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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

2 Late payments from XX/XX/XXXX& XX/XX/2015. I was going through financial hardship due to my girlfriend being XXXX and unable to find work. I then lost my job dealing/helping my brother who was then diagnosed with XXXX. I have sent multiple goodwill letters and emails with no response. I have not been late since and all my payments have been on time with low utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 have requested validation of debt several times with all 3 bureaus for alleged debt/collections on my account as well as unauthorized inquiries in my credit reports. In response they have not sent me any validation of the alleged account information as required under the FCRA, they only responded that they verified the account was mine. No proof was given other then their statement. This has caused me great personal pain and suffering as I was denied for not only personal credit accounts but also a business loan due to inaccurate and negative information being on my credit report. I have sent out disputes 3 times in 2020 and the issues are still unresolved. The last disputes I sent out was on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX XXXX with XXXX it was my XXXX account. I looked at the credit report and it was not on my XXXX dispute with XXXX XXXX XXXX XXXX  and XXXX of my XXXX account. I asked to review the account with the dispute teams with the credit bureau I contacted the bank and it was not showing up on my XXXX XXXX  number log in from my dispute with my XXXX phone from XXXX XXXX  XXXX I contacted the log in with XXXX XXXX. I did a log in with the XXXX account it was showing fraudulent records on my email dark web. I asked to put the account on my XXXX due process of payment with XXXX tax refund. I filed a XXXX affidavit with the company showing it was mishandling funds but it was lost with my phone on the file. I asked to file a complaint with the FTC and get back yo me with the identity theft. I see the account was embezzled. I was showing records to entitled financial debts, which happen when the tax lien from my IRS said the phone was compromised and the credit bureau could not process the payment with the identity theft without following up with the data breach papers with XXXX XXXX breach XXXX XXXX I looked at the phone the records were stolen inaccessible and the data was distorted on my XXXX email with XXXX. I see it showed here was in a data breach with XXXX and the was compromised on my server as identity theft from my XXXX XXXX XXXX  account for {$110000.00} tax XXXX and any other tax debt from the credit bureau that raised on the credit bureau. So I followed the XXXX to the servers I see it was a XXXX XXXX  with XXXX XXXX where the data breach occured on my XXXX XXXX from my normal log in considering it did not go through on my XXXX Credit report it was on my dark web for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  entitled error background report from the IRS Tax scheme showing it was paid then the ln could dispute it on the credit report with XXXX showing it belonged to XXXX XXXX XXXX. I ask the XXXX dispute the error with XXXX my XXXXXXXX XXXX. So we can show the account was hacked along with the financial statement from the bank. It was deprived of its losses from the cyber security incident with the unsolicited fines of a merchant from a XXXX due process of payment to my bank for money fraud wire tap transfer of my bank from the credit lender.
Product: Credit card or prepaid card

I opened a prepaid bank account with REVOLUT in XX/XX/2019. See www.revolut.com. The only way to communicate with them is through a phone app which I installed. There is no login but your phone number is used to validate you. 
They provided me with a debit card. 
According to their website, the funds in the REVOLUT account are held at XXXX XXXX XXXX 
Money is loaded to the REVOLUT account using other debit cards ( " loads '' ) It worked for a while but now REVOLUT has " restricted my account permanently ''. It seems because they want to see my spending patterns on a completely unrelated credit card. 
I have a balance of {$4000.00} in the account. 
I have asked them to close the account and refund my the balance but am getting no response. 
I can provide you with my phone number ( used by the Revolut app ) and the Revolut debit card number.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high-yield interest, saving accounts. Capital one misrepresented the 360 savings account is having one of the nations highest interest rates yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency, violated consumer, trust and resulted in significant financial losses for reaching the consumer financial protection act, and the truth and savings act I seek redress from misleading practices and failure to fulfill their advertised promises. I have several savings accounts with them. I opened an account with them uI believe over a year ago specifically for the great interest rate they advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER 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 or other personal consumer reports

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Product: Debt collection

In my opinion, this company is sending collection letters with threatening language claiming a negative credit reporting 'will ' remain on credit records for several years. The letter also generated a false sense of urgency like the sentence : Warning! This matter is very important to you and to your credit report. This is the text for a medical debt collection, the language could have been more emphatic. 

Full disclosure : The concerned debt didn't exist at first place ( false  reporting to original creditor ) so no debt resolution or contact with collector was required. 

There is also a potential debt trap as they are asking for credit card details to repay the debt. Its potential because it is not clear if in the letter they are referring to VISA, Master Card etc for debit card or credit card is also accepted In my case this was an erroneous reporting but it hurts to learn that many other less fortunate who are already suffering are getting similar harsh and potentially misleading communication.
Product: Credit card or prepaid card

I had booked a flight ticket on XXXX XXXX through American Express Travel portal for both my parents in the amount of {$2600.00} and had to cancel that due to XXXX. I was provided an airline specific credit in the total amount to be used until 2024. 

