23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have included information regarding a fake fraudulent company by the name of XXXX. Unfortunately I was scammed out of my lifes savings ( {$300000.00} ). They did their business through East West Bank in XXXX XXXX Ca. and I spoke to the fraud department via email and they basically said to bad we can't help you. I did my best to perform my own due diligence as you will see by the information that I will be submitting to you. This all started in the middle of XXXX and after my account was drained at the end of XXXX. I don't believe that East West bank knew who they were or what they did regarding their business or they simply didn't care and that's how I see it at this time.
Product: Credit reporting

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate account and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Product: Payday loan, title loan, or personal loan

got a loan from loanme in XXXX., of XXXX for {$6500.00}. Have been paying {$450.00} for over XXXX which equals out to over {$10000.00}. The company says that out of the {$450.00} only {$21.00} is towards principle and {$430.00} is interest/fees with the balance of {$7000.00}. HOW IS THAT POSSIBLE. SOMETHINGS ILLEGAL WITH THAT TRANSACTION.THAT MEANS THE INTEREST RATE ON THAT LOAN IS AROUND XXXX  %. EXSCUSE ME BUT ISNT THAT ILLEGAL? I THOUGHT LOAN COMPANYS COULD ONLY CHARGE UP TO XXXX % OR SO. TRIED CONTACTIG LOANME, THEY SAID THEY CANT FIND THE SPECIFIC PAPERWORK SURROUNDING THIS LOAN, BUT MAKE SURE YOU KEEP PAYING ON THE LOAN. AT THOSE RATES THIS LOAN WONT EVER GET PAID. I MEAN WHERE HAS THE {$430.00} BEEN GOING? WHY IS ONLY {$21.00} TOWARDS PRINCIPLE? WHY IS THE LOAN MORE THAN I BORROWED? WHERE HAS THE {$10000.00} GONE THAT HAS BEEN TAKEN DIRECTLY OUT OF XXXX?
Product: Vehicle loan or lease

I saw a car online and contacted the dealer they ran my credit without me being there or approving it I dont know if I was denied because I changed my mind about the car since I was denied the first time they continued to run my credit and asking my boss for additional information without me knowing until after the fact they should have talked to ME and only me not someone else and they had no business running my credit multiple times knowing I would be denied I also did not see the vehicle to approve buying it what if I had gone there and the car was not to my liking or damaged they should have asked me to come in before they continuously ran my credit! 
Not right I have witless hard on XXXX  credit score and now its XXXX : XXXX XXXX because they pushed the issue knowing id probably not get approved and did not ask me to run it more than once id like this removed as I never agreed with it
Product: Debt collection

This company continues to report inaccurate and unverifiable information on my credit report. I ask this company to send validation of debt letter and to also cease all forms of communication with me through any and all mediums. This company is breaking numerous FDCPA laws. This company needs to stop reporting this inaccurate information on my credit file. To my knowledge Pursuant 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I can only validate this debt, I do not validate this debt, so i demand this company to stop reporting unverifiable information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX  XXXX Open Date XX/XX/2018 Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint today as a follow up Complaint to my recent CFPB Complaint I previously submitted. I previously requested that you remove the accounts and information that resulted due to identity theft. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove any accounts and information that resulted due to my identity being stolen. I also sent you a dispute letter dated XX/XX/XXXX, with completed attachments of my personal information as well as the Identity Theft Report I received from the FTC for reporting the identity theft. I request of you one thing and that is to remove the following fraud accounts and information of from my Credit File as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong under my name, I need you to provide me with supporting documents such as proof of verification, proof of ownership, or documents that resulted from your investigation. If you can not find any legal basis to continue reporting the disputed items, immediately remove the disputed items from my Credit File as soon as possible.
Product: Checking or savings account

**Description of Incident : ** On XX/XX/2024, I contacted Pended Credit Union to inquire about the balances of my accounts. During this interaction, the representative, XXXX XXXX, informed me that she was unable to provide the requested information due to restrictions placed by their security team, who were not available until XXXX XXXX. I explained to XXXX XXXX that in past instances, other representatives had been able to provide this basic information without needing intervention from the security team. 

Despite this, XXXX XXXX persisted that she could not assist me and refused to provide any further help or alternatives. Additionally, when I requested to speak with a supervisor to resolve the issue, I was placed on hold for an excessive period, which appeared to demonstrate a lack of concern for resolving my query.

**Actions Taken : ** - I called Pended Credit Union specifically to obtain account balance information.

- I informed the agent of my previous experiences where such information was provided without security team involvement.

- I requested to speak with a supervisor due to the lack of assistance received.

**Resolution Sought : ** I am seeking a thorough investigation into the customer service practices at Pended Credit Union , specifically regarding how account information requests are handled and the training and customer service protocols for their representatives. I believe this incident may reflect broader issues within the organization that need to be addressed to prevent future customer dissatisfaction.

Thank you for reviewing my complaint. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name XXXX Account System # XXXX, Account name XXXX XXXX # XXXX,, has violated my rights. 

