23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX  and Equifax are all in violation due to not responding back in time. I demand these accounts to be verified or removed immediately or I will file for litigation due to the stressed you caused me.
Product: Money transfer, virtual currency, or money service

I can't link my PNC account to XXXX. Really wish I would have know that before I sent all my money to them!!
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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I filed a compliant with CFPB about unsolicited mail previously ( CFPB Case No : XXXX ). Now Capital One has responded indicating they shared my information with Kohls and Saks without my permission. They offer a 3 removal not the permanent removal under standard credit bureau rules.

I find a 3 year removal unacceptable and unsatisfactory. I REQUIRE a permanent removal, furthermore my information was shared with 3rd parties ( Kohls & Saks ) according to their letter without my permission. If they contact me, I will take it as a violation of affiliate sharing laws and file another compliant both based on those grounds at the State and Federal level. I don't believe that Capital One " abides by all applicable laws and regulations ''. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines. If this is not resolved I will start looking for leaders that work for Capital One on XXXX and start contacting them with this issue and response letter. Then as I indicated previously, I will file a series of complaints against Capital One, Kohls and Saks. I will attach this original letter and compliant with the unsolicited mailer. I will make sure that Kohls and Saks are aware that my information was shared without my permission when filing the complaints by Capital One. I will continue aggressively pursue action against Capital One until my name is removed permanently and not shared with 3rd parties. No, not removed permanently. Personal information shared without a privacy notification or an existing relationship per affiliate sharing guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey CFPB, Today I'm sending a message to you guys in regards in removing an inaccurate/Duplicate inquiry from XXXX XXXX. I received a copy of my credit report and found that my credit report was pulled twice on the same day ( XX/XX/XXXX ), which is an error. It was pulled Twice from my Experian credit bureau. From my understanding of CFPB, you guys will recheck the items with the creditor who has posted them. 



Also, on XX/XX/XXXX, my credit report was also pulled as well. Please have the XXXX XXXX ( the creditor ) recheck the item. 

If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX XXXX
Product: Debt collection

My XXXX XXXX open accounts in my name without my permission.
Product: Checking or savings account

On or about XX/XX/2019 Navy Federal restricted all of my accounts with its financial institution stating that I breached contract. In XXXX I allowed my mother XXXX XXXX XXXX to sign into my business online banking and sign a business check on my behalf. XXXX XXXX XXXX at the time and still is due to personal reasons is my power of attorney. Under a Power of attorney no laws or contracts could have or have been breached. Navy federal restricted all of my accounts both personal and business which prevented me access to online banking, daily transactions with my checking and savings account, credit cards and lines of credit. Navy Federal Credit Union is in violation of adhering to GAAP principles and is obstructing the banking system. I have made several attempts to overturn this matter with the security department & have been informed this decision is final. I intend on pursuing this matter also with the Attorney General and the FTC. Attached please find Affidavit of truth and POA that was in place at the time Navy Federal stated that I was in violation/ breach of contract. Navy Federal still has all of my accounts open but I have no access to them but they still want payment on said restricted accounts.
Product: Debt collection

Since XX/XX/2021 I have been receiving repeated and harassing telephone calls from Affiliate Asset Solutions a debt collection agency located in XXXXXXXX XXXX, GA. The debt is unknown. In addition, Affiliate Asset Solutions has deliberately falsified the information transmitted to my caller ID display in order to disguise their identity. I have recorded calls from ( XXXX ) XXXX and ( XXXX ) XXXX. I was able to trace these numbers as belonging to Affiliate Asset Solutions. Their registered telephone number is ( XXXX ) XXXX. On XX/XX/2021 a recorded voicemail message from ( XXXX ) XXXX was left stating " court action '' was being taking against me. The message is believed to have been left by Affiliate Asset Solutions. Per the Fair Debt Collection Practices Act ( " FDCPA '' ) a collector is required to send a written " validation notice '' within five days of first contacting you. However, I have not received this notice from Affiliate Asset Solutions and the right to dispute the validity of the alleged debt.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the LOCAL FINANCE COMPANY for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/XXXX XXXX XXXX  alongside with this complaint is the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

verbiage 75 % XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 



The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was refused a Capital One card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the Civil Rights Office because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.
Product: Credit card

