23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Sun Loan Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with Sun Loan nor do I have a an account under collection or review with Sun Loan. 
On XX/XX/XXXX I sent Sun Loan a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reports has my name on there as XXXX XXXX XXXX. My name has never been XXXX XXXX XXXX. Please remove this from my credit. Thank you kindly
Product: Credit card

i HAVE NO STATMENT FOR 3 MONTHS THIS ACCOUNT WE SET FOR AUTOMATIC PAY MONTHLY WAS ARRANGED THROUGH XXXX XXXX XXXX 
XXXX AM I BEING CHARGED A LATE FEE FOR FOR THE JET BLUE CARD WHEN ITS AUTO PAY.PLEASE ANSWER.THANK YOU.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXXXXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. 

Middle man JP Morgan decided to enrich itself by stealing then lying to everyone. 

The bank expects you the CFPB to do nothing about it. 

Since JP Morgan decided to steal then lie, I chose to I document everything to show the Attorney General & White House.

44 asked questions. 45 didn't care 46 wants answers.
Product: Checking or savings account

Back in XXXX of 2024, I was at my gym and when I was leaving I realized my bag was missing/stolen containing my wallet and phone from the locker rooms. Due to apples XXXX factor authentication it took some time for me to be able to access everything again. ( Less than XXXX hours ). As soon as I had access and noticed funds missing I froze my account and contacted Huntington bank. I explained the XXXX charges I noticed for {$1000.00} dollars each totaling {$2000.00} were not mine and were not authorized by me. I explained I had a police report with the time and date of the incident as well. This is where it gets odd. After successfully filing my dispute with all the information I could have possibly give, the dispute was denied due to a text message sent by Huntington to my cell phone verifying the charge which had clearly been stolen. I called back and explained my situation again to which the customer service rep couldnt believe it was denied, she then detailed it out again in the notes that my personal belongings were STOLEN and I had all of the proper reports to document it. They then denied it again for the exact same reason. I then spoke with XXXX separate supervisors who reopened the case explaining I did not have possession of my phone and again, for the XXXX and XXXX time the disputes were closed with out investigation for a text message to my stolen cell phone. This has been an absolute nightmare. The last rep who reopened the case recommended I file complaints with cspb and bbb about my experience with this if for the XXXX time they denied my dispute for the same reason. I received a letter a couple days ago stating it was indeed denied again for the same reason. This takes unprofessionalism to a whole new level.
Product: Debt collection

I received notification from a seperate collection agency ( Central Portfolio Control ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os XXXX XXXX XXXX Original Creditor was XXXX, XXXX XXXX Original account # Internal file to Central Portfolio Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with XXXX, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.
Product: Credit card or prepaid card

XX/XX/2022 I received a notice from Comenity Bank asking me to remove my credit security freeze so that they can process my XXXX XXXX  card credit application, however, I never applied for a XXXX card account.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX XXXX XXXXXXXX data breach, which raises concerns about the security of my personal data.
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 168b permissible purposes of consumer reports. 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. 

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 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 ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
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 Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : 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 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: Debt collection

According to the fair credit reporting act ( hereafter referred to a FCRA section 609 ( a ) ( I ) ( a ), company is required to verify debt in the original signed consumer contract - any and all account you post to credit report. Otherwise anyone paying for reporting services could fax, mail or email in a fraudulent account. Therefor I am demanding to see original consumer contract with signature you have on file to the account listed. Under FCRA unverified accounts must be removed.
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. 
Account Name... XXXX XXXX XXXX ... .. Account # XXXX .... Account Name... XXXX XXXX .... Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX Account # XXXX .... Account Name ... XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX .... Account Name XXXX XXXX XXXX .... Account # 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 an account without my written instructions...

