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

I recently review a copy of my credit report and notice I had fruadulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Hello- Yes I have an account showing as negative on my credit that does not belong to me. I have contacted XXXX  as well as the company itself. I have no knowledge of this account. Whenever I contacted the Creditor, they were unable to provide me with documentation for the amount that they are claiming is mine. {$1800.00}. I pay all of my bill on time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 60A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C Section 1681c ( a ) ( 5 ) : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C Section 1681 s-2 ( A ) ( 1 ) A person can not furnish information relating 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

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 XXXX 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 XXXX 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: Checking or savings account

I signed up for chime with my moms referral link for a sign up bonus and referral bonus {$100.00} for me and my mom they said yeah you qualified you will get the money to a supervisor telling me I dont get it? They do not need to advertise something and then tell me no were not doing it thats wrong.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX, Since then the account has been updated as charged off every month. This is an update in the payment history. A charged of account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXXXXXX   Last Activity XX/XX/XXXXXXXX  Type Credit Card Responsibility Individual Remarks Purchased By Another XXXX XXXX 30/60/90 Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance {$690.00} High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history No history is available Creditor information XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXXXXXX  Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 86 % of payments for this account on time. 
XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By XXXX XXXX, Transferred To Another Lender Times 30/60/90 Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeo XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Beginning XX/XX/2024, Bright Lending charged feed that I was unaware of. Can not stop payments from my account and the hidden fees are where not clarified! It is current to this day and balance and fees remain the same but were not brought to my attention XX/XX/2024.
Product: Debt collection

The debt is related to cable company TV box, returned in New York in 2016, and mistakenly recorded as not paid. Have since resolved the issue with the cable company, but the debt was sold to a collection agency. Since then, have been receiving letters and phone calls about the debt. Now, the debt appeared on my credit report.
Product: Credit card or prepaid card

1 ) INDIGO the company mailed me a letter dated XX/XX/XXXX regarding a renewal fee of {$120.00} on XX/XX/XXXX. Then INDIGO goes on to tell that If i want to avoid paying the {$120.00} fee I must notify them and close my account with in 30 days. It's impossible to notify them within 30 days since they just mailed a letter XX/XX/XXXX. They are crooks! That would have only given me 3 three days to notify them. I just received this letter today XX/XX/XXXX. I want INDIGO to close my account effective the date you mailed me the of XX/XX/XXXX not XX/XX/XXXX. I WILL NOT PAY THE FEE CLOSE MY ACCOUNT IMMEDIATELY. I filed another complaint with the Attorney General Office. I will pay my balance on my account of {$420.00} and close my account. I refuse to pay the renewal fee of {$120.00} that I just received on XX/XX/XXXX. 
YOU MAILED ME A LETTER DATED XX/XX/XXXX DENYING ENROLLMENT INTO A DISASTER RELIEF PROGRAM THAT I NEVER INQUIRED ABOUT, TALKED ABOUT, CONSIDERED, NEED, OR CONTACTED YOU ABOUT. SO HOW IN THE XXXX I GET THIS LETTER? 

2 ) I have Not contacted INDIGO to enroll in their Disaster Relief Program. Where INDIGO is getting this fraudulent request from because it was NOT me? For real who is fraudulently accessing my information and discussing disaster relief plans with INDIGO? 
I DID NOT CONSENT or AUTHORIZE an application to enroll in a Disaster Relief program. I did NOT contact INDIGO discussing my finances never. I NEED INDIGO TO SHOW ME THESE alleged applications, calls, or letters. INDIGO can NOT because they do not exists. this will make 4 different ones on four different violations you the CFPB and an ATtorney General report.
Product: Money transfer, virtual currency, or money service

JPMorgan Chase & Co which manages XXXX 's client funds literally stole XXXX from our bank account when a former client XXXX XXXX did a XXXX XXXX XXXX XXXX on her XXXX XXXX XXXX. Even though we provided the signed XXXX XXXX contract, detailed XXXX XXXX invoice showing legal services performed/received, as well as legal work product, these thieves ripped our duly earned legal fees out of XXXX and thusly confiscated another clients XXXX  to compensate, XXXX XXXX XXXX Please urgently investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on 4 occasions and sent in all documents requested to remove the in accurate incorrect Bankruptcy on my file, I have not gotten back any information from them I've called now for the 5th time in 5 months and still haven't received any resolution to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my Check System report. After reviewing my report, I have identified an error requiring immediate attention and correction.
Product: Credit reporting or other personal consumer reports

they are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law.

