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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

A fraudulent charge of {$120.00} appeared on my account, so I called to report it and had them close the account. Weeks later I am being billed for the fraudulent charge with threats of interest being added if not paid.
Product: Credit card or prepaid card

I purchased a vanilla prepaid Visa card at XXXX because I needed a card until my bank could mail me my new debit card. I paid {$4.00} for the card and put {$300.00}. On the card at XXXX. I tried to use the card multiple times only to find out it was frozen every time I had to call the XXXX number and wait on hold for no less that XXXX minutes each time once at a gas station the clerk actually let me borrow money to get back home humiliating! I finally got a hold of someone that basically told that if I didnt like it that they would change the card as compromised and it would be XXXX XXXX until they finished the investigation I hung up and today after over a XXXX on the phone Im told my card has been canceled and they will send me a new card in the mail after XXXX XXXX I have no idea how they can be in business still. I needed to pay a utility bill and I cant now this is unacceptable I have a child with special needs that needs the electric on and I have never been treated so rudely before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and experian reporting mortgage as new when it is the same mortgage for 20 plus years it was just refinanced and reflects on score as such
Product: Credit card

I have a " Visa Signature Rewards '' credit card with my Fidelity account that I believe is managed by Elan Financial Services, because this is the fine print at the bottom of that page on their web portal : -- -- - Credit card information, statements, and card terms and conditions are provided by Elan Financial Services Fidelity XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm having repeated difficulty with Fidelity holding deposited funds for additional days, resulting in returned auto-draft payments for the affiliated credit card account and substantial ( {$41.00} each ) returned payment fees. Fidelity has given me inconsistent and incorrect information regarding the " funds availability '' of deposits into the individual cash management account from which the credit card payments are auto-drafted each month. The general excuse from Fidelity seems to be " we're not a real bank '', so unlike banks, they aren't required to abide by the XXXX XXXX XXXX requirements. I was told previously that for deposits ( check photos by phone ) under a certain amount, the funds are available the next day, otherwise it's XXXX days. I've complained about this several times previously, and each time I'm told a different limit- {$600.00}? {$250.00}? but today I was told any funds are held XXXX days. Regardless, I made a deposit on XX/XX/XXXX of {$390.00}, saw it was " available to trade '' on XX/XX/XXXX, yet my credit card auto-draft payment was returned and I was again charged a {$41.00} returned payment fee. Elan Financial has previously refunded a few of these fees, but the underlying issue between Fidelity and Elan remains.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

RE : Intent to file lawsuit, HIPAA Privacy Violation Please be advised I have requested validation { not verification } of an item reported to credit bureaus by TSC A/R solutions. I have received a response that clearly violates my rights according to HIPAA.

TSC A/R Solutions did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against TSC A/R solutions should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.
Product: Vehicle loan or lease

Company : GM Financial Date : XX/XX/2019 ( Date of Notice0 Issue : Negative reporting to credit agencies Summary : GM Financial company reported one time 30 days of delinquency on my car loan payment. I had auto-payment set up for this account, hence I was under impression that the payments were being made in a timely matter. I received a notice from GM Financial in writing without any prior phone call nor notice in XXXX. Upon receiving a notice, I took care of the late payments right away and have asked my bank to look into the auto-pay system. I have asked the company to remove any negative reporting on my credit score, but they stated this issue should be resolved with the credit bureau. The GM Financial acknowledged electronic mistakes from both sides and waived late payment fees. I am writing to request the Consumer Financial Protection Bureau to remove this one-time negative report on my account. Thank you very much and please do not contact me if you have any questions or concerns.
Product: Credit reporting or other personal consumer reports

AUTONATION FINANCE XX/XX/year> {$1000.00} Disputed on XX/XX/year> Said it was accurate on XX/XX/year> But i do not own this debt I have never dealt with this company before it is fraud. I do not know this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have complained about this. See Complaint # XXXX, from last year. 

