23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX  {$590.00} XX/XX/year> 15 U.S.C , 1681section 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. 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 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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX and XXXX XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency und
er false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$XXXX} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$XXXX}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB
Product: Debt collection

I did not realize I owed a debt until I went in to get a new loan and found these on my credit report. I called the insurance company and they gave me the number of the credit company. I called the credit company and they refused to accept payment and said my account was on hold. I can't get a loan without paying these off, and they won't accept payment or take them off my credit. At this point I am very upset and frustrated there is no avenue to resolve this.
Product: Bank account or service

Chase Bank has moved it 's bank out of XXXX, Nevada as well as all it 's remaining ATMs causing extreme hardship to it 's customers. I have been with the bank for over 30 years and have never had the hardships of 'no way to deposit funds ' into my accounts as I have experienced here in XXXX , Nevada . The closest ATM is listed on their web site as XXXX miles away. It has certainly caused an increase in fees and overdrafts costs. Chase refuses to comment on the matter.
Product: Credit reporting or other personal consumer reports

I recently reviewing my credit report and it shows {$240000.00} in student loans, which is more than double what I actually have. My loans were originally serviced by Nelnet, but as of XX/XX/XXXX, my loan servicer is now XXXX. Instead of the Nelnet loans showing up as transferred or closed, they showed up as open. I submitted a dispute on XXXX on XX/XX/XXXX and received an email that my dispute was resolved. It is not resolved. The Nelnet loans are still showing up on my report as open, but now they say Open/Never late. My loans need to say closed with a balance of {$0.00} since XXXX is now handling my student loan balances.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau c/o Case Manager XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : The purpose of this letter to request a claim be opened against Capital One over unethical business practices and business errors made by their Fraud Department in XXXX. Please find the details below. 

In XXXX and XXXX of XXXX, my Capital One Venture card account ending in XXXX experienced several fraudulent transactions included unauthorized purchases and payments resulting in several thousand dollars of fraud. As per the terms of service provided by Capital One, I contacted the fraud department in XXXX of XXXX to report the fraudulent activity. The representative from Capital One went line by line through my transaction history to verify which purchases were mine and which were fraudulent. After verifying this information, I informed the representative that all other transactions were fraudulent. The account was credited, and I acquired a final payoff balance in XX/XX/XXXX where the account was then closed. 

Beginning in XX/XX/XXXX, I started receiving mail and phone calls from Capital One informing me that I owed {$5600.00} due to returned payments on the closed account. In several telephone conversations, I informed that I would not pay for fraudulent transactions on the account and had reported all such transactions the previous year. The representatives, and account manager, informed me that I was responsible for the balance as the payment from the previous year was returned. My question to them was, if they had done the appropriate fraud investigation on all fraudulent transactions as I reported, how could they come back almost a year later and tell me I owed such a balance? I told them that since their fraud department failed to do its duty and responsibility to conduct a thorough investigation, they would need to either absorb the balance or re-open the fraud case and pursue the individual responsible. They continue to harass me with mail and phone calls about this balance. 

I am asking that the Consumer Financial Protection Bureau step in, open a claim against Capital One for their unethical business practices and poor business practices, and clear my closed account of the balance and subsequent record on my credit report. If you have questions or need further clarification, please contact me at XXXX XXXX XXXX
Product: Credit card or prepaid card

My account with Synchrony was opened for {$1500.00}, because i had major transmission work done and did not have enough credit cards to spread the enormous expense over. They offered 12 months of interest free payment ( 30 % deferred APR ). I was paying down, on the average more than the minimum, on a monthly schedule. On X/XX/2017 after 12 months and a balance of {$780.00}, had expired i was hit with a {$450.00} interest charge. Now my balance went up to {$1200.00}. I immediately called them and asked why did they do that and they said that it was in their contract, which i never read since i opened this card at XXXX transmission and all i had to do is sign. I never had or had the opportunity to read any contracts. Also, no one ever discussed or disclosed that the interest will balloon at end of 12 months. I asked to talk to their supervisor or someone higher up the org-chart and they said i need to call next business day. I called several times between late XX/XX/XXXXand XX/XX/XXXX. Each time they put me on very long hold times 1.5hours or longer as i tried to get in touch with their supervisor to explain what is going on. Last time i called and asked to pay off the original debt and was put on hold again for well over 2hours. I do not have time to wait on the phone for unreasonable amounts of time as i need to work and have responsibilities. I called all 5 of my other credit cards and all the banks said that after their deferred APR expires normally the regular annual APR kicks in. There is NO Ballooned interest with any of the other credit agencies. I believe this bank is practicing unethically and possibly criminally. I want to pay off my original debt in one lump sum and be done with it. <P/>Please help!!!! <P/>Thank you. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX
Product: Debt collection

Amsher Collections Services has violated my rights as a consumer by furnishing reports in connection with credit transactions not initiated by me the consumer. I do not owe any debt to XXXX. 

