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

Inquiries were made without my authorization I have filed a FTC report. 
FTC report # XXXX The followings inquires were not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In roughly XXXX, I was called by an XXXX call center commissioned by Walmart to collect a debt. The representative stated I owed some outlandish amount nearing XXXX XXXX dollars American. I challenged the claim stating '' I find that hard to believe as I only have a XXXX dollar limit ''. The representative shrugged this off and proceeded to ask how I was to pay. I asked for an American counterpart with none given and hung up. I contacted GE money, who carried Walmart credit card accounts and informed them of the error. The representative opened my account and too was shocked and laughed at the error. He assured me it was cleared and I checked. It was XXXX balanced. 2 weeks and another phone call from XXXX this time willing to give me a break and I only owe XXXX XXXX. I hung up, immediately called the GE rep. Who was astonished that the amount had been again inflated from XXXX. He again XXXX the account, and I further asked him to close said account. It was done confirmed, and I have not looked back. Now Syncrony bank the new GE money crew are threatning me with a law suit of XXXX dollars in late fees, penalties etc. On an account I cant even get into to check as it is indeed closed. I have informed them of the latter and they in turn have sent me a supposed verification of the amount owed which is contrived of debt going back to XXXX, and skipping through the years of XXXX, and XXXX when closed. The information is not complete and contains only the penalties and late fees, but no actual charges for goods. I do not owe them, yet they are threatening wage garnishment in Oklahoma where i reside. When I tried to contact Walmarts fraud department I was given the number. When I contacted the number it was a direct line to the same group trying to sue me. This all sounds illegal and fraudulent.
Product: Credit reporting or other personal consumer reports

This formal complaint is presented to address the unlawful use of credit reports by financial institutions and credit reporting agencies, including but not limited to Equifax, XXXX, and XXXX. Credit reports constitute private property owned solely by the individuals whose financial data they represent. The unauthorized dissemination and utilization of this information violate property rights protected by the U.S. Constitution and relevant statutory laws. 

This document outlines specific legal violations, including the unauthorized dissemination of private financial data, the misuse of credit reports without consent, and violations of constitutional property rights. It provides supporting evidence and demands immediate corrective actions by the agencies addressed herein. 

KEY POINTS OF CONCERN 1. Credit Reports are Private Property Legal Basis : The personal identity, financial agreements, and transaction histories contained within credit reports are private property as defined under Article IV, Section 3, Clause 2 of the U.S. Constitution.

The Supreme Courts decision in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ), established that private property can not be taken or used without consent or just compensation. 

Statutes at Large, Vol. 48, p. 112, further reinforces protections against the unlawful use of private property. 

Violation : Credit reporting agencies and financial institutions have utilized and disseminated financial data without the explicit consent of the individual. This practice effectively appropriates private property for their gain. 

Examples : Incorrect information on credit reports, such as accounts that do not belong to the complainant, is reported without verification. 

Unauthorized inquiries from unknown sources are recorded without consent. 

2. Unlawful Public Reporting Without Consent Legal Basis : Dissemination of financial information without the explicit consent of the individual is prohibited under statutory and constitutional protections.

Statutes at Large, Vol. 74, p. 451, outlines prohibitions against unauthorized data sharing and privacy violations. 

Violation : The public and private sharing of personal financial information by credit reporting agencies without consent infringes on individuals right to privacy. 

Examples : Incorrect personal information such as wrong dates of birth, addresses, or names is shared with third parties. 

Improperly marked account statuses ( e.g., closed accounts shown as open ) cause harm to individuals ' reputations. 



