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

These are the codes that the credit bureaus have violated ( Equifax, XXXX, and XXXX ). 
Being sued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e ( a ) ( 5 ) Section states that 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 a 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I am contacting your agency to ask for your assistance to get a debt collection to remove damaging never account from my XXXX credit report. I have contacted XXXX several times requesting they contact this debt collector to validate this debt i supposely owe. After several attempts to get this situation resolved i decided to reach out to Consumer Financial Protection Bureau. XXXX and/ or refuse to provide any evidence that this debt belong to me such as signed service contract, copy of driver license or etc to validate this debt i supposely owe. I am demanding AFNI removed this debt from my XXXX Credit Report immediately
Product: Credit reporting or other personal consumer reports

I want to settle 50 % of my balance.
Product: Credit card

I have miles on XXXX XXXX card and in XXXX I have my name on Capital one as ( XXXX XXXX ) and on Lifemiles the name was the same, so I was successful to transfer the miles, however before issue the ticket, the XXXX XXXX suggest me to proceed with a name change to match with my legal name, in order to avoid issues during the checking at airport. So I did change the name with them and proceed with the ticket issue. So, I was trying to transfer miles again to another partner XXXX XXXX XXXX XXXX ) so I create account with them as my full legal name ( XXXX XXXX XXXX first name ) and XXXX XXXX XXXX ( last name ) ), in order to match the names, I proceed with a name change on Capital one to my legal name. They did fast, however since the name change, the option to transfer the miles are greyed out and don't let me finish to transfer. If I remove the name, the button became available, however can't complete, because the blank name won't match with number. I strongly believe that is something simple on my account, maybe XXXX is placed on their system as XXXX XXXX instead of being part of my First name. The issue is that since XX/XX/XXXX they don't resolve and I am losing the opportunity to use the miles to issue the ticket on the dates that I want and they don't have any time frame to resolve this. It is very frustrating and I believe that this is not right and they don't care, just came with a canned answer and that's it, nobody take any accountability to resolve anything.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX ( XX/XX/XXXX -LAKELAND T XXXX XX/XX/XXXX ) -LAKELAND T ( XX/XX/XXXX )
Product: Debt collection

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, I requested full accounting history, proof of ownership, proof of legal right to collect in the state of Nevada, details about the authority of this creditor to collect the debt on behalf of the original creditor, proof that the sent the legally required notices before sending the debt to the credit reporting agencies as well as requesting if they would be ready to settle for a lesser amount and they chance not provided this information.
Product: Credit reporting or other personal consumer reports

Subject : Experian Refusal to Investigate Fraudulent charges on my XXXX  XXXX XXXX credit card. 
I am filing this complaint against Experian due to their refusal to properly investigate a fraudulent charges on my account Despite my continuous efforts to resolve this matter, including providing all required documentation such as a police report, driver license, approve of address, Experian failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 
I have repeatedly requested evidence of their investigation into the account, but they have refused to provide any. This lack of transparency and action violates **15 U.S.C. 1681i which requires a reasonable reinvestigation of disputed information and proper notification to the furnisher of disputed information under 15 U.S.C. 1681i ( a ) ( 2 ) Experian an actions ( or lack thereof ) have caused significant harm to me, as the fraudulent charged continues to impact my credit report and financial standing. I am requesting the following : 1. **Proof of a thorough investigation**, including evidence of how Experian verified the account.

2. Immediate removal of the this account from my credit report until they can provide definitive proof linking me to the account.

3. Accountability for their failure to comply with the FCRA and for the ongoing damage caused to my financial reputation.

Experians refusal to investigate this matter properly reflects systemic negligence that must be addressed. I urge the CFPB to take enforcement action to ensure they comply with federal laws designed to protect consumers like myself. 
Thank you for your assistance in resolving this matter. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization ccounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX_ Date XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX_ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXXXXXX XXXX_________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Debt collection

My personal information was part of a data breach and some unknown person used my private information to commit fraud and make me a victim of identity theft. Since this has happened multiple accounts have been established without my knowledge or consent and I have negative accounts from this identity theft showing on my credit report and there are collections from Portfolio Recovery Associates , LLC on my credit report from this incident. On XX/XX/XXXX I mailed Portfolio Recovery Associates , LLC and the credit bureaus with a police report, ftc affidavit, and other documentation proving the data breach and identity theft but Portfolio Recovery Associates , LLC and the credit bureaus did not remove the negative accounts from my credit. These are the fraudulent accounts that Portfolio Recovery Associates , LLC is reporting to the credit bureaus. PORTFOLIO RECOVERY {$2900.00} Opened XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY {$6300.00} Date Opened XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX I've already consulted with a consumer law attorney and he tells me this may be a violation of the Fair Debt Collections Practices Act for willful non-compliance. 
These accounts need to be deleted immediately.
Product: Debt collection

When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince. 

