased illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Mortgage

I submitted a complaint back on XX/XX/XXXX ( XXXX ). Here is a summary of the issue. 

I was incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on the company website. 

The company responded by acknowledging that there was an incorrectly forced policy for coverage placed on subject property XXXX XXXX XXXX XXXX XXXX, CA XXXX. The loan was charged with a premium of {$2300.00} for the forced placed coverage on XX/XX/XXXX. They have refunded {$1800.00} and said that they will refund the additional {$480.00} that was not refunded on XX/XX/XXXX. They stated on XX/XX/XXXX that they were in the process of refunding the {$480.00} and should be completed within the next 7 to 10 days. 

To date, XX/XX/XXXX, I have not received the refund.
Product: Credit card or prepaid card

My complaint is regarding my credit card with SunTrust/Truist I do not have all information, because I am locked out of my online banking. 

I have a seldom used credit card with Sun Trust ( not in over a year ). Over the summer, there was an automatic charge for an annual magazine subscription that I was unaware of. 

Not expecting any charges, I never check my online account ( the reason I am locked out of their online banking and will have to be on hold for XXXX minutes to get it working again ). So, the first statement I see shows a charge of {$42.00} for an annual magazine subscription and a {$25.00} late payment fee. I call, make the payment of {$42.00}, and am told they will waive the late fee. 

The next statement has the initial {$25.00} late fee plus another late fee ( I believe it was {$39.00} ). I call again, and they tell me I was supposed to call back again to get the initial {$25.00} fee waived. So I'm charged a late fee on a late fee. 

On XX/XX/21, I made a payment of {$40.00} leaving the balance at {$25.00} ( interest was added to the late fee ). Well, here I am again in XXXX with another late fee on a late fee after, on my initial call, I was told that the initial {$25.00} late fee was being waived. 
At this time, they are saying my new balance is approximately {$52.00}. 

Essentially, for a single charge of {$42.00}, they are trying to usurp $ XXXX in late fees.