I'm trying to utilize that credit and book a flight for my parents on XXXX which costs {$1200.00} for both of them. However, American Express Travel is quoting a price of {$2500.00} + a {$150.00} change fee. This is more than double the cost of the ticket and is a simple case of American Express attempting to defraud me. I've contacted Amex Travel and their customer care multiple times and each time, their representatives hang up on me. I've been even put on 2+ hour holds at this time.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 at XXXX MST I attempted to make a mobile transfer from my checking account, using the Wells Fargo app " XXXX '', to my girlfriend so that she could pay some of her bills before they were due. The app failed to complete this transaction in a very disturbing manner ( see screenshot below ). The message read, in part, " Please don't resend the payment until you receive our email. We'll let you know if it could not be sent ''. First off, I NEVER received an email and second, when I called later that night to find out what happened to the transfer I was told by a Wells Fargo rep : " There was no evidence of a pending or declined transaction ''. This app is severely under-supported and the lack of QA in beta is abhorrent. Furthermore, as a result of this failed transaction and Wells Fargo 's faulty app " XXXX '' my girlfriend was met with late fees for not being able to pay the bills for which I was sending money. I will never send money ever again using this ridiculous app and someone at Wells Fargo needs to be made aware that their proprietary app " XXXX '' does NOT work.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Accounts that are in violation include : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error, this account was always paid as agreed on time. This is an error and this account in violation. 

By law, transactions are not to be reported on a consumers credit report. Therefore, companies that report such transactions such as late payments are also in violation of the FCRA. 

Please update payment statuses accordingly, otherwise please delete this fraudulent account and fraudulent activity from my consumer report immediately. 

Thank you, XXXX XXXX
Product: Debt collection

This debt onXX/XX/2019 for {$63.00} is not mine. I do not know where this comes from and kindly request that this be removed from my credit report.
Product: Credit card

I have a XXXX store card with Synchrony. I recently purchased a new XXXX device using the store card. I have always had an auto-payment set up on my account so that it is either my set amount or the minimum payment. After my new device purchase and trade-in went through, I had a new balance representative of what was left from my device purchase to be paid over 24 months. However, when viewing my account my upcoming minimum payment was showing as the entirety of my device balance. I contacted a customer service representative on XX/XX/year> and explained what I was seeing. The representative told me that this was a technical error and would be forwarded to their engineering team and not to worry, that it would be fixed before my next payment. 

On XX/XX/year> I received an email saying my next payment was coming up and was going to be for the entirety of my balance. I contacted XXXX XXXX at Synchrony customer service once again. I explained the problem and they reviewed my previous chat. I was then told once again that I should " just trust them '' and there was " nothing to worry about '' and that my autopay was still showing it would be debiting for only my set amount and that, again, it was a technical error. When asked why I should trust them and what would happen if the full balance was in fact taken from my payment account, I was not given an answer and just continually told to " trust them ''. On my account page itself, a new banner had appeared saying " your autpayment of XXXX  will be debited on XXXX '', where XXXX  was the amount I had set as a recurring payment. I asked if I should cancel my autopayment for the time being and was told not to change anything so the team can be sure to fix it and I don't fall behind on payments. I said I could make a separate payment, I would just need to know an actual minimum balance. I was told to leave the autopayment, it would only be my set amount, and they would have the minimum payment being displayed incorrectly corrected soon. 

Today, XX/XX/year>, my payment was removed from my checking account for the ENTIRETY of my balance. Nothing that they said was true. The message on my account saying my autopayment of XXXX  set amount would be debited was not true, I should never have trusted any of their representatives who clearly did not actually know what was happening and chaulked it up to a technical error without actually looking into anything. 

I returned to their chat today to tell them of the gross negligence and incompetence and asked how they were going to refund the payment and what they would do to make right the additional fees I would be incurring from my bank and to ensure I had the money returned before I fell behind on other bills as a result of this sudden, fully preventable, lack of funds. I was told they could send a refund check in XXXX weeks and nothing more. 

2 days before XXXX and they stole all of this money from me. And then some because of the fallout from this lack of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was suppose to remove this off my report.
Product: Debt collection

I have no affiliation with the number that is being contacted and I want them to stop using this number.
Product: Debt collection

Today at XXXX XXXX, Yesterday at XXXX XXXX Every day. yet another phone call about a debt collection. The company is Portfolio Recovery XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have both 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
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I sent out my personal information to be disputed/ corrected via certified mail. I have not received any signed returned correspondence that my information was properly received by the company and no other person or entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from Capital One asking to verify if I applied for a XXXX  credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

after numerous disputes XXXX refuses to report this XXXX XXXX account as charged off and not paid. this account is paid and the creditor agreed to delete upon payment.
Product: Credit reporting or other personal consumer reports

RE : EXPERIAN, XXXX, XXXX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages.

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.
Product: Credit reporting

I disputed inquiries that were not made by me, however I have not heard back from them. Each item marked in red is in fact an inquiry I allow. All others are not.
Product: Vehicle loan or lease

In XX/XX/2020 I purchased a vehicle after barely reaching a XXXX credit score for the first time in my life. The loan company, credit Acceptance Corp., said the payments I could afford but that was the farthest from the truth. When they put in the papers to sue me I answered with the fact I knew that gave me a loan I couldn't afford and as an admission of guilt in my eyes automatically offered me 80 % off. They have been sued all over thus country for doing exactly what I claim they did at the time. Even if I could pay it off the damage there done to my credit may never be fixable
Product: Checking or savings account

chime has not told me why i cant reopen my account