I closed an account with Citibank Visa on XX/XX/year> and paid the balance due. The credit card company failed close the account on their end on XX/XX/XXXX, which they verified on a phone call on approximately XX/XX/year>. As a result, some recurring charges went through. These charges were supposed to be cancelled with the provider but did not go through. I then began getting collection calls from Citibank for an account that I believed was closed. I called Citibank customer service on or about XX/XX/year> to figure out what was going on. I was told that they had in their paperwork that the account was supposed to be closed on XX/XX/year>, but they failed to do so. I was informed that they were able to waive all late fees but not the charges. I told them I didn't think I should pay for charges that they were not authorized to accept on my behalf. I escalated to three supervisors and was finally told that the issue would be fixed and I would get a call back in XXXX business days confirming it. I never got a call back. I called yesterday and spent about XXXX minutes on the phone explaining everything to multiple people only to get kicked back to the automated queue. I called today and again explained the situation to multiple people. 
One person told me that she saw the credits on my account but that for some reason the account was still showing a balance. She asked to put me on a brief hold to figure out what was going on. A man immediately picked up who had no knowledge of my situation. I again explained everything to him. he did not understand and I asked to speak to his supervisor. I explained everything to his supervisor and she hung up on me. They have my cell phone number and I have not received a call back. I feel that the company is deliberately trying to make this as difficult as possible so that I will just give up and pay.
Product: Vehicle loan or lease

Late payments are being reported on my credit.I have contact company to update inaccurate late payment on XX/XX/year> and XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I'm writing to draw your attention to numerous inconsistencies in the openly accessible credit data. In accordance with Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you must physically confirm the original signed consumer contract in order to confirm the accuracy of the accounts on a credit report. Failing to comply with this could lead to reports of bogus accounts. 


I respectfully ask to view verifiable documentation for the account listed below, such as an original consumer contract including my signature. 

To keep my credit access intact, it is critical that I make sure my credit report is accurate. The FCRA requires that the account be deleted if it can not be positively verified. 

I demand that the following account be validated or removed immediately : Account Number XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$1800.00XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this accounts that is not mine and i want it to be remove from my credit. 


1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Debt collection

I have received communication f rom Team Recovery Inc r egarding multiple medical bills ( see attached documents ) that they are trying to collect on behalf of  XXXX   XXXX   XXXX   XXXX . I requested validation of debt and received letter of verification of debt. Upon further review of documents. I noticed my insurance company was not billed  for some of the services provided. PHI is also listed on documents that I received which is a violation of the HIPAA laws. I have requested for these accounts to be deleted for inaccurate and unfair reporting. While some accounts have been deleted from   XXXX   and  XXXX . They have refused to delete accounts from  XXXX . This inaccurate reporting has severely damaged my credit rating.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX. 's ( XXXX ) Attorney XXXX XXXX XXXX ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called Capital One and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XX/XX/XXXX - XX/XX/year> XX/XX/XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

on XXXX XXXX, certified mail was set to transunion, its contents included information off alleged identity theft, US government issued identification, and a notarized letter with my signed statement stating that the information listed was not a transaction made by me. 
According to title 12 us code 1681c-2 credit reporting agency has no more than 4 days to remove any information that is identified as a alleged identity theft. 
i called transunion on XX/XX/2023 XXXX, after receiving a letter that my request was denied. i spoke with XXXX XXXX of the specialized fraud department who stated i have rights when it comes to what is being reported on my credit report. i mentioned several times that according to title 15 us code 1681b written instruction y the consumer of whom it relates is needed and was told by XXXX XXXX that i have no right to this law. 
transunion continuously disregards the Fair Credit Reporting Act as well as the Consumer Credit Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Studen Loan accounts reported late for over 2 years dating back to XXXX and XXXX of 2020. These were reported 2 times each on 4 loans for a total of 8 late payments dropping my score more then XXXX points. Grievously effecting my credit report when this information is in fact false. There will be a payment receipt attached this was given to me directly from the lender to have this problem corrected. 

Laws Broken : 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 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
Product: Checking or savings account

On XX/XX/22, I received an email from Truist that my account had been locked due to too many login attempts, and I needed to call them. I called them at XXXX est and was on hold for 79 minutes. The Truist rep picked up the phone and then hung up on me. I then called back and was on hold for 47 minutes, and someone picked up and then hung up again. I tried the automated helpline and was supposed to get a text to reset my password. I never received the text. I called the local branch, and nobody answered. I called another branch for help, and he acknowledged this was happening to many people, and there was nothing that a branch could do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Report act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions. 

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
Product: Credit reporting or other personal consumer reports

I received an account breach email at the beginning of the year from evolve a bank i use through several credit advance apps, I ignored tge email thinking it was scam mail. So later in the year my score drastically drops i started getting credit card bills that I have never know my name and address current and older has unknown addresses on them. I received a second breach email from evolve but wasn't sure what to do with it until I found out through XXXX  XXXX that my social had been used 6 times in XXXX for health coverage so I asked them what to do and they referred me to you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have proof of total loss
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

I am.filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.