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

In XXXX, I disputed an account on my credit report with Capital One as I was a victim of identity theft. Upon Capital One doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, XXXX, XXXX  and XXXX to delete this account from my credit file. 

Capital One did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, XXXX XXXX XXXX reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from Capital One on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that Capital One would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would XXXX XXXX XXXX proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not XXXX. I corresponded with XXXX  directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from the two other major credit bureaus already. 

With all of that in mind, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided responses, and dialing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items the evidence I provided I am requesting immediate corrective accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer. I am now opting out, of any and all authorization. 
I the consumer may have given you written, unwritten, verbal, non verbal per 15 U.S.C 6802, 6805 and Privacy act of 1974, 16 CFR 313.7, 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, 5 USC 522a I would like to be opted out of these account on my credit report Wellsfargo account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the inquiry issues that happened with trans union
Product: Credit card

I applied for a Citi XXXX XXXX in order to receive the 0 % interest for 21 months on balance transfers. I was approved for a decent credit limit -- more than I actually wanted for the balance transfer. I called Citi to make my initial balance transfer from an existing card to my new Citi card. They said that they could not complete the transfer over the phone and that I needed to make the transfer online. I went to do it online. On my Citi dashboard, under the " payments and transfers '' menu option, the dropdown only included a " make a payment '' option. It did not include a " balance transfer '' option. I did a search to find another way to initiate a balance transfer. When I went this route I got a " Looks like something went wrong '' message. I called Citi again. They told me it might be an issue with the browser I was using ( XXXX. ) So, I tried XXXX. Same issue. They gave me a claim number and told me they would send me an email to submit my issue via email. They told me to take a screenshot of the message I was receiving. I did. However -- they never sent me the email as they told me they would. This is extremely frustrating. I simply wanted to do a basic balance transfer to my new card. I have plenty of room on the card to make the transfer I wanted with more than {$2000.00} remaining of my credit limit. I feel like I have been scammed by Citi -- a company that seems to be a mainstream, reputable company. It is not. I've been scammed. If they are incapable of doing a simple balance transfer from one card to the other, they should not do a promotion touting themselves as a great balance transfer option. And -- on top of it -- no one on the phone seems interested in helping resolve the issue. Total scam. So frustrated.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX - CARD SERVICE XXXX {$1.00} XXXX INQ RESIDENT VERIFY XX/XX/year>
Product: Credit reporting or other personal consumer reports

There are recent inquiries I do not recognize. Please delete them immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX/DOFED Account Number XXXX Account Name : XXXX/DOFED Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 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 COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in 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 ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XX/XX/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 XXXXXXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the XXXX XXXX XXXX XXXX ( XXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information.

Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to XXXX XXXX  credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

This Loan was paid and should not be reporting on my credit. I have reached out to the company and the credit bureau, I do not owe this company any money
Product: Debt collection

i disputed the item on my credit report XXXX XXXX XXXX XXXX XXXX  it is still showing open after 30days on XXXX XXXX it is illegal to buy someone identity and try to collect without ones consent and report to the public usc 15 6802. they will provide wet ink signature to prove contract exists between me and XXXX XXXX do not have my permission or consent. i also requested to know if they filed a 1099 for any of the 2 accounts being illegally reported on my report. no reply but i will file id theft form with irs as well in case they filed a 1099.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two Tax liens on my report that have been paid in full and continue to be reported falsely as not paid. Please remove these from my report asap as they are being reported falsely
Product: Credit reporting, credit repair services, or other personal consumer reports

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX  XXXX
Product: Checking or savings account

My deposit has not been deposited in my Capital one account due to them having theirs party vendor issues. I am getting notifications that my payments are being returned or unable to process. I tried calling but I was on hold for an hour and a half. I hung up because no one came on the line or no way to leave a voicemail.
Product: Credit reporting

On XXXX/XXXX/2016 I applied for a rental apartment in Maryland. The credit report/criminal search was done by Corelogic / Saferent. I was approved with with a condition. the Leasing agent found in the report found that Corelogic / Saferent has linked my Name ( XXXX XXXX XXXX ) my social security, date of birth, middle name & address I have lived over 16 years is different from the person they have Falsely reported another persons information on my credit report/background check with a list of criminal charges I have called to the Corelogics / Saferent for hours by phone and no one has answered my calls. I am unable to move in to apartment my lease is up next week! This person is not me I want it immediately removed from my credit report and for it to never show or come up again in their system. I also want a letter in writing stated that it was removed.
Product: Debt collection

Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to TransUnion multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX XXXXXXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder XXXX XXXX XXXX. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by Wellsfargo to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is wellsfargo bank that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  account consumer reporting XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.Bankruptcy XXXX  XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights to privacy.

15 U.S.C.1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX XXXX XXXX XXXX, TX  XXXX CFPB Subject : Dispute of Fraudulent Accounts and Inquiries To Whom It May Concern, I recently reviewed my credit report and found several inaccuracies that I need to dispute as fraudulent. Please remove the following accounts from my credit report : Fraudualent Negative Accounts : 1XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Status : Closed. {$210.00} past due as of XX/XX/XXXX. 

2. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

3. XXXX  Date Opened : XX/XX/XXXX Balance : {$9200.00} Status : Repossession. {$9200.00} past due as of XX/XX/XXXX. 

4. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Status : Open. 

5. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Status : Account charged off. {$260.00} written off. {$100.00} past due as of XX/XX/XXXX. 

6. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 

7. XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Collection account. {$1900.00} past due as of XX/XX/XXXX. 

8. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Status : Collection account. {$200.00} past due as of XX/XX/XXXX. 

9. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Status : Collection account. {$300.00} past due as of XX/XX/XXXX. 

10. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} Status : Collection account. {$1600.00} past due as of XX/XX/XXXX. 

11. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Status : Collection account. {$130.00} past due as of XX/XX/XXXX. 

12. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Status : Collection account. {$3800.00} past due as of XX/XX/XXXX. 

Fraudulent Inquiries : 1. XXXX XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 2. XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 4. XXXX XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 5. XXXX XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 6. XXXX XXXX XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 7. XXXXXXXX XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX  via Dealer Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX 9. XXXX Inquired on : XX/XX/XXXX On record until : XXXX XXXX 10. XXXX XXXX XXXX Inquired on : XX/XX/XXXX On record until : XXXX XXXX 11. XXXX XXXX Inquired on : XX/XX/XXXX On record until : XXXX XXXX 12. XXXX XXXX XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX I appreciate your prompt attention to this matter and expect these fraudulent accounts and inquiries to be removed from my credit report immediately. 

Sincerely, XXXX XXXX XXXX XXXX