23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone has been using my Capital One Credit card for purchases. They used the entries {$300.00} Credit over the limit to the point I owe {$320.00} I refuse to pay an amount I didn't use. The replacement card I requested still hasnot arrived after 3 weeks of me waiting. I can NOT access my account due to MultiFactor on the account which I do not have the number to open it. this is Outrageous I want the credit replaced and a new card ASAP. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unauthorized, and unverified inquiries. These inquiries are hindering me from utilizing my credit. The unauthorized inquiries will be listed below and according to the FCRA they should be removed immediately. These inquiries are being reported to all three credit bureaus XXXX, Equifax, and XXXX and needs immediate removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Unauthorized Reporting of Negative Collections To Whom It XXXX Concern, I am writing to formally dispute the reporting of the following collections on my credit report : XXXX XXXX XXXX XXXX I have never provided consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these entities to report negative collections on my credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are required to have a permissible purpose to include information on a consumer 's report. The inclusion of these collections without my explicit consent violates this standard.

Additionally, based on my investigation, these entities are not licensed to collect debts in the state of Arizona. Per state regulations, debt collectors must be properly licensed to legally operate and pursue collection activities. Reporting accounts from unlicensed entities fails to comply with both state law and the FCRA 's mandate for accuracy and verifiability ( 15 U.S.C. 1681e ( b ) ).

As such, I formally request the following actions : Immediate Deletion of the Accounts : Permanently remove these collections from my credit reports with XXXX, XXXX, and TransUnion, as they lack a permissible purpose and are being reported by unlicensed entities. 

Written Confirmation : Provide written confirmation of the deletion of these accounts from my credit reports. 

Verification of Reporting : If you believe these accounts can be lawfully reported, provide evidence of permissible purpose and documentation confirming these entities licensure to collect in Arizona.

Failure to comply with this request within the legally required timeframe of 30 days, per 15 U.S.C. 1681i, will necessitate further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the requested actions. 

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

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 




I want complete DELETION of the account and the sum payable in the amount of {$1000.00} for each account VIOLATION.
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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: Credit card

I recently opened a account with lowes through synchrony bank. My credit limit was {$1000.00} I was notified that because of a recent credit inquiry to my accounts, my credit line has been decreased significantly I never authorized synchrony bank to randomly pull my credit Im requesting that my lowes credit limit is increased to {$10000.00} dollars
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing a dismissed bankruptcy on XX/XX/XXXX. None of the bureaus have ever responded to my dispute or advised me of any results of the investigation. I disputed again on XX/XX/XXXX and they still, yet again, have NOT responded to my dispute!
Product: Mortgage

Chase Bank misrepresent the facts of my loan application by claiming that I didn't submit one, their letter dated XX/XX/XXXX, was sent to XXXX XXXX  XXXX XXXX which is not my address. I read this letter posted on the CFPB site. In the letter, it stated {$460000.00} loan amount where this number came from? I never request a loan amount for more than the balance outstanding. approx ( {$200000.00} ) Chase can read this letter from XXXX on XXXX XXXX about the loan application. There is a lot of deflection from the truth ... From : XXXX, To : XXXX, Subject : RE : Chase Home loan Application Existing Loan number XXXX Date : Thu, XX/XX/XXXX XXXX XXXX  Attachments : XXXX, I understand your frustration I have exhausted my efforts attempting to locate a loan program for you. 
You in fact will receive a letter by mail letting you know an update to the status of your application. 
The application process is out of my hands and you should rest assured that written communication will be provided. 
Any further information you would need will be on the letter that you will receive by mail. 
Sincerely, XXXX XX/XX/XXXX RE : Chase Home loan Application Existing Loan numb
Product: Checking or savings account

on XX/XX/2021 i noticed one of soon to be several unauthorized charge on my account in the amount of {$310.00}. now on this particular day it happened to be my now XXXXXXXX XXXX XXXX birthday! leaving me devastated and moneyless with three other children to feed and no means to feed them i found myself having an anxiety attack! I then proceeded to contact Regions immediately, after being on hold for 30 minutes i then spoke with XXXX XXXX who i confronted about the unauthorized charge. After being told i would not and could not reverse the transaction i demanded my money be returned yet again under 15 usc 1692h 15usc1692d 15 usc 1692e XXXX in return call her supervisor who also tells me the same thing that i can not and will not be returned any money! Regions then again on XX/XX/2021 took XXXX on XX/XX/2021 regions took XXXX and again XXXX XXXX after being told not to keep garnishing my account they did so anyway! I want to know how are they able to use my credit card and take my money when they feel like it please elaborate for me after being violated they continued to mail several alleged debt letters to my familys place of abode on XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 when i called to investigate regions told me they had no knowledge of what had been sent and to whom it was sent to regions went as far as closing my account without my permission just mind blown that they think they have the right to do these things to me me being the consumer thanks ill be waiting a response
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite our previous attempts to resolve this issue directly with XXXX XXXXXXXX XXXX , the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

