23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent in an ftc report as well as proof that i was incarcerated to transunion and ask that they immediately block this information under FCRA as it states if i send in this information that it would be blocked. I also told them that if it is to stay on my file, that I needed to know the method of verification as I do not consent to the XXXX XXXX  since the company that has stolen my identity knows how to get through it. 

Transunion then responded that it was verified and ignored my request yet again for the block and the method of verification for these XXXX accounts XXXX XXXX Bank # XXXX, Balance {$500.00}, Date Opened : XX/XX/XXXX Patienty FI # XXXX, Balance {$430.00}, Date Opened : XX/XX/XXXX
Product: Credit card

I am writing to file a formal complaint against Capital One regarding their refusal to resolve a chargeback dispute for a transaction listed as " XXXX XXXX '' in my credit card statements. 

Despite Capital One 's claims that they requested additional information from me regarding the dispute, I have never received any such request. The only correspondence I received from them was a letter stating that the dispute process had been initiated. I promptly provided Capital One with the contact information of the involved parties, expecting them to gather more information and resolve the issue. Unfortunately, they failed to contact the parties and are now stating that I must contact the merchant myself. 

I contacted the merchant months ago, and they falsely informed Capital One that they never received a refund request. I have concrete evidence proving that the refund request was indeed made and provided this evidence to Capital One. Despite this, Capital One has refused to honor the refund. Furthermore, the merchant has been persistently harassing me and attempting to charge my credit card illegally, even though I informed them that a refund was issued to me. 

The negligence and lack of effort from Capital One in handling this dispute are unacceptable. Their failure to communicate and act on the provided information has caused me significant distress and inconvenience. 

I request the CFPB 's intervention to ensure that Capital One properly investigates and resolves this dispute. I expect Capital One to honor the refund and take appropriate actions against the merchant for their deceptive practices and harassment. 

Thank you for your attention to this matter.
Product: Debt collection

I have noticed that this debt was placed on my credit without any sort of communication of the debt before it was placed on my credit. I contacted the company in XX/XX/2022 and asked for a statement in relation to the debt that I was going to dispute and never received any communication. There were no phone calls, no written documentation provided. When I called to inquire about the debt I was pressured to make a payment and I informed them I was disputing the validity of the debt it is XX/XX/2022 and still no communication other than placing it on my credit report.
Product: Debt collection

NOTE : I checked the option that showed " Attempt to collect the wrong amount '' because that was the best option. Not the real problem. 
The real problem was that I negotiated a " Pay for Delete '' with this company, and they didn't hold up their end of the bargain and delete the information from my credit file.
Product: Credit reporting or other personal consumer reports

Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX transunion XX/XX/XXXX XXXXXXXX XXXX transunion XX/XX/XXXXXXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention
Product: Student loan

I have been paying Navient XXXX dollars every month for the past 4 years. I had {$100000.00} total in student loans debt prior to start of repayment, however my current balance principle is still little over {$100000.00}. I have not deferred any payments since the beginning. I have concerns regarding how my payments are being distributed. I have paid over XXXX dollars yet my principle has only came down {$5000.00}?? Please take a look into this. I very much appreciate your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. 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. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX Account XXXX date last active not reporting correctly shows date of XX/XX/XXXX on XXXX also shows last report date of XX/XX/XXXX date opened is XX/XX/XXXX experian date of being opened is XXXX XXXX last date of activity is XX/XX/XXXX. XXXX shows last date of activity XX/XX/XXXX and last payment XX/XX/XXXX transnunion shows no payment history and XXXX and Experian dates are not correct for payment history and collection status I am asking you to reinvestigate this account XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  Account # XXXX U S DEPT OF ED/XXXX Account # XXXX XXXXXXXX XXXX XXXX  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 XXXXXXXX, has violated my rights.

MOBILE USA 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
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX has violated my rights.