Comenitycapital/BjXXXX This credit card/ bank is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my XXXX  Report as a charge off. This account should be reported " Included In Bankruptcy ''
Product: Vehicle loan or lease

I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on fille is incorrect :
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned 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
Product: Debt collection

on XX/XX/2022 I drove myself to the XXXX XXXX per orders from my XXXX doctor office. I had passed out at my home, after I woke up, I tried to make an appointment with my doctor 's office. and they ordered me to go to the ER, I walked into the ER and they admitted me. I spoke with the nurse and ER doctor, and he wanted me to stay, and I refused, I told him I was following the orders of my primary doctor 's office. He told me I could stay for a few hours to make sure. I was drugged and woke up, in a upstairs room where the nurses said I was staying for XXXX XXXX XXXX days. I demanded to be release, and the nurses argue with me and I demanded to speak with the head nurse, I demanded to be release, because I did NOT feel save in a hospital room, she told me I would need to speak with my assigned doctor, I walked out the next day and suddenly I started to get phone calls and letters demanding payment. My medical insurance pay for the ER visit I was never authorized for me to stay in the upstairs room. 
I am being harassed with phone calls from bill XXXX. I spoke with the hospital administrators and expressed my dissatisfaction on how I was drugged and force to stay and there was only a minor setback on my health due to stress. 
I was given a prescription for XXXX. I need these bill XXXX to stop the phone calls.
Product: Checking or savings account

American Express Personal Savings doesn't provide pdf  statements and/or downloadable account activity in XXXX  or XXXX. 

They only provide downloadable activity for consumers with XXXX  or XXXX XXXX software. 

These to formats limit certain users to access their account activity and/or records. 

As an example, apple platform devices no longer have the ability to open these type of files ; unless you have an accounting software license / subscription. 

All banks offer the option to download in XXXX, XXXX and pdf statements for consumers to monitor their accounts activity and records. American Express Personal Savings should offer it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2023 I was emailed by chase bank regarding an open account that I did not apply for. Contacted back to report fraud and identity theft. Bank closed card but directed to XXXX to report. Contacted XXXX and informed of the situation was then directed to file a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a not permitted this company to check my credit no knowelegge about this company
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  XXXX XXXX Account Number : XXXX Account Name : 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 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 reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If they chose to not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please delete any item that are found to be inaccurate or unverifiable or outdated. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the handling of my disputes concerning inaccurate information on my credit report. Despite sending disputes to XXXX, XXXX, and Experian, outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have not received any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has flagrantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to designate the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been grossly violated. The reporting period continues to run despite the account 's last activity date being inaccurately reported. This deceptive representation fails to reflect the actual date of payment cessation, thus unfairly impacting my credit standing.

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion.

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Product: Credit card

Wells Fargo. XXXX XXXX charges were made on my card that were not authorized by me. I live in NY and was working when these charges were made in Florida. They are not any charges within my normal charges. At the same time my bank accounts were hacked and wiped out. My bank determined it was fraud and reimbursed my money. Numerous cards were attempted to be opened in my name during the next several days. None were opened because the companies realized it wasnt me. The hackers changed the address on my credit report to a Florida address which coincidentally is where these charges were made. I sent Wells Fargo all the documentation to support this and they will not reverse the charges. I have called numerous times to resolve this to no avail. I paid off the legitimate part of my balance but now the fraudulent charges are accruing finances charges. Please help!
Product: Credit reporting or other personal consumer reports

Delete hard Inquiries XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2 , please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
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 Accounts - Accent Funding Acct # 1760** 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 ) states that a consumer reporting agency can not include in a consumer report : 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 ) is a key provision of the Fair Credit Reporting Act ( FCRA ) that addresses the responsibilities of entities that furnish information to consumer reporting agencies ( like credit bureaus ).

In essence, it prohibits furnishers from providing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX**
NAVY FEDERAL CREDIT UNIONXX/XX/XXXX
NAVY FCU / XX/XX/XXXX (3) one my report 3 different times
XX/XX/XXXX(ONE my credit repair twice)
XX/XX/XXXX(ONE my reported twice)
XX/XX/XXXXOriginal Creditor: XX/XX/XXXX XX/XX/XXXX  (Original Creditor:XX/XX/XXXX XX/XX/XXXXOriginal Creditor:XX/XX/XXXX XX/XX/XXXX
NAVY FCU / XX/XX/XXXX
NAVY FCU / XX/XX/XXXX
Product: Credit reporting

Last year I had a collection from XXXX show up on my Experian credit report. The item was removed due to error by the collector XXXX This item has since reappeared on my Experian credit report even though it was already taken off once before. There is no basis for this collection, and it was already acknowledged to be erroneous. Experian failed to send me written me notification that this collection was being re-inserted into my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form 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 XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

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

3. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : XXXX, XXXX XXXX digits of the account 61. Charge Off. 
XXXX ; Nothing appear in XXXX XXXX : Nothing appear in XXXX
Product: Credit reporting

I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY.