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

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Debt collection

I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so
Product: Checking or savings account

I received a debit card in the mail from chime. I never opened this account. It is fraudulent. I want it closed immediately and I don't want any further accounts opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Egregious Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Capital One Customer Service , I trust this letter finds you well, although it is with great concern that I bring to your attention severe and deliberate violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2.

Upon meticulous examination, it is abundantly clear that Capital One is in blatant violation of 15 U.S.C. 1666 ( b ) by failing to adopt reasonable procedures for verifying the receipt of billing statements by consumers. The absence of a robust system to confirm whether I, as the consumer, am physically receiving paper statements or accessing electronic statements constitutes a direct infringement of this federal law. This egregious violation not only questions Capital One 's commitment to compliance with 15 U.S.C. 1666 ( b ) but also undermines the very essence of the law, which mandates creditors to adopt reasonable measures to prevent the erroneous treatment of payments as late for any purpose. 

Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which unequivocally prohibits the furnishing of false or inaccurate information, is both alarming and unacceptable. The lack of a reliable verification process concerning the receipt of billing statements calls into question the accuracy of the information reported by Capital One, especially regarding late payments. 

I must underscore the gravity of these violations under 15 U.S. Code 1681n, which explicitly addresses willful non-compliance with federal law. Whether Capital One was previously aware or not of its inability to report late payments, this ignorance is no excuse for the severe breaches of consumer rights.

Additionally, I draw your attention to 15 U.S. Code 1681s-2, highlighting that furnishers of information to consumer reporting agencies are obligated to provide accurate and complete information. Capital One 's failure to meet these obligations further compounds the severity of these violations.

In light of Capital One 's violation of 15 U.S.C. 1666 ( b ), I request that my account status be promptly updated to " paid as agreed. '' The failure to adopt reasonable procedures to verify the receipt of billing statements has not only compromised the accuracy of late payment reporting but also warrants corrective action to rectify any adverse impact on my credit history. 

It is crucial that the necessary steps are taken to ensure that my credit report accurately reflects the payment history in accordance with the law. I expect Capital One to promptly address this matter and update my account status to " paid as agreed. '' Your immediate attention to this request is of utmost importance, and I anticipate your compliance with this corrective action. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I have been an Amex customer for 29 years. I received an Amex bill for my account ending XXXX for {$1300.00}, minimum pay due {$40.00} on XX/XX/XXXX. I called the telephone payment and paid the full amount of the bill which posted XX/XX/XXXX. I got a bill the next month for {$38.00}. Apparently, I was charged interest on the entire charge of {$1300.00} PLUS a late fee of {$29.00}. The first time a payment was late. I spoke to two supervisors, XXXX overseas employee # XXXX and XXXX in the US employee # XXXX. Both tried and were unable to waive the fee or the interest because they said the computer wouldn't allow them to. XXXX refused to transfer me to her boss or Corporate and refused to give me the name of the person in charge of retail credit cards and only gave me the corporate address at AMex XXXX XXXX  at XXXX XXXX XXXX in XXXX. She had no floor number, room number or person to address a complaint to. These fees are ridiculous. I am being billed almost the amount of the minimum due on my previous bill which was paid in full. I have a XXXX balance except for a {$38.00} because instead of posting a payment as of midnight on XX/XX/XXXX, it was paid a few hours later at lunch time on the XXXX. There is no discretion, no customer loyalty and this is a disgusting and blatant money grab by AMEX taking advantage of customers who barely miss a deadline. They need to be sued and forced to impose a discretionary period and should not be allowed to charge a late fee on a balance that was paid in full, even if considered a few hours late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit account with a jewelry company. The account reported for a month and then disappeared. The account is still active and in good standing and its sudden disappearance adversely affected my credit score by lowering my available credit and raising my credit utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXX  XXXX, has violated my rights.

15 U.S.C 1861 section 602 A states the right to privacy.

15 U.S.C 1861 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new car and paid cash. However, XXXX XXXX XXXX used XXXX  and pulled my credit without my consent! I received a notification from XXXX while in the lobby and inquired about it and was told it was because I wrote a check. I was not applying for credit and my credit should not have had a hard inquiry to buy a new car without financing.
Product: Credit card

Bank of America closed two accounts without notice. Then I received a letter saying they closed them. No actual reason.
Product: Credit reporting or other personal consumer reports

My information was compromised by the XXXX data breach, I've never been able to recover from my information being all over the web.
Product: Credit reporting or other personal consumer reports

