23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Student loans are being reported twice. The XXXX accounts were transferred to my XXXX account. The account was consolidated ans is not being reported twice.
Product: Credit reporting or other personal consumer reports

Capital One is reporting in violation as they have received multiple Opt out notices from me. 
5 U.S. Code 552a - Records maintained on individuals- No one but a government agency is to be in possession of an ssn. 

Capital One has reported my non public personal information in violation of the FCRA Account # XXXX As documented on the Federal Trade Commissions website, Per CRA 15 USC 1681 B ( Page 13 ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Capital One does not have my written consent 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer
Product: Debt collection

I had surgery in XX/XX/2020 and the bill that the collection agency states that owe was paid. The says XXXX on my credit reports but the amount owed is XXXX from the claim from my insurance company is totally different.
Product: Credit reporting or other personal consumer reports

Recently i took a look at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure accuracy. 

Here is the account XXXX asking that you investigate : XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I am disputing the collection account with APPLE CARD/GS BANK USA XXXX account number XXXX dated XX/XX/year>, with a balance of {$2800.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint against Equifax about inquiries I dont recognize, Equifax one minute tells me that their taking off but not, its not actual fact these inquiries I do not recognize, I want these inquiries taking off Im tired of filing a complaint about this Equifax does not do their job. I have filed several complaints, I got one report saying that this inquiries were taking off these inquiries I do not recognize at all. Now please take these inquiries off, please do not send me something thats not corrected, thats contradicting when you send a credit report saying these were taking off I have a report showing they were not taking off, now take these inquiries off my report I did not make any inquiries on my credit report and my name is XXXX XXXX XXXX not XXXX so please do your job, under the fair credit reporting act any thing I dont recognize needs to be taking off my credit report, Im tired of filing these complaints, i will keep filing until these inquiries are taking off my credit report and stop making excuses, I have contacted these companies no one is in the offices people are working remote. So do your job and dispute these and take them off period .and do not add anything to my report only by my express permission, Equifax has failed to do their job, and I want to dispute these inquiries as fraud but do not put, I mean I repeat do not put no fraud alert on my report with asking me or by my permission if you add one without my permission thats fraud in it self now do your job and dispute these and take them off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Following 4 charges on our Bank of America ( BoA ) credit card were not made by us. They were supposedly made at a health care business in MA. Disputed said on XX/XX/XXXX. BoA issued new credit card but did not take charges off. We called BoA several times and got nowhere. Each time they took the same information down like it was the first time. 

Transaction, Ref #, Card ending, Amount XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$1000.00} Then on our own, we called that healthcare business. 
Owner affirmed that there was no business between us and gave us his contact information. 

We called BOA again and passed that information to BoA multiple times. Still no response or action from BoA. The bill is dueXX/XX/XXXX and we can not pay thousands of dollars in charges that we did not make. Also we believe customers do not pay disputed charges while they are being resolved. BoA said it takes 45 days to resolve but it has been much longer since XX/XX/XXXX. 

The worst part is they take us in circles like a bad joke. No one there knows what is going on. Very bad customer service. Unable to speak to someone who can do anything more that take down the same information again to stall us.
Product: Debt collection

I have been battling this debt collector with validation etc to no avail as I dont recall ever opening a XXXX XXXX XXXX XXXX XXXX  and it was such a low amount I would have paid it if I did. My investigation has revealed that I was a victim of the XXXX data breech and that is where my information was leaked. Please see the attached reports and please remove this an accurate item from my credit bureaus as you are causing me undo harm for something that was not mine.It
Product: Credit reporting, credit repair services, or other personal consumer reports

MY ACCOUNT WAS LINKED BY  XXXX  WITH  XXXX   XXXX  WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF  XXXX   XXXX  TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH  XXXX   XXXX  OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE A LSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$620.00} 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 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did contact the XXXX XXXXXXXX for the 4th time in 8 months regarding the same thing, I called again today 's XX/XX/XXXX at XXXX XXXX duration of call 44 min, spoke with XXXX one of the supervisor, I asked again to please remove the 2 late payment from XXXX and XXXX XXXX, and I explained that late payment was from my hardship in that year and it is causing me problems and also its violates my rights according to violation of the CARES Act during the COVID-19 Pandemic.
Product: Credit reporting or other personal consumer reports

to whom it concerns I sent certified letters to the credit collection agencies alerting them that they are reporting bad information and they are reporting incorrect accounts I ask them to delete the inaccurate information and they did not do so, I sent my letters to XXXX, XXXX, Experian and they did not respond are delete what I told the to delete in my letters
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2024 Bank of America automatically and unlawfully froze my personal checking account ending in XXXX with a faulty fraud detection program, and then gave me little recourse when there was, in fact, no fraud. Bank of America failed to live up to its legal obligations for a wire transfer. 

Bank of America engaged in unfair and abusive acts and practices that resulted in me losing access to my life savings and not getting my protected government XXXX XXXX XXXX benefits, when I needed the money the most. 

Instead of conducting reasonable investigations, it implemented a fraud filter with a simple set of flags that automatically triggered an account freeze, which happened in my account being frozen. This set a low bar to freeze and the bank also retroactively applied its fraud filter to deny me wire transfers, which left me in the lurch. 

