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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} closed 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 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.

Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following 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
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received a credit alert from XXXX stating that my CitiBank/Best Buy credit account had been closed as of XX/XX/year>. I confirmed on my credit report that, indeed, my CitiBank/Best Buy credit card account was reporting as " closed by consumer. '' I noted that XXXX was the only credit bureau reporting the account as closed ; XXXX and XXXX were reporting my account as open and in good standing. I contacted CitiBank/Best Buy credit card customer service in XXXX, and the representative I spoke with confirmed that my account is open with a credit limit and available to spend limit of {$10000.00}. I further confirmed on my Best Buy app that my credit card account is still open and has a {$10000.00} credit limit, all of which is available for me to spend. The representative stated she would file a credit dispute on my behalf, which would send data to XXXX to state that my credit card account is open, active and not closed. I also filed a credit report dispute of my own, directly with XXXX, to dispute that this credit card account is open and active. As part of my dispute through XXXX, I uploaded documentation to their dispute portal -- screen shots from my CitiBank/Best Buy credit card showing that the card is open, active and I have {$10000.00} available to spend -- to support my dispute. On XXXX XXXX, XXXX completed its investigation into my dispute, and they state that the creditor has verified to them that the account is correctly reporting as " closed '' and " closed at consumer 's request. '' This is knowingly false and inaccurate information by both XXXX and CitiBank/Best Buy credit card. I called CitiBank/Best buy on or around XXXX XXXX, and the representative again confirmed my account is open and active. She also stated she saw the internal credit report dispute that CitiBank/Best Buy filed on my behalf, and the response they received to that dispute did not make any sense. As the consumer, I am caught in the middle between XXXX blaming CitiBank/Best Buy and CitiBank/Best Buy blaming XXXX for falsely and XXXX reporting my account as closed, when the account is no such thing. Furthermore, I believe that both XXXX and CitiBank/Best Buy are doing nothing more than passing the buck, each blaming the other, but neither of them taking the legally required steps and actions to correct this error on my credit file. My credit score dropped several points as a result of this reporting, so it has caused me tangible harm when I applied for a mortgage loan this week. I have attached a copy of the XXXX XXXX XXXX dispute investigation results, showing that both companies are irresponsibly and knowingly reporting false, inaccurate data to each other about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written transunion and XXXX to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..
Product: Credit reporting, credit repair services, or other personal consumer reports

Company list report stating the information was verified. Recived verification original creditor does not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX, Total Card, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. I sent XXXX, XXXX  and Trans Union a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : 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. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
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 account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX and XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

XX/XX/24 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Formal Complaint Against LVNV FUNDING LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC regarding their unethical and potentially illegal practices in accordance with the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ). I also dispute owing any and all debts to LVNV FUNDING LLC. 

First and foremost, LVNV FUNDING LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is a direct violation of federal regulations designed to protect consumers from inaccurate reporting and harassment by collection agencies.

Furthermore, LVNV FUNDING LLC has denied me the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of due process infringes upon my rights as a consumer and demonstrates a blatant disregard for the regulations put in place to ensure fair treatment. 

In addition to these violations, LVNV FUNDING LLC has engaged in deceptive and misleading practices, further compromising my consumer rights. Their actions, which include false representation and misrepresentation of information, are not only unethical but also illegal according to federal law. 

It is imperative to note that LVNV FUNDING LLC has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This action is a clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), which dictate the procedures for reporting consumer information accurately and responsibly. 

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into the practices of LVNV FUNDING LLC. Additionally, I urge the CFPB to take appropriate enforcement actions to ensure that LVNV FUNDING LLC ceases these unlawful practices and is held accountable for their actions. 

I am requesting debt validation and the purchase agreement between LVNV FUNDING LLC and the original creditor. I am revoking all rights of LVNV FUNDING LLC communications with me through email, texts and calls. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and uphold the integrity of the financial system. 

