23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Capital One incorrectly reported my account status for account status ending in XXXX as 30 days late. I have tried to resolve this with capital one however they are not doing anything to take responsibility for their mistakes. I have spoken to various representatives from capital one at which point they all stated that I am in fact current for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The  documents are even posted on my online profile to verify I in fact have never been late on my account. Attached are documents from screenshots I took just moments ago. This is the United States Of America, and as a citizen I refuse to have my rights violated by Capital One under the fair credit reporting act. Im being denied credit and am suffering personal loses because of it. I have spend hours disputing this information and nothing is done but I refuse to give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The have totally locked me out of ALL and any contact from any source Internet phone mail! Their so called assist sites do NOT WORK- see message " We were unable to honor your request. If you entered your credit card information, we did not charge you " How are we or for that matter anyone able to function financially when they control and utterly can destroy your ability to secure fiances????????? The fact they operate off shore could be a comprehnsion problem???? We need action NOW!
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Deletion of Inaccurate Information Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by [ Credit Reporting Agency ]. This dispute is being submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 1681i ), which mandates that credit reporting agencies investigate any disputed information promptly and accurately. 

The item in question is listed as follows : Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX Under the FCRA, I am entitled to a full and thorough investigation of this matter. If the disputed information can not be verified within 30 days of your receipt of this letter, you are required by law to delete it from my credit report. 

Please conduct your investigation promptly and provide me with a written confirmation of the results. If the account is removed or updated, please send me an updated copy of my credit report. 

If you require any additional information from me to assist with your investigation, please contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your attention to this matter. I look forward to your prompt response within the 30-day timeframe as required by law. 

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

Statement for FTC Identity Theft Report I am reporting identity theft that has resulted in unauthorized accounts and activity on my credit report with TransUnion. Specifically : 1. XXXX XXXX  XXXX, a closed account, has been unlawfully reported with late payments, despite no association with me. 
2. XXXX XXXX is reporting a 60-90 day late payment, which must be removed immediately, as this was not authorized. 

This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and lacks valid permissible purpose. Furthermore, I received a Notice of Data Security Incident from the XXXX XXXX XXXX XXXX about a breach that compromised my personal information, triggering unauthorized activities and a domino effect on my credit profile. A police report has been filed regarding this matter. 

Additionally, the following hard inquiries must be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. 

This issue should have been resolved like yesterday. My attorneys are ready to pursue further legal action if these items are not addressed and corrected promptly.
Product: Debt collection

On XX/XX/XXXX I sent a letter to Convergent asking them to validate a debt that they insist that I owe. In return this company sent me a bill XXXX that they are claiming is a validation that this is my account. However, the bill sent does not provide me as to the date in which this account was opened. All it shows is someone named XXXX XXXX opened the account. I have no knowledge of this account especially after seeing the information that they sent. Anyone could have opened this account. There is no contract, nothing with my signature on it nor my social security number and most importantly this document provides no information as to when this account was even opened. Also, I asked Convergent to validate this debt but on their letterhead they attached a response and I quote, " the debt is valid and attached is Verification of the debt ''. By their own admission they indicated also that what they sent me is a verification and not what I requested which was Validation of the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I received wire instructions by email, from XXXX XXXX XXXX XXXX XXXX, an XXXX real estate law firm with wire instructions to Sun Trust Bank. It should be noted the State of Georgia requires all real estate closing to be funded by wire transfer. This way the legal firm, broker, real estate agent and seller receive their funds immediately, while the buyer has no protection under Regulation E. 
The day of closing I was informed they had not received the wire. The wire instructions, I received from XXXX XXXX XXXX, did list the account number and amount needed for closing, but the account number on the form belonged to a fraudulent account opened by XXXX XXXX. I had conversations with the Fraud Department of Sun Trust Bank. I was informed the account was being monitored for fraud and I would get my {$79000.00}. I received information about the two branches involved. Then, I was told I am not a customer of Sun Trust Bank and all communications stopped. I wanted to review their account opening processes and training. I believe they were negligent in this area resulting in funds being misdirected at my expense. Notes are attached.
Product: Mortgage

SLS is not giving me a modification. The loan number is XXXX I was told by SLS that I could make a single payment 2 months ago. Then, in the following week, SLS told me that the loan had been sent to foreclosure attorney, just a week later. 

I am a XXXX XXXX XXXX Veteran, and I have long XXXX ( see XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX ). 

Time is of the essence to stop SLS from foreclosing. 