Pursuant to FCRA 15 usc 1681 Truth in Lending 15 usc 1601 FDCPA 15 usc 1692 all negative accounts must be removed. all collection accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TWO COLLECTIONS ON MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE XXXX XXXXd and the XXXX company OF I HAVE NEVER BEEN THERE AND IWAS NEVER WARNED BEFORE THIS WAS PUT ON MY CREDIT PROFILE OF OTH PLACES THE XXXX  IS IN TENNESSE I STAY IN NC THIS IS CLEARLY IDENTITY THEFT OR A MISTAKE ALSO THERE ARE INQUIRIES THT ARE NOT MINE I REQEST THEYBE REMOVED I HAVE ATTACHED MY FTC REPORT also on one of the credit report it has my last four social as XXXX which is not correct please fix this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

when to the car dealership to purchase a vehicle i was told they only going to run my credit with, XXXX XXXX XXXX. 
now i have multiple hard inquiries. I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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: Debt collection

In 2021 by XXXX or XXXX i went to my nearest XXXX 's XXXX and there was an XXXX XXXX XXXX stand and they had a promotion that came with XXXX new cellphones and i signed up for it. Within a week i received the XXXX new devices and they were able to activate only XXXX line. They couldn't activate my XXXX  line and since they couldn't fix the problem i told them that i wanted to cancel my plan with them and also i was going to return the XXXX new devices which i did. They told me not to worry about it that they were going to take care of that and at the same time they sent me tha labels and boxes to ship back the devices. All that happened within a month and in the second month they sent an invoice of XXXX dollars. I call them multiple times about that and they kept saying it was an error that they were going to take care of that and they never did. Now i just realized they sent me to collection and i also contacted the collection agency I.C. System Inc and they told me to reach out XXXX XXXX XXXX  again and when i called XXXX XXXX XXXX and sent me back to the agency I.C. System. They are just playing with me back and forth. This is just a scam, if they do this to everybody this is thousands of dollars scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of XXXX  has been rough. Please help me resolve this
Product: Debt collection

Debt collector threatened to sue me over time barred debt. When I told them this threat was illegal they told me it was not. They said they were an attorney who bought this debt & they would be serving me in the next few days with a lawsuit over this time barred debt. After hanging up with them they immediately called me back to threaten & harass me further.
Product: Credit reporting

Upon reviewing my Equifax credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Product: Credit reporting or other personal consumer reports

I have noticed two credit card accounts on my credit reports with the following companies : XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  XXXX Those accounts were not opened by me and are a result of identity theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> an unauthorized transaction for US {$2500.00} using XXXX. I immediately called wellsfargo and reported the fraud, closed the account and followed all the procedures but they still denied the claim.
Product: Credit card or prepaid card

Someone opened a capital one card in my name and I'm just finding out about it. I have never got or used card .I signed up for a free trial with XXXX  and found out I had capital one card in my name and now I am getting in debt for something that I'm not even using.
Product: Debt collection

I called about three weeks from today and inquired about the letter that was sent to me about a settlement offer. In the offer its states that they have a very special offer to resolve your unpaid balance. Also that they are willing to settle my account for 75 % of the balance due as stated above. When I called the young lady told me that they dont settle for 75 % and they can only do it for 25 %. I read the letter to her a few times and from what I was told that was in correct.
Product: Credit reporting or other personal consumer reports

Since the beginning of XX/XX/2022 I have been trying to get this matter resolved with this unknown third party company that currently has my information. I have asked for proof of such alleged debt with this company by asking for the original promissary note with my wet signature and also a audit trail of all documents regarding this account. This company has failed to provide me with proper information. They have only responded with sending a itemized statement that does not prove any such debt exist. 
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Product: Credit card or prepaid card

This is Bluebird American Express. This is for my daughter who is XXXX sub account XXXX XXXX. I called customer service because she has a balance of {$6.00} on her card which I tried to transfer to my main account because for some reason they have suspended her account with no explanation. I can also see in the details they made a {$15.00} payment adjustment which she didnt owe so they literally took that money for no reason. I called customer service they had no explanation of why we cant access her account anymore and why they suspended the account. I wrote a letter to them as requested and still can not access the funds and its been long enough. My account and my sons account are working fine, but we can not access her account at all or use the funds. They are illegally holding it and we have done nothing wrong. I can not even close the account to access the funds.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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.