15 u.s.c. 1681 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Debt collection

I received a loan by mail and cashed the check on XX/XX/XXXX in the amount of {$1200.00}. I was making payments but due to unforeseen circumstances, I am unable to meet all my financial obligations. I have no choice but to file bankruptcy and hired a bankruptcy attorney. I informed the branch manager of my situation on XX/XX/XXXX. I asked that all correspondence and communications be directed to my attorney. Today ( XX/XX/XXXX ) my co-worker informed me she received a phone call XXXX on her personal cell phone ) from the company asking about my whereabouts and if she could give me a message to call them. I feel my rights have been violated as they disclosed information to an unauthorized third party. I've never listed any references to call in regard to the loan. My co-worker knows the call was an attempt to collect a debt. It's extremely embarrassing to be in this situation in the first place. But to have my co-worker know about my financial situation is very humiliating. I have no idea why they would call my co-worker or how they even obtained her number. Especially after I let them know about my situation and referring them to my attorney. To make matters worse, we work directly next door to their office and they see me walk into work every single day. Why would they not confront me in person? Clearly, I'm not trying to hide, nor can I. I truly believe this is a bullying tactic to force me to pay. Honestly, I feel as though I'm now being harassed. Which is absolutely unacceptable. To be clear, I informed the branch manager on XX/XX/XXXX of my bankruptcy situation. He ( the branch manager ) has been out of the office all week this week. I assume on vacation. I had not received any further correspondence or communications in regard to the loan until today ( XX/XX/XXXX ). His supervisor ( s ) are currently working at the branch in his place, which is even more concerning to me. I believe they disregarded the notes on my account and initiated the phone call to my co-worker. Which was completely unnecessary. I will be utilizing all available resources ( XXXX, FTC, State Attorney General etc. ) to ensure this unethical practice does not continue. Please advise.
Product: Credit reporting or other personal consumer reports

I would like to follow up about the unresolved issue in my dispute previously also I would like to express my sustained dissatisfaction and frustration. Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. Therfore, I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed XXXX {$500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$610.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXXXXXX. XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8000.00} ; XXXX XXXXXXXX Balance Owed : {$650.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I never opened account with company listed in identity Theft, and never had a deals with them. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I filed a dispute on, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX still showing on my credit report, due to the incorrect information and i did not do business with the company that has my information false information. TransUnion denied to follow up with the investigation. I recently was notified that CFPB had filed a lawsuit against the company ( TransUnion ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. TransUnion has not attempted to remove, nor correct and information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. TransUnion violates my rights as a consumer, as well as federal laws. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a Bank of America premium rewards card. The annual fee was waived the first year. I noticed that the annual fee posted online ( but wasn't yet billed ) and I called before being billed to cancel the card. I was told that the annual fee would not be refunded. The referenced account is Bank of America Premium Rewards Visa Signature ending in XXXX. I closed all of my Bank of America credit cards as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove any old or duplicate addresses from my report they are all non mailable address Remove any old or duplicate phone numbers. 
Remove any variations of your name that are incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX : XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law. 
Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : XXXX XXXX Dated XX/XX/XXXX Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse. 
Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case.

Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : 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 Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within 4 business days of receiving this correspondence and the attached supporting documentation.

Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved. 
CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXXu XXXX XXXX XXXX Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report
Product: Money transfer, virtual currency, or money service

Carecredit has engaged in deceptive practices by not affording my consumer protections for services not rendered. 

A merchant is using an in-enforceable contract to deny me a refund for services not rendered 0 % They wont process the refunds
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via Experian against 4 accounts with a company be the name of XXXX on my credit report. The dispute reason being I was no 60 days past due on two of the accounts and that two accounts have been paid off completely. I paid the accounts off in full before the reporting cycle for XXXX, I also was not 30 days past due in XXXX for two of the accounts they were paid before the due date for the month yet still reported as late. Experian gave me the results of the dispute as verified accurate. This is false and is leaving inaccurate information on my report. I would expect that Experian has to only allow accurate information on the reports. Experian failed at making sure and verifying the information was accurate. They should have paid the company verify exactly when payments were made and when were the payments due. This would have given them the information to know that XXXX was not accurately reporting my accounts. Also they have two accounts currently showing balances that were actually paid in full before XXXX reported to Experian. This was not verified yet Experian allows it to remain inaccurately on my report.