Please keep me informed about the outcome to this complaint and thank you again for attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX I made two payments to my credit card account with Citibank, one in the amount of {$4000.00}, followed a few minutes later by one in the amount of {$1000.00}. Upon looking at my account later the next day, while both payments had been taken from my bank account, only the payment for {$4000.00} was reflected. I waited another day, calling on XX/XX/XXXX. At that time I was told by a representative that sometimes they have a hold for up to 7 business days before a " floating '' payment as my second payment was referred to, is applied. It is now XX/XX/XXXX, I have called Citi and my payment is still not applied. According to, XXXX, who I have spoken to, they are not sure when said payment will go through. What recourse do I have to force them to acknowledge payment and reflect that in both my payment history and my fee schedule, or simply get my {$1000.00} back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Product: Credit reporting or other personal consumer reports

I am disputing an unrecognized account listed on my Equifax credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Status : Open Credit Limit : {$500.00} I do not recognize this account, and I did not authorize its inclusion on my credit report. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit report immediately, as it is not a valid representation of my credit history
Product: Debt collection

I am being sued by a XXXX XXXX XXXX in court of XXXX XXXX, NJ through XXXX, XXXX XXXX XXXX, XXXX XXXX firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor Citibank N.A. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per Citibank , N.A . and I don't remember any details and don't have any records left.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, states that I have the right to privacy ( 15 USC 1681 section 604 ( a ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.
Product: Checking or savings account

On XX/XX/XXXX I reached out by phone to the banks customer support line because my online access randomly was revoked preventing me from accessing my account. The company said they would resolve the issue as it was back end. Fast forward to XX/XX/XXXX after making 5-6 calls to customer support I still don't have access to my account. I just had a newborn and need to pay bills and the company refuses to fix my account issue. I have lost money waiting for them to resolve this issue as I have an HSA investment account and am required to sell investments. I raised the concern with the XXXX XXXX XXXX but they did nothing to help the situation. Since the XXXX  claim it has been an additional 48 hours without a response on fixing my access issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX with a name that is similar to mines and social security number that is 1 number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " Alias. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in XXXX XXXX requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2023 : I rec 'd several notifications from my various credit monitoring services that a new credit inquiry ( aka a " hard " credit check ) was conducted by BANK OF AMERICA on XX/XX/2023. I had not initiated, requested and/or authorized this credit check. 

XX/XX/2023 : I called into BANK OF AMERICA 's credit card fraud department to report this unauthorized credit check and attempt to obtain additional information regarding said inquiry. At that time, the representative that I spoke with confirmed that they had indeed rec 'd an application to open a new Travel Rewards credit card in my name, but that they would report it as fraud/not proceed with the application. I affirmed several times to BANK OF AMERICA that this request was NOT authorized and not requested by myself. BANK OF AMERICA additionally sent me a letter dated XX/XX/2023 confirming my request & that they would not proceed with opening. BANK OF AMERICA additionally confirmed they would work with the credit reporting agencies to remove the inquiry from my credit history/report. 

XX/XX/2023 : Again, I rec 'd several notifications from my various credit monitoring services that a new credit card had been opened in my name at BANK OF AMERICA on XX/XX/2023 ( the date I had called and reported it as unauthorized ). 

XX/XX/2023 : I again called into BANK OF AMERICA 's credit card fraud department to report the unauthorized activity and now unauthorized account opening. The representative that I spoke with was tremendously unhelpful and could not provide any explanation as to why the card/account had been opened, and even seemed to suggest that it was indeed an " authorized '' transaction from myself. At that time, the representative said he would again report the card/account as fraud, and would proceed with closing the account and removing it from my credit history/report. I was told a manager would be calling me back, but a callback was never rec 'd. I did indeed receive the physical card - a " Bank of America Travel Rewards '' credit card in the mail, delivered to my home address. 

I never requested and/or authorized this credit card/opening. I work for a very large broker-dealer/bank and have an extensive background in financial crimes and fraud prevention. I have every reason to believe that BANK OF AMERICA churned my identity, improperly checked/accessed my credit report/history without my consent/authorization, and used this information to fraudulently open a credit card in my name without my consent/authorization. This type of activity is something that the CFPB and OCC have already taken action and fined BANK OF AMERICA for ( see : XXXX XXXX XXXX ). I am completely confident I am a victim of their fraudulent credit card openings scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$1300.00}
Product: Debt collection

I was threatened for non payment of XXXX debt from identity theft. Convergent Outsourcing Inc. called me  and threated to put me in jail if I don't make payment! They have also never responded to my dispute letter or other ways to contact them its been over 45 days now..
Product: Credit reporting or other personal consumer reports

I found inquiries on my credit report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed that there are accounts opened in my name that I didnt authorize or consent to and inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Bank of America & XXXX XXXX have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from Bank Of America under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX
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, 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 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.