CERTIFICATION AND VERIFICATION I hereby certify that the information contained in this complaint is true and accurate to the best of their knowledge. This presentment is made under penalty of law and attested on this XXXX day of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is failing to investigate and accept documentation from the FTC. The documentation provided directly from the FTC they responded its invalid. On XX/XX/year> at XXXX est I spoke with XXXX and he told me to file the ftc report AGAIN. So that it will match the month. THIS IS NOT ABOUT AN INQUIRY. THIS IS ABOUT THE XXXX ACOUNT LISTED ON MY REPORT, NOT INQUIRY. XXXX has moved the account already after following protocol. I have reached out to a lawyer for consumer protection and will be taking this to court as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent the sum of XXXX Euro to Coinbase to buy bitcoin, from my account at XXXX. 
On XX/XX/XXXX I emailed Coinbase making as query as to why the funds had not arrived, which was ignored. 
On XX/XX/XXXX, I received an email from coinbase stating that the funds were being returned as the names did not match on the accounts. 
I subsequently mailed on XXXX and XX/XX/XXXX with no response from Coinbase. 
I contacted them again on XX/XX/XXXX and this time received a response. After several mails backwards and forwards on the XXXX, asking me for various items to verify I had made the transfer, I was informed that it would be escalated. I still have not had a response. 
Judging from various postings on sites like XXXX and XXXX, this is a common ploy by Coinbase to delay resolving queries, or indeed just hope you give up. I know that the sum is relatively small, but I do n't think that this gives a company the right to hold on to funds without either applying to my account, or refunding. Many of the review sites are full of reviews of this company acting in such a manner.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information. 

Experian is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. It states the last payment was XX/XX/XXXX. I had an accident and the vehicle XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and Experian still have not furnished me the information. 

XXXX is reporting inaccurate information on my credit report. The date on my credit reporting of the date my account was closed is XX/XX/XXXX, that is inaccurate. I XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, they totaled my car out as of XX/XX/XXXX. That account was paid thru gap and XXXX XXXX XXXX in XXXX. I asked for proof of my late payments and XXXX still have not furnished me the information.
Product: Credit card or prepaid card

I file a dispute with Capital One regarding a charge on my account in XX/XX/2019. 
Upon filing the dispute, I was advised that I may or may not receive a provisional credit on my account. After filing dispute with Capital One, the company that I originally had issue with, offered a full refund. They advised me of the time frame that it would take to receive refund. I called Capital One and advised them that the dispute had been resolved, and was advised not to close out the claim, wait until the refund was actually received and that Capital One would close the claim themselves. 

I received the refund from the original vendor I received a letter on XX/XX/XXXX from Capital One that I would be re-billed ( credit removed ) That same day, Capital One did a re-bill on my account. However, the representative gave me a credit rather than re-bill. 
I had also been told that I would automatically be eligible for credit limit increase in XX/XX/XXXX. 

I was never advised of any error, mistake, correction etc. 

On XXXX XXXX, 19XXXX, XX/XX/2019 I checked my account, I was preparing to pay account down. I made a substantial payment on my account XX/XX/XXXX. 

On XX/XX/XXXX, upon checking my account to verify the payment had posted, I was shocked to see Capital One had re-billed my account twice to correct the error made by Capital One ( human error ). Upon speaking with Capital One, I was told this action also done on XX/XX/XXXX, the same day my statement closed. However this action did not show up on app or capitalone.com. These actions caused my account to now be close to 300 % over credit limit and close to 100 point drop in credit score. 

I still have yet to receive any written correspondence from Capital One. 

I was in the funding process for my business. Unfortunately, Capital One 's error and has cause my business to not be able to qualify to the funding at this time. 

To and insult to injury ... .my has approx. 7-8 accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/1989 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AR XXXX Resident type Single family XXXX XXXX XXXX XXXX, TN XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX , TN XXXX Resident type Single family
Product: Credit reporting or other personal consumer reports

Demand for Exclusion of Transactions from Consumer Report Pursuant to FCRA, 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the exclusion of specific transaction on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b, I demand the exclusion of the following transactions : XXXX - XXXX Under 15 U.S.C. 1666b, which establishes consumer rights concerning the reporting of disputed billing errors, it is explicitly required that consumers must be provided with all necessary disclosures as outlined in 15 U.S.C. 1637b. These disclosures are essential to ensure a consumer 's understanding of the terms and the extent of their obligations. Failure to provide these disclosures constitutes a clear violation of the FCRA and places an obligation on XXXX to exclude these disputed transactions from my report immediately.

It is well-established that the FCRA imposes a duty on consumer reporting agencies to maintain accurate and complete information. The failure to provide required disclosures directly violates my rights under the law and has been addressed in relevant court cases, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which affirmed that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information, especially when consumer rights are at stake. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), the court reiterated the consumer 's right to dispute and seek removal of incorrect or incomplete information in the absence of the required disclosures.

In light of these facts and the legal precedents set forth, I hereby demand the immediate exclusion of the aforementioned transactions from my consumer report. Failure to address this matter appropriately will leave me with no choice but to escalate this dispute, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action to protect my rights.