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

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

I am formally disputing the validity of a collection account currently reported by IC System on my credit report. I recently reviewed my credit reports in preparation for purchasing a home and was shocked to discover this collection account. I previously had an account with XXXX XXXX XXXX ; however, I requested its cancellation and received confirmation via email that my request had been honored and that my balance was {$0.00}. Per XXXX & XXXX instructions, I also returned all required equipment. Since that time, I have never received any calls, texts, or emails indicating that there was an outstanding balance on my account. This collection account is negatively impacting my credit and preventing me from securing a home loan.
Product: Debt collection

Consumer XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( 14 ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX organization, which according to this subchapter is not the true name of the debt collectors business, company, or organization.
Product: Credit reporting or other personal consumer reports

There are unknown unauthorized addresses and inquiries I did not authorize coming from Experian consumer report. Please block and delete the following information : XXXX XXXX XXXX XXXX  Resident Verify XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Equifax found errors on Equifax pertaining to my report that is incorrect do to the law 15U.S.C 1681. I demand to see proof and the original contract with my signature.Equifax failed to positively verify these accounts & has hurt my ability to obtain credit.. under FCRA UNVERIFIED accounts must be REMOVED if unable to provide me a copy of verifiable proof! WITHOUT a copy of the original contract with my wet signature.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report. I am a victim of a recent data breach, which has compromised my personal information, resulting in unauthorized accounts and inquiries. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit file.

The details of the unauthorized accounts and inquiries are as follows : Fraudulent Accounts 1. XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 2. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} 3. XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$69.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$16000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX  XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$750.00} Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I cancelled service with XXXX in XXXX 2015. I repeatedly attempted to dispute final billing changes to no avail. I am more than willing to pay the portion I actually owe. Since the account was closed I was no longer able to access my account information online. I sent numerous letters and called numerous times and was transferred from XXXX person to the next. Recently, my account was sent to a collection agency and reported on my credit file.
Product: Checking or savings account

I was instructed by XXXX XXXX to get refund from cash app that they would not claim funds and I was denied without explanation. XX/XX/year>. My account was closed without explanation XX/XX/year>
Product: Credit reporting or other personal consumer reports

Hello. 
I would like to inform you that about 2 weeks ago XXXX XXXX XXXX closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and XXXX guys did a GREAT JOB, because XXXX XXXX XXXXXXXX XXXX XXXX checking account back ( which should have never been closed in the first place without any investigation ). 
So, now they have decided to go after my XXXX Account, which is again absolutely UNFAIR and UNJUST. I have contacted XXXX XXXX XXXX many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from XXXX XXXX XXXXXXXX which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. 
Today I was checking the Credit Karma app. I realized that a Remark Code was added to my Credit Report and that the Credit Score with Equifax HAS DROPPED FROM 688 TO 627 ( 61 POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my Credit Score and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( XXXX XXXX Credit Card Account Closure letter from Bank XXXX XXXX. 

Thank you in advance!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : XXXX -- XXXX | DOB : XX/XX/XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : ONEMAIN Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Your immediate attention to this matter is greatly appreciated Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed a couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX-XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XXXX  XX/XX/2020
Product: Student loan

My private student loans with XXXX XXXX ( now called Navient ) went into default following a period of unemployment. In XXXX 2015, I was contacted by " Navient Recovery '' and told that I could bring my loans into a " Reduced Interest Rate Partial Repayment Plan '' if I made XXXX down payments and continued to make at least minimum monthly payments afterwards until the account was paid off. I have been making these payments since, but as of now, ten months later, Navient XXXX refuses to send me paperwork that verifies the terms of our agreement. My interest rate has not changed, and every month Navient updates my credit report with " debts not paid as agreed. '' Despite months of calls and speaking to " supervisors '' I am unable to speak to anyone at either Navient or Navient XXXX who can either confirm or deny my participation in the program, the terms of this program, and when my account will be changed to a partial-payment agreement status. Messages are left unanswered, and representatives have on several occasions told me they " have no legal obligation to provide me with paperwork '' that discloses the terms of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent an letter to XX/XX/XXXX Home Loans ( account # XXXX XXXX. I advised XX/XX/XXXX Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently 90 days past due. However, XX/XX/XXXX Home Loans sold the loan to another company and should be reported 90 days past due.