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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

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

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

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

XX/XX/2024 Members of the US Senate Committee on Banking , Housing, and Urban Affairs Fax No. XXXX Attached are copies of four letters that Ive sent ( by certified mail ) to Capital One in the past 2-1/2 months ; also attached is an unsigned letter from Capital One dated XX/XX/XXXX which I received yesterday ( this letter is the first and only communication that Ive received from Capital One in response to my numerous queries ). 
Candidly, I did not think it possible that any bank could be allowed to function in this manner. 
I would greatly appreciate your consideration of this matterthank you, XXXX XXXX XXXX CP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Attachments ( signed letters to Capital One dated XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024, and an unsigned letter from Capital One dated XX/XX/2024 ) CC : XXXX XXXX XXXX, XXXX Capital One Senator XXXX XXXX Senator XXXX XXXX Representative XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX or XXXX are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the information.
Product: Debt collection

XXXX XXXXXXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Am a natural person I am a living human being I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act that i have the right to privacy also violated 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish anything without my written or oral consent i will be doing a arraignment with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any 3rd party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form.

See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, XXXX, and waive ANY and ALL insinuated and or direct permission to Experian and the following companies that are listed below, to report these following items on my report. Experian is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :
Product: Debt collection

I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Fair Collections & Outsourcing. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never lived at. I have been a victim of Identity theft and this account should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit card or prepaid card

I have been unsuccessfully trying to dispute ALL these fraud charges for over a year since XXXX when i first inquired about these charges with Bank of America to XXXX starting the dispute. I have been a victim of identity theft and its effecting my business, banking relationship, and cash flow tremendously because im still making payments and on the hook for charges I didnt do. My cards were stolen and its been plenty of charges made that i am paying for to remain current client with BOA that I didnt do. Everytime we do an investigation the problem is BOA 's fraud department can only look back one year so the majority of charges are not even seen by rep anymore. Also when i first started this dispute the charges could be seen but you have to wait 90 days for an answer on disputes and its no inbound calls to this department to sort out so here i am another year later still disputing this because XXXX cant talk to anyone in department. All the fraud has been removed from previous disputes on same matter and charges have been ruled fraud that they could see and investigate but the issue is the charges started in XXXX and they are not able to be seen now by representatives. When i started this dispute the charges werent properly input so I had to wait 90 days and dispute again, so then even less charges were able to be seen from the past. This is why im reaching out I tried to resolve with the merchants but i cant resolve because i cant get information on account I didnt create to authenticate the charges all i can do is prove they were done on my card. Literally every transaction they investigated has been deemed fraud and that i didnt do it and its been adjusted on my account from my previous disputes about this same matter except the charges from past in XXXX the representatives cant see anymore. Attached are all charges between XXXX XXXX that have occured that have not been addressed due to bank of america back XXXX system only showing 12 month in review. 

Merchants that fraud came from are ALL charges from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ends in XXXX my open fraud case is XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor XXXX XXXX has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy. Under 15 USC 1681 Section 604 ( A ) Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states : A creditor my not treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$550.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$320.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied Neiman Marcus Store credit card / Capital One back in the Year XXXX. I signed up for e-statement since that is the way I manage my cards. I did not use my card often, but when I tried to log into my account to make a payment, my password did not work. I tried to reset my password but never receive the email for the link. ( I did check my Junk mail every time ). Because of that, I stopped using this card. 
But still, for the one purchase I made in XX/XX/XXXX ( before I finally realize how hard it is to have my online account actually work smoothly ), I had to pay over the phone with the late fee of {$60.00} since I can't log into my online account. Of course, the negative report shows up on my credit record. 
On XX/XX/XXXX year XXXX after talked with someone, I was told a fax number XXXX XXXX XXXX to sent my Removal Negative Status request to. I faxed over the letter explained the reason and ask them to remove the negative report. Even before I faxed out the letter, my trying to reset the password still failed. 
XX/XX/XXXX, I called them to check the status and was told their record shows that my reason is invalid. When I ask to speak to someone, they said no one can help me. I asked for the right department to help me, they said they don't know which department. When I asked to speak to the department which can help customers to reset their online account password, a person who works there told me he is not sure if he can help me. I asked for the Reset Password Request record of my account, they said they don't have it. 
This is very sad that when they don't do their part of work, their customers take the impaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several online disputes have been sent to EXPERIAN directly through their site as well as the CFPB portal. These disputes have included the FTC report, a copy of my DL and lease as well as proof that my identity has been compromised on the XXXX XXXX Yet, EXPERIAN has repeatedly refused to remove the once deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts from my credit report. Additionally, they reported that the fraudulent accounts has been verified by the data furnisher but have failed to provide me with such proof as required per FCRA regulations. Therefore, I am demanding to have these accounts removed from my credit report because it is a direct violation of my consumer rights to list fraudulent information on my credit report. PLEASE DELETE IMMEDIATELY!
Product: Debt collection

I disputed the full amount owed of @ XXXX to Alexander Rose a collection agency for XXXX XXXX   XXXX. I was illegally forced out of my apartment by XXXX XXXX management and Alexander Rose agency and the XXXX XXXX management have refused to validate my dispute and only keep providing the same information over and over. I have made severAL attempts since XX/XX/2019 to have the debt amounts validated and I have not received a proper dispute answer. I have then asked Alexander Rose agency to remove the debt and they have refused.
Product: Credit reporting or other personal consumer reports

My CIBIL score was recently updated inaccurately. 
Report Ref No Date Score XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited your XXXX office 4-5 times to seek assistance. 
Unfortunately, each visit has only resulted in further delays and unsatisfactory responses. The lack of resolution has caused considerable inconvenience and distress. 

