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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports 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 ( 2 ) In accordance with the WRITTEN INSTRUCTION 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 IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax no Im not happy I need to know who removed XXXX account from the file? 
I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately
Product: Credit card or prepaid card

I applied on-line for a XXXX Chase credit card in XX/XX/2021. The Chase website application link for this credit advertised that upon completion of a $ XXXX spend within 90 days of account opening - I would receive XXXX XXXX points + additional points if I continued to spend on the card. ( see attachment of XXXX offer web page ). 
I never received the points so I contacted XXXX Customer Service 5 times and each time received the same response : ( no record of this offer ) They applied a {$300.00} credit on my account and a free night stay. No way near the value of the original offer. 
I then contacted the CEO and XXXX other executives and requested their help in resolving this issue. To date, I have not received a response.
Product: Debt collection

The following debts reporting on my Equifax credit report is not valid. I have health insurance and my provider could not locate a claim for the following accounts. I was previously a victim of identity thief, and I am assuming this account was a part of someone using my identity. I have insurance through XXXX XXXX XXXX and has for the last 7 years and any medical bills would have been through them. Please delete the following accounts as they were not opened by me, nor did I receive service from the company. 
XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I 'm XXXX years old and my junker XXXX XXXX XXXX goes up in smoke on the side of the highway. It 's XXXX and I have n't been able to find work since XXXX because of College. I have no money in my bank account, and awful credit. In desperate need of a car I walk myself into a XXXX dealership and tell them I have absolutely no money and need a car. With no work history, no money, awful credit, and at XXXX years old they approved me for a 36-month loan for $ XXXX, {$21000.00} for a {$13000.00} vehicle. I 'm almost XXXX, can barely afford to take even XXXX or XXXX classes a semester a the XXXX college, absolutely can not afford this car without starving myself and living in it. I am willing to return the car but I feel taken advantage of and I can not deal with this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been a negative account sitting on my credit report since XX/XX/XXXX being the first day they reported it and since it can only be allowed to sit there for 7 years it should have been off my credit report XX/XX/XXXX we are now in May and this needs to be deleted from my file it has already been deleted from two other bureaus but Experian has it sitting in there file for no reason I have asked that it be deleted  immediately because they continue to report it and it is time barred and it is also hurting my score ... thank u
Product: Credit card or prepaid card

Summary of explanation written below is that the Capital One XXXX XXXX failed to get a bill to me on time so I could pay on time. This resulted in a late fee and interest charges. I've called Capital One about this twice now. I don't want to have to keep calling, and I expect all fees to be refunded. 

XX/XX/XXXX - Made first purchase using new XXXX credit card issued thru Capital One Retail Services XX/XX/XXXX - Credit card was declined at XXXX check out. Immediately before leaving XXXX store, I called Capital One Customer Service ( XXXX ) to find out why. Customer Service told me that my account was overdue. I explained that I had not yet received an invoice and this was very disturbing since we always pay our monthly balances on all our credit cards to avoid interest charges. I questioned whether Capital One had a problem getting bills to customers on time considering the XXXX mail rush and Covid, however the customer service representative did not acknowledge any bill delivery issues. I am XXXX, and I have never had a problem with credit card companies getting bills to me on time. 

Took this as a sign that something may be wrong with the credit card, so on the same telephone call I told the customer service representative I wanted to pay off the balance and close the account. The customer service representative allowed me to do this, but only with another debit card ... so I paid off the account on the spot in the store to avoid more problems. 

XX/XX/XXXX - This next day I received the missing bill ( attached ) in the mail. It was post marked XX/XX/XXXX, so it was delivered weeks late and was the cause of the account being overdue. 

XX/XX/XXXX ( not sure of exact date ) - Called Capital One customer service back because I was worried that they added late fees to the amount the charged my debit card to close out the account. I was told they charged a {$27.00} late fee. I told customer service I wanted that refunded. Customer service said I'd have to wait ( for a bill ) and ( I believe I'd need to ) call back to to get a refund. On this second call, this customer service acknowledged that bills had been delivered late to other customers. I don't know if this was due to Capital One bill processing or the Postal Service. 

XX/XX/XXXX ( again not sure of this exact date ) - Received the 2nd bill which showed that Capital One had not only charged a {$27.00} late fee, but also {$12.00} in interest. 

I have not called Capital One a 3rd time to ask for a refund ( {$27.00} + {$12.00} and any other charges Capital One might want to add ).
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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 or other personal consumer reports

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.
Product: Credit reporting or other personal consumer reports

I opened this account for credit building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments which are inaccurate and in violation of 15 USC 1681. Not only are they in violation for furnishing an account with inaccuracies, but this account is also in violation of 15 USC 1666B. There is a billing error considering the accommodation and the account was paid and closed.
Product: Credit card

I've consistently maintained on-time payments for this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Under 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus refuses to send me the requested documentations they are using to verify accounts with questioned accounts. according to fcra 611 ( a ) the credit bureaus were required to forward me all the relevant information provided from the creditor for their investigation of my dispute.
Product: Checking or savings account

I tried to apply to another bank recently and I got denied when I check the reports it stated that an account with Bank of America was opened sometime and closed in XX/XX/2019. I did not have knowledge nor give authorization to open an account with Bank of America I always had XXXX  for the past 5 years I need help with this please its very frustrating Bank America has knowledge that its was a fraudulent opened account
Product: Credit card

To Whom it May Concern, DELL FINL SVCS XXXX XXXX incorrectly serviced my account, made it impossible to make payments, and will not remove the late payment mark from my credit history. A mark I could not have avoided due to their technical failures. 