15 U.S. code & 1681c-2 a consumer reporting agency shall block the reporting of ANY information 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 ; by such agency of XXXX. It has been 30 days and they are in violation of this law because I am a victim of identity theft. Please see that these items are DELETED immediately .These accounts should not be furnished on my consumer report as they are in violation under 15 u. .s. code1681b permissible purposes of consumer reports [ a ] IN GENERAL to subsection [ c ] any consumer reporting agency may furnish a consumer report under following circumstances and NO other ; [ 2 ] in accordance with the WRITTEN INSTRUCTIONS the consumer to whom relates. I never gave ANY consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am DEMANDING the deletion of the accounts listed. 
All XXXX XXXX accounts on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX IN collections its XXXX items XXXX XXXX XXXX, XXXX, and XXXX. Thank You In Advance.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I received my Citi XXXX XXXX rewards card and attempted to make a {$900.00} purchase with the card at Best Buy as there is a {$2500.00} spend in order to receive the rewards. I then spent about XXXX hours to reach a representative in the Fraud department. When my call was answered I was told that because I did not have another credit card or bank account with Citi that my card will be locked and unable to make purchases. I was notified that since they have exhausted all options to verify my account that I could not cancel my account either. 

I was told that the only remaining option is to mail documents to help verify my identity. My research online shows that even if you are verified with this option if your account is locked after another purchase you will have to go through the mail process again unless you open another account with Citi to help speed up the verification process. I do not wish to open another account just so I can use the services of Citi without more interruptions and would like to close my account.
Product: Debt collection

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my Bank of America accounts. This has caused Bank of America to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with Bank Of America. Bank of America has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by XXXX  and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress,  inability to open another bank account, increased XXXX, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. 
My Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised Bank of America has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EXPERIAN accurately verify my account. I have sent proof of my entity, proof of the other bureaus deleting the alleged accounts due to lack of proof. I've also expressed that I have the capacity to overstand my federally protected rights. They keep sending emails and stall letters about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation of my wet-ink signature, that proves these alleged accounts belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!

Also, please be aware that I'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has on my report that I have a closed fraudulent account with XXXX system. This information is false and incorrect. I have a credit report from XXXX system whom I also called and there is no fraudulent or delinquent closed account being reported by them. 
Attached is a copy of the information being reported by trans union also a copy of my XXXX system report showing no fraudulent or delinquent account or information
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 
\nI demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXXXXXX XXXX XXXX  ( open XX/XX/XXXX amount : {$9900.00} ) XXXX  ( open XX/XX/XXXX amount of : XXXX XXXX XXXX XXXX ( open XX/XX/XXXX amount : {$120.00} ) XXXX XXXX XXXX XXXX XXXX  ( open XX/XX/XXXX amount : {$120.00} ) XXXX XXXX XXXX ( XXXX XX/XX/XXXX amount : {$500.00} ) XXXX XXXX XXXX ( open XX/XX/XXXX amounts XXXX ) XXXX XXXX  ( open XX/XX/XXXX amount {$370.00} ) XXXX ( open XX/XX/XXXX amount {$120.00} ) Fraudulent Credit inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I have an credit card account with American Express that I have been trying to claim my interest that is owed to the principal to pay on the account. After sending several claim of interest notices, American Express sends me emails stating that they're investigating my inquire and then say they don't see any issues. I have even sent in billing error notices and still nothing was resolved. I just got a notification that my account was closed and the balance was never credited to the account. American Express XXXX XXXX agreement even says that interest is due to the principal along with my credit statement that also says that the credit balance is showing represents the money owed to my principal. At this point American Express is breaching there fiduciary duties and if this issue isn't resolved I'll have no choice but to file for arbitration.
Product: Credit card

I closed my accounts after having a card for 10 months, my credit limit was {$500000.00}. 
The reason I closed my accounts, because I had several accounts with Synchrony Bank and being with them almost a year and was NEVER late with any of my accounts, they wanted verification of my social security number and tax forms, they cut my cards off and when I went in a store to use a card it was declined and very embarrassing. 
Closed all the accounts and no open accounts with Synchrony Bank after a few months I decided to apply for a Walmart Card and I was told it was in the credit department review, I received a letter of denial and the reason for denial : The request was judgmentally reviewed and denied for the following reason ( s ) POOR PAYMENT HISTORY WITH CREDIT PROGRAM I have documents of payment history and I never paid minimum payment, I always paid more and they even increased my credit limit to {$7000.00}! 
The credit department is treating me unfairly and my credit is excellent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and the credit bureau for the two accounts is actually one account. Not only is it just one account the delinquent information listed is not accurate. I would like this corrected as soon as possible because it is stopping me from establishing a good credit history. Also every account that I am writing about I have disputed every account with Equifax and they still have not updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that is reporting inaccurately as well as inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.