I urgently request that my CIBIL score be reverted to its previously accurate state and that this matter be addressed with immediate attention. I would appreciate a prompt and effective resolution to avoid further escalation. 

Please let me know if you require any additional information or documentation from my end to facilitate this correction. I look forward to your prompt response. 
I filed my complaint online but nothing got resolved. I reached the main office XXXX and told my problem that my CIBIL score has decreased by XXXX points in one month and the service desk madam XXXX XXXX without any reply all system generated. Yes, I can admit that I have a bad system generated but there is a man and a team to remove the system I have a lot of trouble in providing data or other information to him, even though I have no outstanding or late payment in my current account, how come CIBIL is reduced by XXXX points in one month? This means that there is a management issue somewhere, if the MY data and report is bad, then WHY SHOW IN month of XX/XX/year> should not be seen, there is a difference of XXXX points between XXXX XXXX and XXXX XXXX... 
How to possible within one month XXXX point less in XXXX score I am visiting your office at XXXX XXXX XXXX she process same process and said totally system generation I am said I want to meet authorised person she said not allowed. 
Who should I go to and I have this problem so these people who have sent me the report showing outstanding are two accounts in my regular pay.

If my CIBIL problem is not resolved slowly, I will face a huge financial loss, who is responsible for Transunion CIBIL key sending wrong report bank I don't know what my problem is I am just saying that my CIBIL score was XXXX in XXXX now it has come to XXXX in XX/XX/XXXX points minus in one month please explain what is possible and Agreed, I have a system generation, but the one who deletes the system, but there is only one person who gives the data, but there is only one person.I would like to request you to slow down my problem as soon as possible Old cibil score control no XXXX XXXX 2024 XXXX New cibil score control no is XXXX XXXX Please let me know if any additional information or documentation is required from my end. I look forward to your swift action and a resolution to this issue. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

A phone call from Chase fraud called me saying my funds were being wired did I try to send money to someone. I said no. He asked for my last XXXX purchases on my XXXX checking and we need to do a reversal wire before I lose all my money. I HAVE NEVER DONE A WIRE TRANSFER IN MY LIFE. Chase set it up for me to initiate. He said this would be much quicker than going to a branch or Id lose all my money. The chase XXXX department guy was XXXX XXXX. He had me do XXXX dollars to discover bank where the money was already pending wire a XXXX XXXX a fraud chase XXXX of {$50000.00} with this address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX claiming it was XXXX doing all this for me to recover my money. 
He then had me do XXXX to XXXX. He said the funds would be held by Chase my accounts would shut down Id get new ones opened and the money would go right back. He kept insisting it was chase for XXXX hours XXXX minutes. I felt uneasy kept him on the line drove to chase and the line disconnected. Chase dragged me round and round XXXX hours with so many people NO clear answer to me. I filed with FBI and police department. XXXX devastated. I have a newborn and XXXX XXXX XXXX. No fraud alerts went off. Chase never called me nor my husband to say wait why are you emptying your account. I acted immediately. No one protected my money or me. XXXX devastated with chase for not picking this up especially when the account has been in existence for XXXX years never ever was there a wire transfer.
Product: Payday loan, title loan, or personal loan

first va was notified that I wasn't able to make payments ... I let them kno that no payments were allowed to be taken out of my account the continued to take payments out of my account unauthorized on XX/XX/XXXX for XXXX then on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX I called the local office on XX/XX/XXXX and asked for cand d mail only communication ... with local office where the manager was cursing me and hanging up on..I called corporate and turned her in and also notified them again that no authorization of payments were to come out of my account no further communication but my mail only ... abs they continued to debut my account..refused to return the funds that unauthorized and continued to call on XX/XX/XXXX, XX/XX/XXXX 2 times.. XX/XX/XXXX and XX/XX/XXXX from. local office and corporate office called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and 3 times on XX/XX/XXXX leaving messages for a return call.
Product: Money transfer, virtual currency, or money service

The company, Venmo, will not transfer funds in my account to my verified bank. I have been using their services for about two years with no changes on my part. Presently they have me communicating with a member of their " support '' team but continuously ask me to try certain actions but no success. I believe Venmo is trying to increase balances held in their account for their benefit. The " support '' team representative has requested I make a transfer from my Venmo app. I have but have yet to see a confirmation that it in the works.
Product: Debt or credit management

I was XXXX  tXXXX XXXX XXXX  for 10 years when I got out I had all kinds of credit account in my name that I nautrally did not make so they were disputed and granted but they continue to keep putting them back against me please help make this nightmare go away! Thank you so kindly