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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

I received an email that said my application for XXXX XXXX XXXX XXXX XXXX has been approved, which I have not applied for. I sent an secure message to Chase, and have not received their reply for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, I had uploaded and mailed the proper documentation to Equifax to show that I was a victim of identity theft. I had submitted a police report as well as an FTC report showing the items in question. Equifax has failed to delete several of the fraudulent items. The other two bureaus have successfully removed the fraudulent items. XXXX states that if the disputed items are not showing on your report at the time of the report printing, the items have been deleted. This information is circled for Equifax to see on their reinvestigation letter. Attached is proof of this activity. I demand for Equifax to remove the derogatory information from my file for failure to recognize the identity theft steps I was given by the identitytheft.gov website. Please refer to the attached police report for full deletion information : The items in question that still need to be deleted are : XXXX XXXX : XXXX : XXXX $ XXXX : XXXX $ XXXX : XXXX $ Inquiries : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Premium : XX/XX/XXXX Addresses : 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

XXXX is continuously reporting inaccurate information. I have submitted documentation countless times regarding my name. My name is XXXX XXXX, not XXXX XXXX. I have been divorced for yrs, I do not use the last name XXXX. 

So to repeatedly contact me and boldly state my file will remain the same with XXXX XXXX is unacceptable. I dont know who XXXX thinks have the time or patience to go back and forth over the same issue for yrs. Im not doing it. Fix my file. Imtired of using stamps and paper and the issue is STILL not resolved in XXXXMy name is XXXX XXXX , want me to spell it and sound it out? Documentation is attached, which XXXX already has this. Imtired & Im done.
Product: Payday loan, title loan, personal loan, or advance loan

OneMain Financial XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Subject : Debt Validation Request Account Number : XXXX ( Charge-Off Account ) Dear Sir/Madam, I am writing to formally request validation of the debt referenced above, which your company claims I owe and is marked as a charge-off. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am entitled to request verification and validation of any alleged debt within 30 days of receiving the first notice of the debt.

Please provide the following : 1. Verification of the debt : Proof that I owe the amount stated, including the original creditors name, and a complete breakdown of how the debt amount was calculated, including the status of the charge-off.

2. Proof of your authority : Documentation that you are authorized to collect this debt on behalf of the original creditor, especially given its charge-off status.

3. Original contract or agreement : A copy of the original contract or agreement that establishes the debt, signed by me.

Under federal law, you are required to cease any collection activities, including reporting to credit bureaus, until you have provided proper validation of the debt. Please consider this letter as my formal request for validation.

Furthermore, if you can not provide validation, I request that you immediately stop all collection efforts and rectify any negative reporting related to this debt with the credit reporting agencies.

Thank you for your attention to this matter. Please send the requested documentation to me at the address provided above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal made a charge against my credit card for {$38.00} on XX/XX/year>. They show the charge was made by a company called XXXX '' I never heard of this company or ordered anything from them. When I contacted Paypal, the person I spoke with had a foreign accent and I was unable to communicate with her. I also tried to a web search or XXXX and could not find anything.
Product: Credit reporting or other personal consumer reports

My payments have always been on time and never late or over the limit. XXXX, I have made XXXX payments a month. XX/XX/year> unfortunately our City of XXXX, Texas where I live was DECLARED AN EMERGENCY STATE OF DISASTER due to HURRICANE XXXX. It was horrible, no work, no banks, no food or groceries stores, lives lost, homes destroyed, people sleeping in cars, no hotels except over XXXX miles. XXXX had come in, but no one has gotten reimbursed or paid for damages. Inspectors are backlogged. People are still without homes after weeks. Homeless. I was using my credit cards because waiting to get reimbursed for employment lost and losses. I was not over the limit ever and because I am so lost with dates, times and where I am going, I checked to see what my balance was and payment due date because I have been out of connection due to no communication. When I checked I did not have payment due but saw I was over the limited {$8.00} which made no sense because I did not charge anything over the limit, I am careful. I had to take my last bit of money for food to immediately get it under the limit and said I would call them. I made the payment immediately for {$58.00} for get the XXXX amount of over limit. I called and spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and was upset because I never been late or ever had issues. She did acknowledge that I have been an outstanding customer and because of my hardship with the state of emergency she increased my limit and then told me the over the limit was not due to a charge it was interest. I was so upset with her and said why would you have done that because I have never had issues, and I am going through a lot with the President 's State of Emergency Disaster which should not penalize me let alone for interest. That over limit was interest. I told her I should have been protected and this needs to be removed due to it not being a CHARGE and THE EMERGENCY STATE OF DISASTER. It has already been enough for me and they should remove and delete as we have over limit protection. I also asked why she would report that she said they do not report over the limit it just so happened the reporting date are the XXXX of every month so that is why it was reported. She said she was going to escalate it and have it deleted and removed due to my great standings and most of all the President Declaring State of Emergency for Hurricane Beryl XX/XX/XXXX. She gave me a reference number XXXX and said someone would be reaching out. Someone did reach out but it was put in the notes wrong, so he had to redo it. I told him I was disputing it and he said to do that which I am this is it. THIS IS FOR XXXX XXXX XXXX  ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to Experian that these accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.My FTC report XXXX
Product: Credit reporting or other personal consumer reports

i do not have a contract with XXXX XXXX XXXX they did not provide me with a original contract as i have requested
Product: Debt collection

