23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My XXXX Aunt went into your Capital One bank in XXXX, NY in XX/XX/XXXX. She had an IRA Annuity from XXXX that was issued in XX/XX/XXXX. She indicated that she wanted a fixed income for life. Instead of annuitizing her existing contract which was paying a higher annuitization rate due to the fact that it was an older contract issued when interest rates were relatively high, the Capital One agent, although the objective was current income, put on the financial profile that liquidity needs were low and she had a 9+ years time horizon. I do n't know of any XXXX with that kind of investment time horizon. Liquidity was paramount. On the Regulation 60 the reason for transfer was " need for Lifetime income ''. And they said " the reason the current contract could not meet the client objective : " it is a fixed annuity ''. In fact, the existing annuity could have provided a higher annuitized amount as it was an older contract, issued when interest rates were higher. A fixed annuity that was 11 years old could ( and should ) have been annuitized as it would have paid a higher rate of return. To make matters worse, as an IRA from which Required Minimum Distributions had to be taken, by using an immediate annuity, she is being forced to take much more than the required amount, therefore pushing her into a higher tax bracket and causing her Social Security to become taxable as a result. Nothing was done for the benefit of this woman. Because of their greed they put her in a very bad position financially. The only reason for exchanging the annuity was to put a commission in the pocket of the agent. This is taking advantage of Seniors at the least. At worst, it is FRAUD. The contract never should have been approved for sale under these circumstances.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) Consumer name : XXXX XXXX, XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a federal student loan account at XXXX on XX/XX/XXXX account number XXXX, a credit card load account from XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXX, a auto loan account at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a rent account at XXXX XXXX XXXX on XX/XX/XXXX with no account number, a collection account at XXXX XXXX A on XX/XX/XXXX no account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have issued a complaint with the FTC Identify Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I could not attach copies of any of my reports due to your site refusing to allow any form of download pdf files for this matter.
Product: Checking or savings account

On XX/XX/2022 CashApp ( XXXXXXXX XXXX  ) refunded payment made to me for services over a month and a half ago due to the paying party filing false disputes with the bank. These payments were made and received in good faith and services were rendered. To this point they have taken {$160.00} out of my account and " refunded '' to the other party without notification of dispute or cause for such dispute. I have tried to Contact the other party to no avail and the customer service department at the bank informed me that it was completely up to their discretion to remove funds from my account.
Product: Credit reporting or other personal consumer reports

I am questioning the presence of these additional accounts they've recently added to my credit report, to which I have no knowledge. 

Accounts in questions are the following : XXXXXXXX XXXX  - Account # : XXXX XXXXXXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX - Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

ED FINANCIAL ( Education Loan ) I was not notified about these accounts before anything was reported. I also requested proper validation and contracts with signatures Also my personal and private information keeps being sold to other debt collectors without my knowledge of it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ed Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Debt Dear [ ED FINANCIAL ], I am writing to formally dispute the reporting of a debt on my credit report by ( Ed Financial ), associated with account number [ MY CREDIT REPORT SHOWS NO ACCT # ]. ( BALANCES ) - {$5000.00}, {$11000.00}, {$6100.00}, {$3300.00}, {$2700.00}. 
This debt was reported without proper notification to me as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ), debt collectors are required to provide consumers with a written notice of the debt within five days of their initial communication. This notice must inform the consumer of the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. I have not received any such notification regarding this debt, which is a violation of my rights under the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting. Reporting a debt without providing proper notification or validation violates these rights. Since I was not informed of this debt, I have not had the opportunity to dispute or verify its accuracy. 

I am requesting an immediate investigation into this matter and the removal of this unverified and improperly reported debt from my credit report. Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the disputed debt. 
Any relevant correspondence related to the debt ( if applicable ). 
Please provide me with the results of your investigation and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution and the correction of my credit report. 

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

In accordance with the Fair Credit Reporting Act the list of account below has violated my rights : 15 U.S.C 1681Section 604 A States I have the right of privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s_2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any information is inaccurate. 
please remove or delete inquiries that I don't recognize XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Credit Report Dispute under 15 U.S.C. 1681 ( e ) To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report, as per the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. Specifically, I have identified the following inaccuracies that I believe require correction : 1. Account Name : U S DEPT OF ED o Partial Account Number : XXXX o Date Reported : XX/XX/XXXX,, XXXX o Nature of Dispute : Identity Theft. I believe this account was opened fraudulently in my name without my authorization. 
As per the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter and update my credit report accordingly. Under 15 U.S.C. 1681 ( e ), credit reporting agencies are required to investigate disputes within 30 days of receiving a dispute notification.

To assist in resolving this issue, I am attaching the following documents : Please see attached Data Breach supporting documents. 
I respectfully request that you remove or correct this fraudulent information on my credit report immediately. Please provide me with the results of your investigation in writing and include any actions you have taken to resolve this matter. 
Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - SSI BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card

While applying for a home loan my wife and I noticed a Capital One XXXX XXXX card on her credit. We do not have this card and do not shop there. It has a {$88.00} balance and $ XXXX payment but we did not open this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  I showed up on my credit report for an account. I sent a letter via email to the company which the company received XXXX tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  I and the collection agency and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect this debt in my state. I have not heard anything from them this is my forth attempt.This account is still reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance XXXX {$370.00} ; XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$350.00}.
Product: Debt collection

I was contacted in XX/XX/XXXX about a debt in my name that was being collected by MLC and I responded on XX/XX/XXXX via certified mail requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

I received a response after XX/XX/XXXX which only provided a portion of the requested validation information : The name of the creditor and amount owed. 
The date the account when it was obtained by them Confirmation that the account is marked " in dispute '' I did not receive verification that it was a valid claim, a copy of the last billing statement from the original creditor, a detailed explanation of the interest or added payments, nor information confirming this collection agency 's authority to collect. 