I looked at my credit report on 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: Credit reporting, credit repair services, or other personal consumer reports

I have asked experian to VERIFY this information and provide me with copies of any documentation associated with there investigation into to accounts on my credit report They have not provided any documentation on there investigations on these two accounts XXXX account # XXXXXXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/2022. They told me that had respond to my CFPB Complaint and they didn't receive any of my letters. I'm here again submitting proof of all documents. XXXX XXXX XXXX XXXX XXXX XXXX. I Receive a letter from the bankruptcy court states that the bankruptcy court don't report to the credit bureau. I also called XXXX to get this my information remove from XXXX XXXX because they where the ones that stolen my Identity. I also field a identity theft report with the Federal trade commission. I don't understand how this accurate is being accurate or verified. When I call the XXXX XXXX and also receive a letter. This account is in VIOLATIONS Law 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose XXXX XXXX XXXX XXXX XXXX. I file a complaint with this company to XXXX XXXX XXXX  there respond was everything was accurate and verified. How can this account be verified. When they are show inaccurate on my credit report. This account is in VIOLATIONS 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose XXXX XXXX XXXX XXXX XXXX XXXX was told this account was was remove in my last Complaint against this company threw the Consumer financial protection bureau XXXX this account is still on my credit report i need this remove IMMEDIALTLEY The law states 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose
Product: Credit card

Subject : Formal Complaint Regarding Improper Charges on a Closed Credit Card Account Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am an XXXX XXXXXXXX XXXX XXXX I am writing to formally file a complaint regarding Capital One Quicksilver for continuing to charge me on a credit card account that has been closed and paid in full. 

The account in question was fully settled prior to its closure, yet Capital One has erroneously posted charges to the account despite its closure. This is both incorrect and unjust. Furthermore, as an XXXX XXXX XXXX XXXX I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which ensures fair treatment by financial institutions. 

I have made efforts to resolve this issue directly with Capital One, but the problem persists. I request the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring Capital One corrects these improper charges and complies with SCRA provisions. 

Attached, I have included copies of my account statements, correspondence with Capital One, and documentation of my XXXX XXXX status for your reference. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if further information is needed. 

Sincerely, XXXX XXXX [ Last 4 digits of the account number : XXXX ] XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to you to lodge a formal complaint against XXXX XXXX XXXX regarding their detrimental impact on my financial well-being and overall quality of life. The actions taken by your company have resulted in significant hardships, including threats of legal action and potential damage to my credit score. I strongly believe that these actions are not only in violation of consumer protection laws and regulations but also constitute illegal practices, such as the unauthorized purchase and resale of my debt without any proof of my agreement to such obligations. 

It is imperative that your company provides conclusive evidence demonstrating my consent to the acquisition and subsequent resale of my debt. The absence of any record of my agreement renders this process completely illegal. I demand transparency in this matter and an immediate cessation of any attempts to resell the aforementioned debt back to me. 

Moreover, I am appalled by the threats your company has made, including threats of legal action and adverse effects on my credit. These actions not only violate consumer laws but also disregard ethical practices expected from a reputable organization. The following is an overview of the laws and codes that your company has blatantly violated : Violation of Consumer Laws and Codes : a. Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] : Your company 's actions, including threats of legal action and credit damage, violate the FDCPA, which protects consumers from abusive debt collection practices.

b. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] : By reporting inaccurate and unjustified negative information on my credit report, your company has violated the FCRA, which mandates fair and accurate credit reporting.

c. New Jersey Fair Credit Reporting Act [ N.J.S.A. 56:11-33 et seq. ] : Your actions are also in violation of the New Jersey Fair Credit Reporting Act, which safeguards consumers from unfair and inaccurate credit reporting practices.

I kindly request that you thoroughly investigate the details outlined in this complaint and take immediate steps to rectify the situation. Furthermore, I expect you to promptly provide a written response acknowledging the receipt of this complaint and informing me of the actions your company intends to take to address the issues raised herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 credit acceptance reported a late payment on an account I settled with them in XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2021. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
Experian, XXXX and XXXX failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of privacy and consent of Late payments 15-U.S.C.-1666B 1666B Timing of Payments Pathway Title 15 > Chapter 41 > Subchapter I > Part D > Section 1666b Details Reference : Section 1666b Legend : 1666B Timing of Payments USCode Year : 2013 Provision Content ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), May 22, 2009, 123 Stat. 1742 ; Pub. L. 11193, 2, Nov. 6, 2009, 123 Stat. 2998. )
Product: Debt collection

Diversified Adjustments Re : XXXX Thank you for taking the time to review the complaint regarding the publishing of harmful data on the credit profile. 
Multiple attempts have been made to request a series of questions regarding this information. 
I have previously demanded that your company validates the above-listed item. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you know, your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. Your inaction makes it apparent that you have failed to use reasonable care regarding this matter. You have failed to use even minimal procedures to ensure that I was not harmed by your dissemination of inaccurate information or which can not be validated. Specifically, you have communicated and are continuing to share incorrect and defamatory information to third parties, including, but not limited to, XXXX, XXXX, and XXXX 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and XXXX ). As I am currently attempting to apply for credit, time is of the essence. Be advised that if this matter is not resolved in 30 days, I will take any necessary steps to protect my rights, including, but not limited to, the commencement of legal action. 

Thank you in advance for your immediate attention to this matter.
Product: Bank account or service

I found out that there was information in the XXXX that would not allow me to open another account, I called XXXX and showed them they were discahrged during bankruptcy and to udate my report, now when I go to open any bank account im still having issues even t ho I have proven bankruptcy discharge, and they are not willing to open an account I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

They say I have 2 late payments from 2017 that is really impacting my credit score. I have been in good standings with them for years and haven't been late with any accounts on my credit. I've called XXXX, they won't do anything about it and said it won't fall off until 7-10years And I've called Transunion and they can't do anything. I was also in XXXX  XXXX   XXXX  for a few and had to study for my state exam that took me almost a year to go take due to my studying. So I was dealing with alot of financial hardship trying to get back in order to make a income.