15 USC 1666B
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I have received these fraudulent Credit collections on my XXXX Credit Bureau Report from ASCEDIUM EDUCATION/NAVIENT/USA FUNDS. I have sent a letter to the company and XXXX dispute stating that I want them removed. I have never taken out a Student Loan and I want these collections removed!
Product: Debt collection

Received debt collection letter in XX/XX/2021 for medical bill. Never received previous medical bill from provider. In XX/XX/2021, sent dispute letter asking for copy of last billing statement, amount of debt, amount of reductions since billing statement, when debt became due, and whether debt was within statute of limitations. 

We knew the debt from collection agency was wrong because insurance had recently made a payment after the provider finally billed them in late XXXX or early XXXX. The provider didn't send a complete claim to insurance until after they contacted the debt collector. The collector never responded to the dispute notice or any of our questions. They only provided a new bill for the correct amount in XXXX and ignored our previous communication entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report negatively on an account that has been fixed per XXXX ( XXXX ) XXXX XXXX XXXXXXXX, XXXX. I have disputed the account now 4 times and each time the account changes or new delinquencies are added to the account. In addition to the account being closed since XX/XX/XXXX Equifax continues to change the status of the account. Currently the account is showing that XX/XX/XXXX and XX/XX/XXXX are past due when I have spoke with XXXX and they continue to state that they are reporting to Equifax that there were no late payments and the account is closed since XX/XX/XXXX. Disputes were submitted to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX where the company reports no changes to be made. However again I have spoke with XXXX XXXX and they state they have submitted and responded to Equifax and changed the late payments with them. The account still shows late payments for those two months and verbiage stating the account had a balloon payment with past due amounts which was just added with this last dispute and again is incorrect. It is very unfortunate that this has been an issue for over a year and that the companies can not fix the issue on their own.
Product: Debt collection

I have been pregnant for the past 3 years. I have only went to XXXX XXXX. This company saying that I owe them and I never went there. It says it was open on XXXX 2015 well at that time I had medicaid and all doctor visits would have been covered. Plus I have insurance of my own with my job. I told them multiple times this is not my account. However they keep reporting to my credit report. When I know that it is against the law to do. With death validation and if they do n't have all XXXX legal binding documents which I know that they do n't because it 's not mines.
Product: Checking or savings account

Wells fargo removed $ XXXX from my bank account. I have been given different information regarding where the funds are.
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX {$13000.00}. 
THESE ARE THE INQUIRYS : 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  Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue that I have been experiencing with XXXX, XXXX, and Experian. Despite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. 

I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been met with resistance from XXXX, XXXX, and Experian when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information. 

This situation has caused a great deal of stress and XXXX for me. The fraudulent activity on my credit report has impacted my ability to secure loans, credit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports. 

I request that you investigate this matter and take the appropriate steps to ensure that XXXX, XXXX, and Experian are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # AACA Account Name : AFFIRM XXXX # XXXX Account Name : UPLIFTINC # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX  XXXX Account Name XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : ( Original Creditor ) # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
XXXX, XXXX, AND XXXX CONTINUE TO VERIFY THIS INFORMATION. I HAVE REQUEST XXXX TIMES IN THE PAST XXXX YEARS FOR INFO AND I HAVE BEEN DENIED AND MY RIGHT ARE BEING VOILATED. 
Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2022 I attempted to submit a request for Validation and Debt dispute. 

I have XXXX  and speaking on the phone to people causes me XXXX, I decided to use the chat feature and I found myself talking to a customer service agent who refused to acknowledge my request or document it on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX FXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, 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 an account without my written instructions
Product: Checking or savings account

I received a mailer with a unique code to apply for a HSBC checking account in XX/XX/2019, with an offer for {$350.00} bonus if bringing in {$10000.00} new money in the bank account. I immediately transfer the money in and wait almost 6 months ( since the promotion said bonus will be posted 6-8 weeks after 90 days ). After 5 months I contacted customer service to see what's happening and they said they will open a case to see why it's not posted. Noone contacts me and 1-2 weeks later I called them again, they said my account is disqualified because of 2 reasons. The 1st reason is i have had a relationship with them before in the last 3 years ( and when I asked them what relationship, they couldnt identify or tell me anything about it ). There is no location near me so I couldnt have had one with them, and they couldnt find it in their system to give me more info. The 2nd reason is that they didnt find an offer attached to my account when it was opened. This is ridiculous since it has a unique code send to me, and when I clicked apply, the offer was successfully applied.

I feel like HSBC is de-frauding me and not giving me the bonus as advertised, and the reasons they give me for denying me the bonus is bogus and there is noway I can prove anything or disprove anything with them.