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

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

see incoming redbox of XXXX XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX XXXX I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Product: Credit reporting or other personal consumer reports

XXXX : Urgent Dispute & Demand for Compliance Under the Credit Repair Organizations Act and Trafficking Victims Protection Act To Whom It May Concern, I am writing to formally demand the immediate removal of fraudulent accounts and debts from my credit report in accordance with the Credit Repair Organizations Act ( CROA ), the Fair Credit Reporting Act ( FCRA ), and the XXXX XXXX XXXX XXXX XXXX XXXX ). I have previously provided extensive documentation, including court transcripts, identity theft reports, and evidence of my status as a victim of human trafficking and related crimes. Despite this, the disputed accounts remain on my report, causing ongoing financial harm and violating my rights under federal law. 

Specifically, I have received written confirmation from XXXX that they have closed and cleared the disputed account ( XXXX ). As such, the credit bureaus are legally obligated to remove these accounts from my file. Your continued failure to comply with this request constitutes willful noncompliance under the FCRA ( 15 U.S.C. 1681n ) and negligence under 15 U.S.C. 1681o. 


The response from XXXX confirming account closure You are required by law to immediately block and remove the fraudulent accounts under the Debt Bondage Repair Act and FCRA ( 15 U.S.C. 1681c-2 ). Failure to take immediate action will result in legal proceedings, including but not limited to a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action for damages. 

I expect a written confirmation of removal within 15 days of receipt of this letter. Failure to comply will leave me with no choice but to pursue all available legal remedies. 

Sincerely, XXXX XXXX
Product: Debt collection

I called today XX/XX/year>XXXX  to verify my debt and try to resolve it and the person working for AmSher Compassionate Collections immediately asked for my social security number. 
The name of the company is similar but different than the name on my credit report which is where I learned about this debt. The name on my report says I owe money to AMSHER COLLECTION SE This felt like a scam and I was not comfortable sharing my social security number.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Inaccurate Names NAMES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Remove this Information EMPLOYMENT INFO XXXX XXXXXXXX XXXX XXXX
Product: Credit card

I am writing to formally complain Lowe 's Home Improvement regarding multiple instances of unacceptable service, unprofessional behavior by delivery personnel, and the handling of damaged goods sold to me. This ongoing issue has caused significant inconvenience and distress, and repeated attempts to resolve the matter directly with the store have been ignored.

I purchased a refrigerator using my Lowe 's credit card from the Lowe 's store in XXXX, Illinois. The first delivered refrigerator arrived damaged. After contacting the store for a resolution, I was promised a replacement. During this interaction, the delivery personnel exhibited aggressive and rude behavior within my home, which I reported to the store management. The store manager acknowledged these issues and offered compensation for the poor service experienced. 
However, the replacement refrigerator delivered, also arrived with damages and was improperly installed. Specific issues included failure to install the shelves, and refusal to remove protective shipping materials such as tape. The delivery team insisted that it was my responsibility to complete these tasks, contrary to standard appliance installation procedures. I documented these issues through photographs and communicated them via email to the store manager, requesting a resolution. Despite these efforts, there has been no response to my emailedconcerns, from either XXXX XXXX or XXXX XXXX for over 3months despite having charged my credit card full price.

This pattern of behavior from Lowe 's staff, both in-store and during deliveries, reflects a disregard for customer satisfaction and standard business practices. I am seeking the FTCs intervention to facilitate a response from Lowe 's management regarding a resolution to these ongoing issues. It is unreasonable for a consumer to accept damaged goods and endure poor service without recourse.

I appreciate your attention to this matter and look forward to your support in resolving these repeated and unresolved issues with Lowe 's Home Improvement.

Thank you,
Product: Debt collection

I have a medical collection on my credit report that should have been covered by my insurance, I should not have been hit with this debt. I have provided proof that I was covered under medical insurance during the time of this service. I want this account removed off of my credit report immediately.
Product: Debt collection

They pass constantly and abusively calling my work and I started to make the payments from the internet portal
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. XXXX, INNOVIS, XXXX XXXX, XXXX, XXXX, XXXX anXXXX XXXX XXXXa ; I want these charge offs/write offs deleted from my credit reports ASAP.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX please remove/block/delete this account. You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX/ XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX Lending Service/ XXXX, Account name : XXXX XXXX XXXX/ XXXX XXXX XXXX, Account name : XXXX XXXX/ XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX/ XXXX XXXX has violated my rights. 