According to the UCC - ARTICLE 4A - FUNDS TRANSFER and under the Electronic Fund Transfer Act, consumers are protected when they use electronic methods to transfer money ; this includes ACH deposits. Protections include that after a consumer contacts the financial institution that there has been an error, the financial institution must conduct a prompt, reasonable, and timely investigation.

However, Bank of America made it very difficult for me to unfreeze my account. I have been on hold for hours every day for weeks trying to talk to someone at the bank. Furthermore, the bank told me they had agents available 24 hours a day, seven days a week, when, in fact, it operated a more limited schedule for its wire call center.
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.

15 U.S.C 168

1 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further review of my credit report all of the 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 XXXXXXXX has several violations. Ranging from incorrect open dates to incorrect information. This is ground for removal and they also violated my rights under 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: Debt collection

Called about new collection account on my report asked for verification /proof of debt and related documentation was told they do n't have to provide it original creditor probably would n't have it due to age of credit. Debt is bought in blocks not individually. Demanded collection. E removed from my report
Product: Debt collection

Over the past 4 months my client has received XXXX separate collection letter from different collection agencies attempting to collect a debt allegedly originally owed to XXXX XXXX. 
The collection letters reference various different account numbers for the sums from {$1700.00} to {$3900.00}. 

Each letter seems to be from a different agency on behalf of LVNV Funding LLC . 

In response my office has repeatedly requested details on this claim from the agencies, but received no response. 


XXXX XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. 
XXXX XXXX XXXX sent a demand dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX send a demand dated XXXX XXXX, XXXX sent a demand dated XX/XX/XXXX. 
Resurgent Capital Services sent a demand dated XX/XX/XXXX. 

This alleged debt, if it was ever owed is now barred by the statute of limitations.
Product: Payday loan, title loan, personal loan, or advance loan

I took this loan out due to a family emergency. As I needed a lump sum amount. I was unaware until now that my minimum payments of {$590.00} were only going towards renewing the loan and none of it was going toward the principal. I was also unaware until today that I am being charged a 152.08 % annual finance charge. Now I have been approved for a loan that doesn't have ridiculous interest and with payments that will go towards principal. The loan amount that I've been approved for is {$60.00} short of the payoff amount on my vehicle. I just made a payment on the XXXX of {$590.00} to TitleMax they want me to pay that again plus the {$60.00} in order to drop my principal low enough to use the other loan to pay it off.
Product: Checking or savings account

Debit card number and pin number somhow obtained and used to withdraw money fraudulently. Bank of America account and they denied claim and will not reinburse funds fraudulently obtained. Also have requested numerous times for evidence leading to their decision and to date have received no documentation on matter. I have been on the phone speaking and holding for many hours trying to resolve and have gotten no where. I have only one debit card and was used by me and fraudulently geographically about XXXX miles apart within approximately one hour which to me shows that a fraudulently made card existed and was used. Some how Bank Of America decided that no such card existed and continues to deny the fraud claim. The fraud which occurred from XXXX XXXX to XXXX XXXX of XXXX totaled about {$2100.00}. Also during these transactions I was never contacted by Bank of America XXXX department in regards to the unusual activities on account. This is odd because on most occasions if I travel from my home state of NY out of state my card will be shut off upon attempting to use if I do not issue a travel notice. I am now to a point that I believe Bank Of America is purposefully denying my claim repeatedly in hopes that i will give up and no longer pursue reimbursement. Given all the times, amounts and locations of transactions it is obvious that fraud has occurred and find it very difficult to believe that the professionals who investigated this claim did not come to the same conclusion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX was totaled on XX/XX/XXXX by someone hitting me. I now have financed a new car, and XXXX Bank was paid off by XXXX. I would not have been able to finance a new car with an existing balance to XXXX unpaid. I have documentation from the insurance company saying the payment was sent over a month ago. My credit score says the account with XXXX is delinquent and my score has dropped XXXX points. This is clearly incorrect information that needs to be rectified as soon as possible. Thank you
Product: Money transfer, virtual currency, or money service

So basically XXXX XX/XX/XXXX at around XXXX am, I attempt to withdraw XXXX dollars from cashapp at an ATM inside of a drugstore. And oddly enough the ATM says i have insufficient funds, so i try and open up cash app on my phone, but its randomly deleted. So i redownload the app and my balance is at {$00.00}, i check my transactions and it says at XXXX XXXX a payment of {$150.00} dollars was made to a account named XXXX XXXX XXXX I contacted them several times trying to resolve the issue and was told a dispute has been issued, But then was told the very next day ( today ) that this dispute has been denied. I've contacted cashapp support several times requesting an explanation but always am told I will receive an email containing documentation but never receive anything. I am pretty much being told everything at this point that doesn't reguard why my dispute has been denied. Cashapp has failed me miserably .please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted this complaint several times & CFPB & XXXX & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. This account listed below were opened due to identity theft. I've provided you ( CFPB ) & XXXX TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems XXXX TRANSUNION are violating FCRA sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on XXXX. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per XXXX with the attached documents again ... Thanks XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00}