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 Account name : # XXXX Account name : # XXXX Account name : # 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. 


This account was closed, and per as last claim, was stated no future collections or fees would be added. I am being charged everyday for this.
Product: Credit reporting or other personal consumer reports

THE COMPANIES ARE EXPERIAN, XXXX, XXXX, AND XXXX XXXX There are unauthorized inquires, collections, and charge off accounts on my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never received a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX code 18 USC 1028A, they did not provide me evidence stating that I have signed any sort of agreement with the said companies. They don't have my wet signature and they have not sent me the debt from the original collector, | sent out countless disputes to these companies stating 15 US. Code S 1681C-2 A consumer reporting agency shall block the reporting of any information on file of a consumer that the consumer identifies as information that result from an alleged Identity theft, no later than 4 business days after the date of receipt. It has been 30 days, and they are in violation of this law because | am a victim of Identity theft. Please! just want these deleted immediately! These accounts should not be furnished on my consumer report as they are in violation Under, 15 US Code 16818, 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. 15 USC 16816 states " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer. That is Aggravated Identity Theft 18 uSc I028A because they have possession of my information, and they are also using it without consent from the consumer me. 15 USC 6802 A Financial Institution may not disclose nonpublic personal information to a nonaffiliated Third Party unless - They give you the consumer the opportunity to exercise your right to opt - out They dont have a CONTRACT WITH THE ORIGINAL CREDITOR WITH MY WET SIGNATURE. I REQUESTED PROOF OF THE DEBT ASSIGNMENT.

I REQUEST THE PAYMENT HISTORY WITH ASSIGNED OR PURCHASED DEBT AND THEY DID NOT SEND. ITS been far longer than 30 DAYS and it is still not deleted off of my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ALDOUS & ASSOCIATES PLLC, Has violated my rights 15 USC 602 A, States I have a right to privacy 15 USC 604 A Section 2 : It states that a consumer reporting agency, corporation, company can not furnish an account without my written instructions 15 USC 1681C. ( A ) ( 5 ) Section States : No agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report for more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX and someone has used my personal information to sucure credit cards and auto loans using my personal information. and also there are many fraudulant address on file that do not belong to me and experian is violating my rights by reporting these fraudulant address when i keep caaling them asking them to please remove the address but is refusing to do so! .there are also fruadulant accounts opened in my name due to XXXX XXXX. 
fraudulant address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my twelfth ( XXXX ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Dear Customer Financial Protection Bureau ( CFPB ) Representative, On XX/XX/XXXX, my Discover credit card account was unexpectedly closed without a clear explanation. This closure occurred just one day before XX/XX/XXXX, which is the date when I would have reached the " Cash Back Match '' period according to Discover 's Rewards rules. Based on these rules, I would have gained an additional {$290.00} in cash back rewards. 

This sudden closure is especially disconcerting because I have been using this Discover card as my primary credit card since I applied for it. One of the primary reasons I have been committed to using this particular card is due to the appealing rewards program, specifically the " Cash Back Match '' feature. The timing of the account closure, just one day before I would have been eligible for these additional rewards, raises questions about the reason behind the termination of my account. 

I have attempted to get clarification on this matter by calling Discover 's customer service. During these calls, I was transferred to four different departments, yet none could provide me with a clear answer as to why my account was closed. This lack of transparency is concerning and makes me question the fairness of this action, particularly given that it occurred right before I was due to receive a significant reward amount. 

I am seeking a thorough investigation into the reason for the account closure and would like to know whether it is possible to reinstate my account, along with the " Cash Back Match '' rewards that I would have earned. 

Thank you!
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 : XXXXDEPT OF ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX and 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 card or prepaid card

A Cash App Visa Debit account was fraudulently opened by someone using my personal information. I received the card on XX/XX/2022 and worked with XXXX XXXX XXXX as well as calling and emailing Cash App in an effort to get this card closed. After sending the requested information and card number via secure link to Cash App, I followed up two days later to ensure the account was closed. I then received another link requesting photo of front and back of debit card. XXXX XXXX advised me not to send the photo. XXXX XXXX has tried to contact Cash App since this time in an effort to close the account, but has been unsuccessful.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX  's continued use of two accounts on my credit file. They are Ford Motor Credit and XXXX XXXX. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time ( Ford account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted XXXX to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with Ford and XXXX! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.
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 federal protected consumer rights of privacy and confidentiality under 15 USC 1681. Please see accounts and third party furnishers who are violating me : XXXX XXXX XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX Has violated my rights Date of inquiry : XX/XX/2020 XXXX XXXXXXXX Has violated my rights Account Number : XXXX XXXX Has violated my rights Account Number : XXXXXXXX XXXX Has violated my rights Account Number : XXXX The following companies are furnising these reports : Experian, XXXX, XXXX XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A. Section 2 : It also states a consumer report an agency can not furnish account without my written instructions Friday 15 USC 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 conventions of crimes which antedates the report by more than seven years. 

15 USC. 1681s 2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I have had serveral calls from numerous debt collectors harrassing me about these furnished debts these companies continue to furnish and invad my privacy
Product: Checking or savings account

After reading the XXXX article on CapitalOne with the subtitle - They Thought Their Money Was in High-Interest AccountsThey Got Paid Peanuts Capital One says its savings account pays 4.35 %, but not all customers are getting that - I figured out this same thing happened to be. When you go to their savings rates webpage even today, they dont even list the historical account type with the below market rate. Crazy. 

XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Company continues to charge me late fees even though I attempted to close my account with a zero balance.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/XXXX and in XX/XX/XXXX, I signed up with XXXX XXXX XXXX  to begin improving my credit for {$100.00} per month. They stated they would do so by filing disputes with creditors and credit agencies. I asked both times if the disputes would have any negative impact on my credit and was told they do not hit credit will not damage my credit. On XX/XX/XXXX I submitted an application for a pre-qualification for a home loan. The mortgage broker explained to me that the disputes were holding me back from being able to get a home loan and keeping my score lower. After speaking with XXXX XXXX of XXXX XXXX in the XXXX office she told me she has known since the beginning of her employment 1.5 years ago that the disputes, in fact, were impacting customers ' ability to obtain home loans. This means XXXX XXXX has been withholding that information from their customers thus influencing our decision to work with them. I don't think it's going out on a limb believing that other manager level team members at XXXX XXXX knew this information even before XXXX began her employment
Product: Credit reporting or other personal consumer reports

Bank Of America has reported this account as a " Charge Off " account on my credit files with all XXXX bureaus as " Last Active '' monthly, with a new date every month when this account is closed. I disputed the accuracy of this debt with the credit bureaus without a clear response. This is a violation of my consumer rights under 15 USC XXXX, and it is damaging my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE REMOVED.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$500.00} by XXXX scam artists whom I thought were loan originators for a mortgage I was trying to get. They insisted I pay them a {$500.00} origination fee through PayPal so I did. I immediately knew I had just been ripped off so I contacted PayPal asking them to step in and help me. At first I was told there was nothing they could do. Then like a day later or so XXXX at PayPal told me that I was covered by PayPal 100 % fraud protection but it could take up to 10 days to get it back. I waited until I noticed the chat that XXXX said she was keeping open for us to communicate was closed. I contacted them again asking what was happening and some other agent is saying that the case has been closed and denied. They didn't even notify me at all! Now im currently arguing with someone that has no clue at all what this situation is but apparently thinks they know everything about everything and is telling me that my money is gone and these XXXX scammers are allowed to continue to do this to as many innocent victims as they want using PayPal payment platform without consequences! This cant be allowed! My money should be refunded to me immediately and the scammers should be investigated and stopped asap! PayPal is complicit in this fraudulent activity and they need to be stopped now!
Product: Credit card or prepaid card

On XX/XX/XXXX, I made arrangements online to have my payment made on the due date of XX/XX/XXXX. When I received my XXXX statement on XX/XX/XXXX, I realized they hadn't taken out the payment on XX/XX/XXXX, so I called the company, Comenity Bank about the mixup with my XXXX XXXX account. They were very helpful, and everything was fixed, or so I thought. Today, XX/XX/XXXX, I received a statement from Comenity BankXXXX XXXX for {$140.00}. The statement clearly shows that I had paid the bill on the XXXX of XXXX, and that they had given me a partial credit on the late fee as well as XXXX on the finance charge. Then it shows that they returned my payment, which they did not do, put the late fee and finance charge back on my bill, and added another late fee and additional finance charge as well. I had them paid off, and had requested my card be cancelled. Now they have kept the money I gave them, lied about returning the payment, which they had no reason to do, and are charging me way more money. They didn't cancel the card, but lowered the limit. I have mailed them a check for {$140.00}, which I do NOT owe them. Please, do something about this company. I don't know anyone who can afford this kind of treatment.
Product: Debt collection

The account in question has been disputed and removed from my credit reports several times. This account starts with XXXX for XXXX this is not valid debt. Now its posted on my Experian report again. This needs to be addressed! Remove this account out of my name and off my reports.
Product: Credit card

I recently signed up with Chase for a credit card that worked with XXXX XXXX for frequent flyer miles, the " XXXX '' program, the XXXX XXXX XXXX XXXX. The promo that was advertised was for XXXX bonus points after spending {$2000.00} within 3 months and I did meet that requirement. After meeting this requirement I was not rewarded the points initially offered. The ad was a link directly from the XXXX wesbsite to a chase credit card application from a promo that was advertised on the XXXX website. Once I contacted chase to inquire about the points I was told that this was not the offer that I had signed up for even though the link from the XXXX site took me to the application directly, giving me no other options for offers or applications to accept other than what I was re-routed to. 

This is very misleading to the consumer. You should not be allowed to advertise a certain promotion and offer a benefit for giving a company your business and then not follow up. I fulfilled my part by spending over {$2000.00} in the first 3 months and the credit card issuer should be held accountable for their advertising, whether their links are correct or not. I know the credit card company would hold me accountable for my commitments to them and they owe the same to each consumer. 

I feel this is a fraudulent advertisement. The company is intentionally enticing consumers with what looks to be a great offer and is then changing the promo offer after the application is submit to a lesser offer, a bait and switch it seems. This theory is based on my communications with Chase who told me I had accepted a different offer even though there were no offer choices after clicking on the link for the XXXX points. 

Attached is : 1. a screenshot of the offer 2. a copy of the last communications with chase 3. a copy of the statement where the {$2000.00} spending requirement was fulfilled