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

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

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

XXXX XXXX and Experian is reporting incorrect information on payment history I have made numerous complaints sent out letters. No one has responded for XXXX months.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I went grocery shopping but got declined for not having any money so I checked my account state ment and found that some one made non Chase ATM withdrawal for {$200.00} at the same time I made a non Chase withdrawal for {$200.00} that's why I didn't notice the change because I thought it was the one I made I live right next door to the place where I made my withdrawal called XX/XX/XXXX and the place the notarized withdrawal was at least a 1 to 2 hour bus ride I'm next to XXXX XXXX California the little shop is far I'm on foot I'm home most times hard to get around anyways I can't be at 2 places at once plus I know the ATMs have cameras I'm tired of being a victim the An authorized withdrawals among other things I had already had all my police reports and copies of data breaches I am effected by
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

XXXX XXXX Balance Owed : {$660.00} I have reviewed my credit reports from Equifax XXXX XXXX XXXX and XXXX and found that this account is inaccurate and is negatively impacting my credit score. I have no knowledge of this debt, and I have not received any validation of this debt from the creditor. I have previously disputed this account with all three credit bureaus, but it has not been removed from my credit reports. Despite my efforts, the inaccurate information continues to adversely affect my ability to obtain credit and fair interest rates.
Product: Debt collection

Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.
Product: Money transfer, virtual currency, or money service

I dismissed my sister 's plea to leave Wells Fargo. I kept letting my guard down, even after my identity was stolen twice. Time lines of my demise : Summer of XXXX I received an email from Wells Fargo stating someone used my card information in XXXX TN, at a XXXX XXXX XXXXThe recent incident occurred XX/XX/XXXX. A perp used my name on a loan application at a Wells Fargo Branch, in XXXX NY. No email, phone call from Wells Fargo. They did squeeze out a letter XX/XX/XXXX. Nobody still didn't contact me and say anything. Today I'm still fighting identity theft, fraud. On XX/XX/XXXX I finally made the conscious decision to transition from Wells Fargo. My non- Wells Fargo account was confirmed on XX/XX/XXXX. On Saturday XX/XX/XXXX I tried to transfer funds to my new non-Wells Fargo account. I was met with resistance. A page pops up telling me I needed to identity myself, to call Wells Fargo.This is a joke, considering the fact they wasn't concerned about my identity on XX/XX/XXXX and XX/XX/XXXX. Both cases were thrown under the bus. Both checking and savings account will be closed this month. But why do I need permission to do business on my own account? It's as if they're holding my money hostage, to try to keep me from closing account. These people are crazy, this word is an understatement to describe the folk. There business practices are a definite negative. They wouldn't have put a white woman through this tactic.
Product: Money transfer, virtual currency, or money service

I changed my physical phone and phone number associated with my Coinbase account and did not change my information over prior to making the change. I've been trying to contact Coinbase and they have been unable to help me for two weeks now via email as they do not have any live customer support. They've told me there is a process for fixing this and regaining access, but every time I try their recommendation there is either a step in the process that is not possible or impossibly unclear instructions. I've provided all of my verification information multiple times including the same ID that was used on the original account.
Product: Checking or savings account

Subject : Request for Reconsideration of Business Account Application Dear Navy Federal Business Services Team, My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXX XXXX XXXX XXXX. I recently applied for a business account with Navy Federal, but my application was denied due to my DBA, XXXX XXXX, which is an affiliate DIY credit repair platform. I would like to address this decision and request reconsideration. 

XXXX XXXX operates solely as an educational platform. It does not handle any individual 's credit or offer credit repair services. I explained this in my application, yet the account was still denied. In my commitment to resolving this issue, I even offered to close the DBA, but I was informed that this would not change the outcome of my application. 

I believe that this decision may have been made in error based on a misunderstanding of the nature of my business. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, and the Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679-1679j, XXXX XXXX adheres strictly to the guidelines provided. The platform is designed to educate individuals on financial literacy and credit management without engaging in any activities that would classify it as a credit repair organization. 

Furthermore, I am aware that under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and its implementing Regulation B, financial institutions are prohibited from discriminating against applicants based on the nature of their business, provided it operates within legal parameters. My business, XXXX XXXX XXXX XXXX XXXX XXXX, and its affiliate, XXXX XXXX, fully comply with these regulations. 

I have a strong preference for Navy Federal due to your reputation and the positive experiences Ive had with your services. As a small business owner, having a reliable financial partner is crucial, and I believe Navy Federal is the ideal choice for XXXX XXXX XXXX XXXX XXXX XXXX. 

I am kindly asking if you could review my application again, considering the clarifications provided. If there are any additional steps or information required from my end to facilitate this process, please let me know. I genuinely hope to establish a business account with Navy Federal and would appreciate your assistance in making this possible. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

My Capital One Checking Account has been missing an expected direct deposit since early Thursday morning on XX/XX/XXXX ; it is now XX/XX/XXXX as I write this complaint. They only alerted customers of the deposit issues 24 hours after they were aware of them. Their apologies have been incredibly lackluster, barely going so far as to say " we apologize for any inconvenience. '' I am personally missing thousands of dollars of a paycheck I need, and I know for a fact that there are hundreds of and hundreds of customers experiencing this same issue. Capital One said that deposits would be " mostly resolved '' on Friday, but it is Saturday, and there have been no other updates whatsoever, and I have not received my funds. This is unacceptable, and has caused me to have to delay some time-sensitive purchases, which will have a tangible financial impact on me in the long term.
Product: Credit reporting or other personal consumer reports

I requested several times that you follow the rules of the law and remove these accounts for my credit report, I have provided the required documents which was stated by law enclosed are the documents and the accounts in question, I would like to avoid any further litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX   has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.