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 following XXXX Accounts have violated my rights. 

1. XXXX XXXX, Account XXXX 2. XXXX XXXX XXXX, Account XXXX 3. XXXX XXXX XXXX  Account XXXX 4. XXXX XXXX XXXX XXXX, Account XXXX 5. XXXX, XXXX, Account XXXX 6. XXXX XXXX XXXX  Account XXXX 7. XXXX XXXX XXXX, Account XXXX 8. XXXX XXXX XXXX Account Number : XXXX 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 card or prepaid card

There are two complaints here. ( 1 ) I am unable to have my account closed with the provider. ( 2 ) I have been unable to obtain a refund of the card 's annual fee from the provider after a material change to the card 's terms and conditions. 

City National Bank offers the Crystal Infinit credit card. It has a {$400.00} annual fee and a number of benefit programs. ON XX/XX/XXXX, I learned that many of the most valuable benefits would be discontinued as of XX/XX/XXXX. As I had just paid the {$400.00} annual fee on XX/XX/XXXX, I notified City National Bank that I wished to close my account and was requesting a prorated refund of the annual fee I had just paid. Since the provider was choosing to change its terms, this is only fair under contract as I did not agree to the updated terms. 

After repeated calls and emails to the provider, I have been unable to either close my account or have my annual fee refunded. I am being told that a single relationship manager has the authority to close accounts and that they would call me. I never received a call.
Product: Debt collection

XXXX XXXX XXXX posted a unpaid bal on acct, in TX we are allow the choice of a electric provider and can change w/o a plenty.
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that TRANSUNION, the 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 receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of HARD INQUIRIES. 

HARD INQUIRIES : 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  These multiple bogus INQUIRIES on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned INQUIRIES, that were reported. I did not open, make, or start the aforementioned INQUIRIES on my consumer credit report, which you keep. All of the INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts and INQUIRIES are the consequence of identity theft and fraud.
Product: Debt collection

This is an ongoing issue that has occurred everyday since the beginning of XX/XX/year>. This company has called me on numerous occasions, over XXXX calls every single day. There has been several occasions where they called my device after XXXX.
Product: Debt collection

number is XXXX in XXXX arizona. claims he is a XXXX and associated with XXXX. threatens to take drivers license, arrest me and other family members. has called every XXXX of my relatives harrasing them. extremely threatening and rude. uses strong arm tactics and attempts to gather personal and sensitve information. threatened my grandmother with arrest and legal action.
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 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: Vehicle loan or lease

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX & XXXX # XXXX Account Name : XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX
Product: Debt collection

Online Information Services never contacted me about this debt. I did not know I could dispute the debt nor did I realize they illegally reported the debt a year passes Statute of Limitaions of 3 years in North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Debt collection

I recently requested a copy of my credit report and noticed someone open an account with XXXX XXXX I never went in to the stores never handed a XXXX employee my id and never had an account open I've been with XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company had not only been harassing me with phone calls about this debt before it was sold to a 3rd party without me knowing and then the 3rd party threatened to sue me and seize my financial assets etc. and sent someone to my residence. The person they sent to my residence was harassing me about this and came to my door over XXXX times I have them on my ring doorbell. These both violate not only my rights but as well as Section 1692d ( 5 ) in Title 15 of the U.S. Code. If anything I should be the one suing the agency for violating Section 392.403 of the Texas Finance Code and as well as Section 1692k in Title 15 of the U.S. Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Product: Consumer Loan

on XXXX we bought a car from drive time and until XX/XX/XXXX the were reporting our credit history to all XXXX credit bureaus and since XXXX there has not been any records shared with any of XXXX credit bureaus we have been trying for months to resolve this problem with no success this is hurting our credibility. after we finnish payingfor this car we will have spent {$21000.00}. please help us and get drive time to report all of our payment history to all XXXX credit bureaus like the said they would do.
Product: Credit card or prepaid card

Chase freedom credit card charge everey month a purchase fee whather you use or not the credit car a monthly purchase interest fee of {$21.00}. A total of {$250.00} that is insane my payment is XXXX wich {$21.00} goes tours the purchase interest fee. Only {$15.00} goes tours the monthly payment at this rate I will never finished the debt. I have 2 jobs is very hard to keep up with monthly payments but this is outrages. Chase Freedom credit card
Product: Debt collection

A XXXX agent represented a monthly service amount of {$34.00} on XXXX. After installation on XXXX, they started billing more than the agreed price. I paid the contract sum in XXXX, XXXX, XXXX and XXXX, but no overages. After many requests to fix the bills, XXXX XXXX failed. Since they breached the contract, not me, service was discontinued in XXXX XXXX, and they were not entitled to early cancellation fees. XXXX and their agents nevertheless started sending collection letters on XXXX. Fully aware of the dispute, XXXX XXXX tried to take {$270.00} using my credit card on XXXX, without my consent, or a Judgment. Their attempted theft was reversed. Over the years, XXXX agents, XXXX XXXX ( XXXX ), Financial Asset Mgt. Systems ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and Convergent ( XXXX ) all sent harassing letters. The latest Convergent letter arrived XXXX. XXXX and its agents know the 6-year breach of contract statute of limitations ran in XXXX XXXX. Collection efforts are now clearly illegal and frivolous, as they have no basis in law. Monetary relief is requested.
Product: Credit reporting