They said they sent this to foreclosure attorney on XXXX XXXX. I learned that a Notice of Default was filed on XXXX XXXX. This is unjust, inappropriate, and must be stopped by Federal regulators.
Product: Credit reporting or other personal consumer reports

They reported the account 30 days late on the XXXX of the month. See attachment please correct asap.
Product: Credit reporting or other personal consumer reports

This account is closed Self account they are still sending statements and trying to collect making this account still open when there is no activity I have called to make them aware they acknowledge this but still give negative credit reporting also balance is incorrect they have added additional fees I do not owe at all this is very deceptive on there part.
Product: Credit reporting or other personal consumer reports

I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Never received a response. Instead my personal statement got deleted and my credit rating dropped precipitously ( about XXXX points ) between XXXX and XXXX yet nothing else had changed about my credit card payment or anything else. I believe it was related to this inquiry in some shape or form.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX. 

Upon information and belief, XXXX received notification of my credit bureau dispute. XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX Account. 

Upon information and belief, XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is now sending me bogus emails saying my dispute is not available online so call them when I call and give them the number they say there is nothing to see
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have a unverified unknown account from MEDICAL DATA SYSTEMS INC XXXX XXXX ( FRAUD ) Collection Third-Party CollectionAgency unable to validate debt. HIPPA LAW VIOLATION # XXXX, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party MEDICAL DATA SYSTEMS INC. I am aware that HIPPA does allow for limited information about me but anything more than to only is revealed with the patients ' authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPAauthorization. 1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. Well please delete all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of written letters and copies of online disputes sent to you previously over a course of a year will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite written requests, online disputes and phone calls, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have also sent a copy of this letter by certified mail to you. I have given Experian way to long to rectify my issue. You have 15 days from the date of receipt of this letter to fix my concerns.

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX # XXXX UNVERIFIED ACCOUNT XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT XXXX XXXX XXXX # XXXX UNVERFIED ACCOUNT STATE TAX LIEN PUBLIC RECORD UNVERFIED ACCOUNT
Product: Credit card or prepaid card

There needs to be internal investigation on Navy Federal Credit Union. I had made payment arrangements to pay my bill yet when my pay direct deposit posted to my account they had withdrawn the amount without my authorization when I had personally talked to a agent regarding this and had arrangments in place. This is a very bad banking practice. Secondly they will charge almost three insufficient funds fee for the same transaction. There has to be some sort of oversight on bad banking procedures. The consumer is the victim in these situations. Please advise if there is something that can be done. 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.

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 or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my XXXX  XXXX XXXX account, number XXXX. Despite numerous attempts to rectify these issues, both directly with XXXX  XXXX XXXX and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 

This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold XXXX  XXXX XXXX accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted XXXX  XXXX XXXX to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims. 

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding XXXX XXXX XXXX accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA. 
Thank you for your immediate attention to this urgent matter. 

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

XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and XXXX credit report, Equifax not late on XX/XX/XXXX, XXXX  XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and XXXX  credit report , not 30 days late on XX/XX/XXXX on Equifax, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and Equifax, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

The amount balance {$590.00}, OPENED XX/XX/2017. I have contacted the company 4 times within 3 months and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services INC continues to furnish an unauthorized inquiry on my credit report dated XX/XX/2018.
Product: Checking or savings account

On XXXX I recieved a text from my bank Netspend skylight asking if I had made made a purchase from XXXX  for {$310.00} I replied no and they immediately closed the card. I checked my account and found 2 other charges one for {$120.00} and another for {$120.00} all three transactions were made at XXXX. I filed a dispute with my bank for the 3 charges. And after waiting for 3 weeks was told by my bank that the charges were valid and they would not be crediting back any money.
Product: Debt collection

Company repeatedly contacts me in attempt to collect a debt that is not mine.
Product: Credit card

Capital one asked me to verify my income which I attempted to do. And then with no notification they closed all 3 of my credit card accounts down. I had close to XXXX XXXX  and XXXXXXXX XXXX in travel credit that disappeared. When I tried speaking to them they said they cant do having about it.
Product: Debt collection

FINANCIAL ASSISTANCE has added to my report .. i have never had any dealing with XXXX XXXX XXXX XXXX in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections. 

There is not documents on me because i never had this loan nor have i had any dealings with them
Product: Credit reporting or other personal consumer reports

I have disputed the said account multiple times with Experian. I have asked for proof of accuracy which I have yet to receive. Last correspondence I sent is attached below... 


I am writing to dispute the following information in my credit file : This item is inaccurate because Reported payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  But also reported last payment received XX/XX/XXXX on an account company reported as closed as of XXXX XXXX which is ALL INACCURATE DATES. As of XX/XX/XXXX, XXXX XX/XX/XXXX vehicle reported as XXXX. Then started reported in XXXX XXXX in XXXX after car had already been paid in full from collateral. Please investigate this matter and delete the disputed item as soon as possible. 



XXXX. Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Problem with the Account : This account is inaccurate/ XXXX reported inaccurate. 

XXXX. Reasons for the Problem : Paid off / Payment summary / close date / payment reporting inaccurate / XXXX Outcome : I am requesting this item be removed from my credit report