I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty. 

While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment.
Product: Credit reporting or other personal consumer reports

They violated mt rights as a consumer under 15USC1681B
Product: Debt collection

I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to ATG Credit. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XXXX XXXX XXXX and I have not received a response to date. I know that this debt does not belong to me because the original creditor XXXX XXXX XXXX located in Indiana. I have never resided in Indiana.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from Sam 's. Which result in a big drop in my credit score
Product: Credit reporting or other personal consumer reports

I did not do business with these companies showing in my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. 

XXXX XXXX XXXX {$12000.00}
Product: Checking or savings account

Capital One has been withholding my deposit for 2 days now and when I call they keep saying it will be by the end of day yet here we are day 2. I have bills to pay, Im getting kicked out of my apartment for not being able to pay on time, my bills are bouncing back and my car insurance will go not be in effect and have a {$200.00} fee to get it reinstated. Just in fees, I will accumulate {$500.00} that I dont have to fix this mess. I have contacted several times and have received rude responses from employees and no resolution. This isnt right and I am beyond stressed
Product: Checking or savings account

On XX/XX/2020 I received a payment of XXXX to my checking account with US BANK, the moment I received my funds they issued an hold on my account for whatever reason they didnt disclose to me. XX/XX/2020 I went to My home branch at XXXX where I was told I have to wait til XX/XX/XXXX to speak with the branch Supervisor to take the hold off my account. Here it is XX/XX/XXXX at XXXX I spoke with the Supervisor who told me they sent my payment of XXXX back & closing my account as well so I would receive a check in the mail of my previous funds within 7 to 10 business days. Here it is XX/XX/2020, 3 WEEKS LATER I called US Bank this morning to see whats the status of my check ... turns no check was ever sent out b/c MY ACCOUNT IS STILL OPENED it was never closed & my account still have the XXXX in it ... meaning US Bank employees LIED TO MY FACE!!!! They didnt close my account nor sent my funds back in which they are still holding my funds & will not release it. This is very unprofessional on a banks behave also such a BIG INCONVENIENCE during this pandemic we all are battling with.
Product: Debt collection

Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A. 
According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.
Product: Mortgage

PennyMac has failed to pay my property taxes on time for the second time in the past 7 months. This has resulted in my account being delinquent and caused me to have to pay penalties. 

The first time they failed to pay was for a property tax bill due in XX/XX/2021. I contacted PennyMac and informed them of the failure to pay. They then paid the bill but I was required to pay the penalties. 

They have failed to pay my property tax again for a bill that was due in XX/XX/2021, resulting in my account being delinquent again. I once again informed them of this problem and they paid the bill, but I was required to pay the penalties. 

PennyMac claims that they were unaware of this supplemental property tax bill, but the payment due in XX/XX/2021 was the second installment of the same bill that they failed to pay in XX/XX/2021, which means they should have been aware that a second installment was due.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not addressed my dispute thats attached
Product: Checking or savings account

I have multiple issues with scams and the security of my account, which has caused my account to be overdrafted more than once
Product: Credit reporting, credit repair services, or other personal consumer reports

T rans Union  did not adequately respond the to complaint referenced below. The complaint should remain open pending a thorough reinvestigation and proper adjudication.  <P/>  Trans Union  continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )  XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )  XXXX   XXXX    XXXX   VA  XXXX   XXXX    XXXX    XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.  Trans Union  continues to list the dismissed bankruptcy on my credit file.  Trans Union ' s policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated fo r ten ye ars. However, the Fair Credit Reporting Act mentions nothing in  Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or d ate of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed  may  never have actually been adjudicated. Therefore,  Trans Union  has no right to maintain information which the government has deemed nonexistent. Pursua nt to Section 1681 ( a )   ( 5 ) o f the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within  14 calen dar days from receipt of this letter.
Product: Checking or savings account

Starting XX/XX/year> capital one started having direct deposit issues where a large amount of consumers havent received their deposit, I personally was supposed to receive my direct deposit yesterday ( XX/XX/year> ) but have not received it, when I called capital one they gave the same generic answer that they were working hard to fix the issue but are unable to give a factual timeline.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$800.00} XX/XX/XXXX - {$800.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$1000.00} XXXX XXXX - {$1000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} All transactions were supposed to be going to stuff, but I never received any receipts for the transactions and never received the service that was paid for from any of the transactions.