On XX/XX/2018 a certified letter was sent to XXXX XXXX XXXX XXXX. The letter asked for validation of the debt. I asked for three documentations. 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debt wherein he promises to pat the creditor/XXXX XXXX XXXX. 3. Complete payment history on this account so as to prove that the amount you wish to collect is correct. XXXX XXXX XXXX failed to provide me with all the documentation that I have the right under the FDCPA to obtain. The letter that they send to me stated that it was Verification of Debt not Validation of the debt. The amount on the letter is different form what it is reporting on my Credit reports. The information that was sent to me dose not have any of the information that was mentioned in the letter with the information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " It is the policy of the Congress 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. '' The furnisher of information to credit agencies is considered a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states, " 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. '' The furnisher of information to credit agencies, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX XXXX, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " 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. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) 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 seven years. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

I have been a customer of Capital One for a year, I currently have the Platinum Credit Card ending in XXXX. Per Capital One guidelines it stated that after 6 months of positive payment history I would be granted an increase. I have tried 4 times to increase my limit and Capital One has declined all 4 times. I have been a loyal customer for a year. I am very unhappy with the services I have received from Capital One.
Product: Checking or savings account

I tried to reach customer service in 3 different occasion, I waited a long time and nobody answered the phone.
On XXXX XXXX I logged into my online banking and saw several unauthorized charges on my account, so I locked the card using the mobile app. I noticed that my card was lost.

Now I need to report those transactions as fraud and also request a new debit card sent to my mailing address.
The last time I used my debit cad was on XXXX XXXX XXXX  Attached goes the screenshot with the unauthorized transactions to submit the fraud dispute, I never made business with them In the past and I didn't allow  someone else to use my card
Product: Debt or credit management

Clearone advantage the debt settlement company moved money from the savings account provided by itself for debt settlement purposes, claimed debts have become settled while speaking to the settlement agent and also before the five year period ended this program moved all money saved for settlement purposes into a fee scale to cover the fees for other obligations of credit card debt settlements until the bank savings became a XXXX balance from upwards of XXXX or XXXX dollars. The money is transferred to use for fees only still applied by this company and paid no debt only spotted in on a settlement company contract and continued to try and maintain the customer relationship for a longer period and even refer to other debt settlement companies. This arrangement is caused legal liability lawsuits and bankruptcy that would not have been possible or necessary if never turned to this type of financial service. They may take a vote and do a lump sum court trial hearing to settlement and then pay the tax credit balance to be considered successful business yet it is not my opinion that it is a good option for the average working hardship person in credit card usage
Product: Credit card

I ordered some items using my JC Penney mastercard ( not from JC Penney, from another site ) on XX/XX/XXXX. The items were delivered to me. ( amounts of {$6.00} and {$7.00} ) When I received my statement from the JC Penney Mastercard, there were two additional charges on my account that were from the original sites I had ordered from, but in the amounts of {$110.00} and {$82.00}. I had NOT ordered anything else from these sites, and I immediately contacted the fraud dept. at the card 's website. They started an investigation and reversed the charges. I then received notification that my claim had been denied because the items were shipped to my address. The charges reappeared on my credit card. I contacted them again TWO more times and told them that I had never ordered any more items, and nothing had ever been delivered to me. Each time I received notification that my claim was denied, because the items had been shipped to my address. I spoke with the fraud department at Synchrony Bank on XX/XX/XXXX and they were going to open my case again ( which had recently been denied again ) and get back to me. I am frustrated and angry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery is reporting accounts that arent mine on my credit. Ive sent them FTC reports and they just keep changing the dates on the accounts! I email in and they refuse to respond! They have been sued multiple times, yet they continue to do this kind of stuff!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit Reporting act. The Account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX XXXX XXXXXXXX Account numberXXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent.

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXXXXXX XXXX 
Please feel free to contact me at XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX On XXXX XXXX Sent a Request in according to USC 15 1692 gto Enhanced Recovery Col As of today XX/XX/XXXX, Enhanced Recovery Col has not complied to the debt validation request. Enhanced Recovery has not ceased in their action of collection of a debt not owed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According
to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.