I expect a response within 30 days of receipt of this letter, as mandated by federal law.

Thank you for your prompt attention to this matter. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I entered a consumer credit transaction with USCB CORPORATION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that USCB CORPORATION claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. USCB CORPORATION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Checking or savings account

There have been over 100 (! ) cases where my First Citizen 's Bank ( FCB ) debit card, for which I am the Sole Authorized User and which has Always been in my possession, has been Fraudulently used. On XX/XX/XXXX, there were 14 uses transactions/uses of my debit card, including in XXXX states where I do not live. I have initiated 7 disputes, and heard nothing from FCB. On XX/XX/XXXX, FCB placed about $ XXXX in my account, related to disputed transactions - when I went to the branch, all monies had been withdrawn. This has created EXTREME FINANCIAL HARDSHIP for me and has taken a GREAT DEAL of my time. I am also HIGHLY CONCERNED as FCB is the only entity with which I have had this problem- it goes to Cybersecurity, which, for XXXX as A BANK [ holds money ]. should be very high, and FCB 's OWN INTERNAL PROCEDURES- this is THEFT, a huge amount, which as a Financial ; Institution, FCB has- I beleive - a RESPONSIBILITY TO HAVE INTERNAL PROTECTIONS, as the debit card was NOT lost or stolen ( which I would have reported ). This to me goes to BASIC Bank Responsibilities, possibly Fiduciary Duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX and onXX/XX/2020 JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I am writing to formally dispute an inaccurate collection account on my credit report. The account in question, reported by ( AMSHERCOLLECTIONSERVICE ), does not have any contractual or legitimate relationship with me, and I have never authorized this debt. This erroneous account is negatively impacting my credit and my future financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide documentation proving the validity of this debt, including the original contract with my signature. If this can not be verified, I respectfully request the immediate removal of this account from my credit report.
Product: Checking or savings account

I received a XXXX payment request for {$540.00} for XXXX  on XX/XX/2023 This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, I should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX  app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and zelle. 
ultimately they asked me to add the recipent " XXXX XXXX '' to zelle and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on zelle and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call Zelle. 
I called Zelle and they said the only thing they can do is to alert the recipient 's bank of the scam. 
I'd like to file a complaints against both XXXX  and Zelle for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. 
scammers make millions off of the third party payers like zelle and XXXX because they offer no protection to clients. They have an obligation to protect clients
Product: Mortgage

I found out about the foreclosure of my home through an outside lawyer. Rightpath has never told, mailed me or put a document on their website about foreclosure. For at least the last month I am not able to pay my mortgage on their website. It says call. I have called XXXX XXXX for two weeks. I had to file a complaint to cfpb just to have ILHAF  gain access my account details for a request they sent to Rightpath XX/XX/. ILHAF  did send them the full payment on XX/XX/, but it still is not showing on their website. I need to know when the date deadline is for my mortgage and have access to pay for it myself online.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED ACCESS OR SHARING OF STUDENT RECORDS FAILURE TO PROVIDE ME WITH ACCESS TO MY OWN RECORDS DATA BREACHES INVOLOVING PROTECTED STUDENT INFORMATION MY PERSONAL AND FINANCIAL INFORMATION WAS COMPROMISED WITHOUT MY AUTHORIZATION. THE FAMILY EDUCATION RIGHTS AND PRIVACY ACT, FERPA, PROTECTS THE CONFIDENTIALITY OF STUDENT RECORDS. THIS DATA BREACH IS A CLEAR VILATION OF FERPA AND YOUR RESPONISBILITY TO SAFEGUARD MY INFORMATION. GIVEN THE SEVERITY OF THIS DATA BREACH AND RESULTING COMPROMISE TO MY PERSONAL AND FINANICAL INFORMATION, I REQUEST THAT YOU IMMEDIATELY CANCEL AND DISCHARGE MY STUDENT LOAN DEBT.
Product: Debt collection

Southwest Credit Group. They call repeatedly. I don't even owe them anything. They can't show me anything anyway. They are harassing me. There number is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you find a Validity of Debt Letter that questions just how this account is even being reported to my account not to mention the discrepancies and inaccurate reporting. Who verifed this account? I'll answer no one verified the account as it states on my attached consumer report!! I demand this account XXXX XXXX XXXX XXXX. be removed from my consumer report!