I have submitted bk information to Equifax several times proving that this debt has been dismissed and should not be reported as an open/ongoing collection account as they are doing, they have refused to change this in my credit report, XXXX & XXXX have removed this account and show no collections in my reports, only Equifax has not done so. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information 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 items ( A ). It is not permissible to fail to validate these reporting items 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit card or prepaid card

Applied fo r American Express Cards but th ey after week still sitting on my credit application to witch I have an great score of  XXXX  they should review not giving me specialist team still reviewing witch is  XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me getting it back up and going. 
I want to mention that, I know the PayPal User Agreement and I have not violated any policy or law. 
I am not sure if this is some mistake XXXX I asume it has to be. 
I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 
My email linked to my Paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S Auto sales allowed someone to get a car in my name with their company i have never had any dealings wit this company and i have never had any dealings with the address listed and its really affected my life in the worst way i cant buy a house or a new car because of this incident with this company and every time i call them to address the situation they tell me that they have no knowledge of the account but however the account is on my credit report and the balance is constantly going up as if the person still has the car in their possession. so it still shows open after this situation is supposed to show resolved
Product: Money transfer, virtual currency, or money service

Unable to access account and unable to update information or reach the company directly for support. 

I have a new phone number and can not update account. 
I attempted an account recovery unsuccessfully via the website, Coinbase.com Next, I tried to contact customer service and attempted every phone-tree option only to get redirected back to login for every option Coinbase has layered so much security it is incredibly difficult to recover your account and is impossible to speak to anyone directly for support. 

Due to this, I am unable to access my account or funds.
Product: Money transfer, virtual currency, or money service

I suddenly started receiving denial error messages trying to use my Venmo account. After an online chat and numerous phones calls, I was told for some " mysterious reason '' my account was flagged by their security algorithm and there was no way to find out why, nor could they override it. My credit cards associated with my account have {$0.00} balance and both have credit limits over $ XXXX. I have a FICO of XXXX, never been arrested or indicted. I believe they owe me an explanation of why I was flagged and any errors be corrected in their system. 
The case # for this incident is XXXX
Product: Credit reporting or other personal consumer reports

A few months ago, I examined my credit report and discovered inaccuracies regarding the WFBNA CARD account ( XXXX ). This is a breach of my rights. I disputed these errors directly with the three credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.


15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX XXXX XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! 

Companies reporting fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Under 15 US code 1681e ( b ) & 15 US code 1 ) 81i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

XXXX XXXXXXXX says I opened an account with them I believe in XX/XX/XXXX or XXXX I have tried disputing this many times on there website XXXX I believe it's called whatever the company that took it over for collections the amount is XXXX XXXX and its the only bad thing on my credit report I have tried many times to have someone hear me out but everytime I try disputing it they just ignore it or don't do anything I know for 100 percent fact I never opened anything through any credit company and I tried to explain I believe my actual birth sister did it because she has done it to other family members and she knows my ss number and all of my info because our ss numbers are exactly the same except our last 2 digits I just need help getting this resolved because if I didn't have this on my credit report I would of been able to do things like purchase a car or a home but this negative thing is stopping me if I did it I would of owned up to and made it right but I didn't and I don't have the money to hire someone to help me dispute it correctly
Product: Credit card or prepaid card

After having received 3 emails from Capital One to apply for a credit card that was ideal for my Score, i applied on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, i was denied a credit card without explanation. I did a research and found out that Capital One is on of the credit card Companies that Discriminates against Non XXXX  Americans and especially XXXX   like myself, plus is Misleading and Dishonest on the explanation given after they decline the application. Since i didn't received an explanation from Capital One i called Capital One after every time i applied but their representatives were Rude and Misleading of to why my application was denied. It seems like another Crooked and Fraudulent Wall Street Company who does business without any respect of the " Weak Consumer Laws '', not to mention that Capital One Defrauds credit card holders with their Sky high interest rates 25 % -30 % and fees while borrowing money from the Government with 0 %. After all that's why Capital One and other Financial Companies Bribe Politicians so they will Defraud consumers with Immunity. It would have been better to do business with Mafia than with Companies like Capital One, etc.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX reported inquiry which I did not authorize. 

On XX/XX/scrub> XXXX XXXX FIFTH THIRD BANK, N.A FIFTH THIRD BANK, N.A, XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX reported inquiry which I did not authorize. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX IA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX reported inquiry which I did not authorize. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX reported inquiry which I did not authorize.