I subsequently sent another letter on XX/XX/XXXX explaining that I still require the requested information in order to validate the debt and I requested a signed copy of a bill or statement attesting to my financial responsibility, and the previous list of required documentation/information. I provided notice that under the FCRA they are legally required to provide this documentation and if it was not provided the debt must be dissolved. 

I never received a response from the collections agency ( MLC ) in regards to the validation information, and validation was never confirmed. 

On XX/XX/XXXX, I received noticed from the Credit Bureaus that a collections charge was posted to my report by the collections agency even though they failed to validate the debt in question.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for its failure to address and correct the multiple inaccuracies associated with the XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. Despite previous disputes and reinvestigations, Experian continues to report inaccurate and conflicting information, which violates the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 

Details of Disputed Account Account Name : XXXX XXXX XXXX Account Number : XXXX Identified Inaccuracies Upon reviewing my XXXX and Experian reports, I identified several discrepancies and inaccuracies with the reporting of this account : Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX This discrepancy suggests re-aging of the account, which is a violation of the FCRA. 
Account Type : XXXX : Revolving Experian : Line of Credit Last Payment Date : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Balance and Status : XXXX : Balance : {$0.00}, Status : Pays account as agreed Experian : Balance : {$260.00}, Status : Account charged off with {$390.00} written off. 
The conflicting balances and statuses can not coexist and demonstrate clear inaccuracy. 
Status Update : XXXX : Status updated XX/XX/XXXX Experian : Status updated XX/XX/XXXX Comments Section : XXXX : Account Closed by Credit Grantor, Fixed Rate Experian : Completed investigation of FCRA dispute consumer disagrees Experians comments indicate prior disputes that were not adequately resolved.

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Assure Maximum Possible Accuracy FCRA Section 1681e ( b ) : Experian has failed to ensure the maximum possible accuracy of the information reported about this account, as required by Section 607 of the FCRA.

Re-aging of Account FCRA Section 1681s-2 : The opening date discrepancy indicates potential re-aging, which extends the reporting period beyond the legal 7-year limit. Re-aging is a violation of Section 623 of the FCRA.

Failure to Conduct Proper Reinvestigation FCRA Section 1681i : Despite two previous disputes, Experian failed to conduct a proper reinvestigation of this account and continues to report inaccurate information.

Failure to Verify Information FCRA Section 1681i ( 5 ) : If Experian can not verify the accuracy of this information, it must be removed. Retaining unverifiable or inaccurate information is a clear violation.

Experian has failed in its obligation to maintain accurate reporting and conduct thorough reinvestigations as required under the FCRA. The discrepancies, re-aging, and unresolved disputes are causing significant harm to my credit profile, and I expect immediate action to correct these violations. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified your company several times about the fraudulent accounts that are on my credit report. Yet, your company refuses to block this information and said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. These fraudulent accounts also do not relate to any transactions that I have more or authorized. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed do not apply so I can only believe that your company is purposely allowing this fraudulent information to continue reporting to my credit report for your own personal gain, which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you I have notified your company several times about the fraudulent accounts that are on my credit report. Yet, your company refuses to block this information and said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. These fraudulent accounts also do not relate to any transactions that I have more or authorized. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed do not apply so I can only believe that your company is purposely allowing this fraudulent information to continue reporting to my credit report for your own personal gain, which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Product: Payday loan, title loan, or personal loan

Was approved for a personal loan and was told to log onto their portal to access and e-sign the loan docs. $ $ $ in my account in 2-3 days. No such page was accessible on any platform -- their app, website or via a browser. 9 phone calls to try to " fix a technical issue '' which apparently happens every day, as I have subsequently seen in numerous complaints. Was told that they would snail mail me the loan docs -- I refused, as the loan was intended for an emergency need. Asked them to fix their technical issues. Within an hour, I Received a voice mail that they had already mailed me the docs, and thus I could not have any access to them online. Called up and they got nasty. Have reported them to XXXX XXXX, on whose site they appear. 

I am now trying to pull my credit to see if their infamous " hard credit inquiry '' tying up my available credit is going to sink me, as it apparently has so many people. 

I fear this was either a scam to get my information, or is their way of operating ( to deny reasonable and speedy online access ) due to a terrible cash flow or loan funding issue, i.e. they may " approve the loan '' but have not actually funded it ... this insistence on mailing buys them time.
Product: Checking or savings account

I joined Ally 's payback promotion in XX/XX/XXXXand I had confirmed with several representative that I would be eligible to get the full {$1000.00} bonus if I make {$100000.00} deposit into the account after I enrolled into the promotion. It would not matter if I withdraw any money before the enrollment. Due to this fact, I decided to enroll the offer and kept the money in the account for 3 months. However, I only received {$740.00}.