In XXXX of XXXX, I tried calling the number listed on my mailed statement to pay my on my account to keep it current. The number listed was no longer in service. I then tried their web page, a representative told me I could not submit payments online for this account and I would have to send a check. I stated I had paid for years via the phone and they stated a change was made to these old accounts and they would only take a check. I tried in vain to find other numbers for Dell Financial Service that would answer questions about my account, but either found dead numbers or people who couldn't answer my questions. I sent a check to DFS on XX/XX/XXXX, past the posted date ( I had to order checks ) but not 60 days past. I received zero communication from DFS, only noticing in XXXX that my credit report was dinged for late payment on an account. 

Again all posted numbers in previous mailings I had received were dead lines. I called their headquarters several times until I got a human being who could accept my payment. They could not tell me what happened to the check, why the # 's posted and emails I had sent were unanswered, and when I asked if they could remove the late payment mark on my credit due to the circumstance, they said no one at Dell could do that. I then asked to escalate and was hung up on with XXXX resolution. 

The next month they sent a letter saying they had cleared my debt out, because my account was so old they could no longer service it. 

To summarize, I was able and willing to make payment on my debt. I made every good faith effort to contact them and pay on that debt on time, they never communicated a change in accepted payment method nor the deprecation of their payment/support line for my type of account. I mailed a check and they never responded with any issue or sent a letter of non-payment to say the check had not been processed. After finding a human that could take my payment, they still could not answer questions about my account. I feel like this mark on my credit history is extremely unfair and fear others may also be impacted with similar " older '' accounts.
Product: Debt collection

I am submitting this communication as a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has an engaged in a predatory, deceitful, and willful practices to destroy and ruin my credit. As a way of background, On XX/XX/XXXX, I obtained a HELOC from Citibank on a property I owned at XXXX XXXX XXXX XXXX NY XXXX, the predecessor in interest to XXXX, there was an ambiguous and unsubstantiated debt which was contested paid for at least 13 years and subsequently after that period XXXX  produced a payoff letter which was paid in full on or about XX/XX/XXXX. Payoff letters were generated and mailed to me ensuring that the debt was fully satisfied, about a year later XX/XX/XXXX, XXXX starts reporting to all the credit bureaus instances of delinquent payments and continues to do the same every month until today. This has tremendously damaged my credit worthiness and my business prospects, which caused numerous business opportunities to be quashed as a direct result of XXXX willful malicious conduct
Product: Credit reporting, credit repair services, or other personal consumer reports

The address at XXXX XXXX XXXX XXXX XXXX Fl XXXX is not my address. i have never lived at that address
Product: Checking or savings account

I opened a Citizens Access XXXX account on XX/XX/year> and funded it same day with {$25000.00}. Since then I can not touch the money or transfer any money out of account ( money is available but frozen ) and when I call the reps they say we have no information for you except that the account is under review and we don't know why or for how long. Citizens essentially held my money hostage and is not giving me access to any of my funds. At this point I want all my money sent back to the account it was funded from and I want the Citizens Access Savings account closed because these people can not be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. 


To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. 


Sincerely. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

Constant telephone calls. Sent an email requesting the account be considered paid in full.
Product: Credit reporting or other personal consumer reports

Re : Validation of Account This letter is being sent to you in response to a listing on my credit report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

Your offices are already in violation of 15 USC 1692g ( a and b ) by not providing any notice of debt and giving me the allotted time to dispute said debt which are punishable fines up to {$1000.00} per violation. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Credit reporting or other personal consumer reports

My identity was stolen in 2022 and I still have the same incorrect information on my reports. Even after having fraud alerts and credit freezing. I can not be verified when I try to get bank accounts. I get emails, phone calls and mail stating I owe XXXX in credit card debt. My name is being removed and my middle name is being used instead, like my first name is fake. This problem is with all credit reporting companies, even the third-party companies that the three major companies use. At this point I just do not know what to do or have the energy to keep getting shut down at every turn to fix it.
Product: Debt collection

.C. SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXXXXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor. 
o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.
Product: Credit card or prepaid card

Wells fargo stole around {$8000.00} out of my account. My husband had a credit card with them and they illegally added the credit defense platinum on to it without authorization. After wells fargo lost their class action lawsuit they refunded us a check for {$3500.00}. This does not come close to what we are owed. We could not finance a house and had higher interest on vehicles because of lowered credit score. We would like our money back and I can not get any on the phone that can explain why we received that number back or why they were able to go into our account and take money that was not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX, Account # XXXX, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy. 

Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Credit card

SELF / LEAD Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, XXXX, TransUnion I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they XXXX be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Never received promotional {$300.00} credit after meeting the conditions for the credit. Complained to CFPB who did nothing but shuffle complaint to Bank of America who promptly lied to the Federal Government, Gee what's new? Said bank told CFPB in latest lie that they have sent me mail. Never received any contact from the bank and yet CFPB considers the matter closed? Well I don't. Somebody at CFPB needs to shake the tree, this is ridiculous.