The car was originally financed with XXXX  XXXX, from my knowledge the company is no loner in business and Westlake Portfolio took over our loan. The XXXX XXXX XXXX I purchased from XXXX XXXX XXXX XXXX XXXX   in XXXX, GA came with numerous problems making it a Lemon Car. Within the first week of purchase the car had a {$1200.00} transmission issue I was able to get the place of purchase, to correct. 2 months later another issue with the catalytic converter arose making the car not passable for an emissions test, along with wheel bearing issues appearing all with in 2 months. The value of the car was drastically cut a year later making it only valued at {$4000.00}, half of what the {$8000.00} loan was for. With already {$5300.00} invested in a lemon car and taking a huge loss I could no longer afford to invest payments in a car I could not drive on the road and voluntarily gave the car back XX/XX/XXXX. I personally called their towing company and handed it over. I was willing to pay the difference of the value of the car and what I've already invested in the car since the purchase in XX/XX/XXXX. They sold the car for {$2400.00}. They've received double the value of the car from me already. I presented Westlake Portfolio a settlement offer and they refused to provide me a letter before I paid on the agreement we came up with stating if I paid they would remove the debt from my credit. They wanted me to pay first, then they'd send me a letter via DocuSign stating what we agreed to. After being persistent they provided me with a vague letter stating they'd report it as settled. Not the agreement for " settled, paid for deletion '' we came up with. I've had to deal with numerous rude reps who like to think they know more than the consumer and being threatened by XXXX XXXX, a supervisor in the charge-off department on XX/XX/XXXX who said " they have ways to get the money from me '' I had to remind him that debt collectors are not allowed to threaten the consumer for wage garnishment, send harassing phone calls etc. I disputed the amount owed with Westlake and do not take ownership of the debt account in anyway. I have come with a settlement amount with them and WAS willing to settle this debt just to be done with them as long as they provided me with some assurance before I paid them. The trust between me and this company is gone and I will not pay on a debt I do not agree I owe unless they provide me with a letter stating they'll do as they say because they've already threatened me.
Product: Credit card or prepaid card

multiple unauthorized charges from out of state company appearing on account. disputed charges with Compass. Compass added the charges back to account without providing me any information or documentation i asked for. such as who is billing me for what? the second unauthorized charges simply listed " services ''. services which i never received or asked for. 

customer service rep i9 could barely understand and could not understand me told me i can do notin for you. call da company. i said what company. it says services. Compass rep replied, " yes ... just a de call services and they will fix it right up for you ''. he handed the phone to another guy seemed like XXXX or XXXX tried to talk like a cowboy and said, " how-dee what 's the problem ''. i explained to the supervisor what i told the other guy. he said, yep, it looked like a legit charge to him. i said it was thousands of miles away from me and i did not make this charge. supervisor replied, " so what 's the problem then? ". 

you can take a horse to water, but you ca n't make him understand XXXX enough to be a credit card customer service agent. 

COMPASS BANK DOES NOT CARE ABOUT ITS CUSTOMERS. nor does it understand them.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Delayed Response and Request for Assistance I am writing to report and complain about the delayed response from the credit bureaus regarding my request. I have been a victim of identity theft and have been diligently trying to have the fraudulent information, inquiries, and accounts removed from my credit reports. Despite my repeated efforts, the bureaus have not taken any action. 

I have contacted them multiple times, but each time they provide different information and have been stalling. As a result, my issue remains unresolved. I need your help to correct my address and remove the fraudulent accounts, inquiries, and any late payment tagging on one of my accounts, as I have always been a good payer.

Below are the account details without a history of late payments : ( Paid on time/Never late ) - CB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX -XXXX  XXXX, XXXX - XXXX XXXX  XXXXXXXX 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 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 XXXXXX/XX/XXXX I have also attached my FTC reports, dispute letters, and IDs for your reference. Your assistance in resolving this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( XXXX ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge