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

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX  Account Number:XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit reporting or other personal consumer reports

You BANK OF AMERICA are a furnisher of information and are prohibited by law from reporting inaccurate information, regarding account number XXXX, which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt.

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : Account # : Different dates reported by each credit reporting agency XXXX : No reported XXXX : XXXX XXXX : No reported High Balance : Different account status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$9000.00} Date of Last verified : Different dates reported by each credit reporting agency. 
Date of Last Activity : Different dates reported by each credit reporting agency. 
Date Reported : Different dates reported by each credit reporting agency Date of Last verified : Different dates reported by each credit reporting agency.

Closed Date : Different dates reported by each credit reporting agency. 
Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency. 
Two year payment history : Different dates reported by each credit reporting agency. 
XXXX : CO XXXX : No reported since XX/XX/year> XXXX : None reported 15 U.S.C. 1681e ( b ) Accuracy of Report 15 U.S.C. 1681s-2 ( b ) - Reporting Information After Notice and Confirmation of Errors 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose An account can not be both a charge-off and a collection at the same time! A charge-off is a canceled debt, and a Form 1099-C must be issued to the consumer. How can you collect on a canceled debt? The collection of a canceled debt that has been charged off constitutes tax fraud and will be reported to the IRS. I will be filing a Form 3949-A.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$26.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX, XXXX XXXX , to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identity theft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.
Product: Debt collection

XXXX XXXX I received 4 harassing threading phone calls in one day requesting personal information about myself, saying I have a debt with XXXX. 

I do not know who XXXX is? 
2 of the people identified them self 's XXXX XXXX & XXXX XXXX Nationwide Recovery XXXX XXXX XXXX XXXX TX. XXXX If there is a debt or invoice please email or fax that information without threats. 
Email : XXXX XXXX : XXXX
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 XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a 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

Best Buy card services sent a late payment to credit report companies XXXX, XXXX and XXXX on a purchase I did not authorize. It was a purchase made in Minnesota and I live in Texas. The scheduled amount was {$67.00} max reported on XX/XX/. This is causing an unnecessary low FICO mortgage score. The credit card last four digits are XXXX.
Product: Credit reporting or other personal consumer reports

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my XXXX credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks. 

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed XXXX of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact XXXX immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The Apex asset management is trying to get money for rent for service XXXX/XXXX/XXXX XXXX XXXX $ XXXX in XXXX appartments, XXXX, PA. I do not live there since XXXX! I had lease for for period from XXXX for 1 year wich i signed. When i was leaving i told manager that i am leaving, i was roomate and the deptor was another girl, my classmate, she stayied there. I got letter from them ( Apex manegement ) that she left XXXX/XXXX/XXXX and i have to pay for 1 mons, because she left and did not pay for last mons. I have no idea, i did not see her already 3 years, i am living in XXXX 3 years since XXXX. Apex maneger told me anyway i have to pay, since i was in lease, but i signed for period 1 year ( XXXX ), i did not sign for 3 years. It is fraud, they crushed up my credit score and they opened dept collection now, wich i have to pay, but why? i do not live there since XX/XX/XXXXI have plenty of evidence that i live in XXXX since XXXX XXXX i have my job here, i have family, i have another lease agreement with another landlord since XXXX, i am making regular payments, i am person who will never drop something wich i have to do. Tank you for you help.
Product: Checking or savings account

{$2000.00} was stolen from my checking account. On XXXX, I was scammed by a fake TD Bank Fraud Services Representative who sent a text from a XXXX digit number asking about a charge that was made to my card asking to confirm if it was me. I responded with NO and then received a call from ( XXXX ) XXXX which said TD Bank. Asked me about 3 charges to my card : No XXXX. XXXX something dollars to XXXX XXXX XXXX in Florida. 

No. XXXX. XXXX something dollars to XXXX in Florida. 

No. XXXX. XXXX something dollars to a grocery store in Florida. 

I declined all 3 charges and the Rep proceeded to say, also the person is requesting to take {$3500.00} out of my account as well through an ATM. I obviously was like what, well let 's shut it down. And he was like " Okay, we will refund the money into your account you're going to receive a text message. '' I then received the text from a XXXX digit number and he said, " Did you receive the text? You need to text back your username with the work cancel after it. '' I did. He said the money would be sent back in the same way it was being withdrawn. 

Then I received another text saying XXXX will be refunded to your account. Please respond YES or NO. 

Responded YES. Texts kept coming.. XXXX, XXXX, XXXX, and the guy was still on the phone and said : " Keep responding yes, I'm just going to work here quietly if that's okay? '' I say okay. 

After about 6, they stopped. The call ended. 

I called back TD Bank, they transferred me to the fraud department and said it wasn't them who called. 

Now there is nothing TD Bank can do. {$2000.00} was taken from my checking account.
Product: Credit card

XXXX and XXXX XXXX Capital One Dispute Case XXXX Hello, I would like to complain about unfair and negligent consumer practices exhibited by Capital One credit card dispute resolution department. Capital One closed my dispute case without a proper review, even though all documentation requested by them has been provided. 

The dispute was initiated by XXXX XXXX - an authorized credit card user ( The Customer ) against XXXX XXXX ( The Merchant ) due to an unauthorized charge of {$170.00} via Capital One Visa card for XXXX - XXXX membership services that haven't been provided. 

Capital One issued a conditional credit for {$170.00} to the Customer 's account on XX/XX/XXXX, and asked the Merchant for a response The Merchant responded ( falsely ) that the Customer had not provided a cancellation notice. The Merchant provided the following documentation : The policy agreement ( including the cancellation policy ) signed by The Customer in XXXX using an online form - Document 1 < please note that none of those were communicated to the Customer at the time of cancellation ; moreover, the Merchant acknowledged the service cancellation ; and then promised to revert the XXXX charge. Have we known that the Merchant was planning to charge us for one more month, we would have certainly used the services > Capital One closed the dispute on XX/XX/XXXX, based on Merchant 's response The Customer called Capital One on XX/XX/XXXX and asked to re-open the dispute due to the incomplete and false information provided by the Merchant The Customer sent the required documentation on XX/XX/XXXX including : The evidence of multiple emails attempting to resolve the matter with the Merchant before initiating the dispute - XXXX  XXXX The written ( email ) communication with the Merchant including the cancellation notice, the Merchant 's acknowledgment of this cancellation notice, and the Merchant 's promise to revert the unauthorized charge - XXXX XXXX Capital One acknowledged the receipt of the documents and closed the dispute on XX/XX/XXXX providing the following explanation ( Document 4 ) " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed ... '' No further details have been provided by Capital One ( e.g. what information is missing ) All of the information Capital One requested to resolve the dispute has been provided ( XXXX XXXX ), so the above-mentioned statement by Capital One is deceptive and contradictory. Capital One used a standard-templated letter to mask the unwillingness to spend its resources on reviewing dispute documents and bringing the dispute to its fair conclusion : thereby causing consumer harm. 

Enclosing Documents XXXX for references Please assist me in resolving this matter by escalating it to the proper channels within Capital One Kind regards, XXXX and XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX  Breached its contract and that Breach resulted in the alleged debt of {$470.00}.

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders.

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights.

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending.

SourceRm XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I called Chime Bank where my Checking account is and I asked them if they could get in my checking account and send XXXX, XXXX a XXXX dollars Down Payment for a vehicle that I was approved for they told me YES and they went to my checking account and deducted the XXXX dollars and Electronically sent it to XXXX, XXXX so I thought my delivery of my NEW VEHICLE was supposed to be on XX/XX/2023 on XX/XX/2023 I received a phone call from XXXX, XXXX telling me that they were not going to deliver my vehicle on XX/XX/2023 when I asked why not they told me that they have not received my XXXX dollars DOWN PAYMENT yet so they told me that they have to reschedule the delivery for the next week XXXX, XXXX then scheduled the delivery to XX/XX/2023 on XX/XX/2023 the day of the delivery I never heard anything from XXXX, XXXX whatsoever so that's when I called them and I asked them why haven't I heard anything from you about my delivery for today that's when they told me once again we still have not received your XXXX down payment so I called CHIME for the XXXX time and told them what XXXX, XXXX was saying, CHIME kept lieing to me telling me that they sent the XXXX DOWN PAYMENT to XXXX, XXXX finally I asked CHIME can you please send me proof of the check you sent to XXXX, XXXX when they sent the check image EVERYTHING on this check was wrong they had XXXX, XXXX wrong address on this check they had my information wrong they said I live in XXXX XXXX XXXX, UTAH when my CHIME PROFILE shows my correct information. They still HAVE NOT GAVE ME back my XXXX dollars they stole from me even as of Today 's date I'm asking you for your help to get my XXXX dollars back as well as DAMAGES for all the Stress they put me under,
Product: Payday loan, title loan, or personal loan

Capital one line of credit issue : I have a capital one line of credit for 20 years and recently, during the Covid19 pandemic, they decided to discontinue the account for no reason. They also raise interest and auto deduct the monthly charges out of my checking. 

I have been contacting the bank for entire year to at least start sending me a monthly statement so that I know what I am paying in principle and interest. This way, as a customer, I can keep an eye on things. 

Unfortunately, they won't submit any statements and when I log in to my online, there is nothing to tell me how much I have paid each month or what the interest rate is? 

Basically, I am just sitting here at the mercy of the bank with no information. Other than an auto deduction that they auto deduct from my checking to go to the line of credit, I see nothing else. 

Is this kind of hidden in the dark billing service from a top 10 bank legal under Finra and FDIC rules?
Product: Credit reporting or other personal consumer reports

I have submitted several complaints to this company over the last few weeks through the CFPB. Since then I have not been able to access my credit to keep track of what is being reported. I have contacted them in regards to this but they are refusing to assist me. They are telling me that they cant find any of the documents that I uploaded to them through there online portal as well as the documents that I sent through the CFPB. I just uploaded the proper documentation on XX/XX/year> for a dispute which they still have in investigation. This company continues to violate my rights over and over
Product: Credit reporting or other personal consumer reports

Simple timing issue. I sold my house and the payoff amount was held up because a check was sent to the bank instead of a wire. Ok, no problem, but then the SPS never informed me that a check wasn't acceptable and instead of letting me know so I can have the new buyer send the wire, they never informed me and just hit my credit with 30 days late. That's insane especially since they DID receive payment on time and NEVER to date let me know. If I didn't monitor my credit I still would have no knowledge of my account being late. 

As of now the account is paid off and I just want the 30 days late removed from my credit
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was scammed for XXXX dollars on XXXX I told the company they told me they couldnt do anything about it because it went through
Product: Credit reporting

A satisfied judgment was filed XXXX and placed on my credit report. I would like this item removed from my credit report as the 7 year waiting period has expired. XXXX have dropped the item from my report. I would like Transunion to do the same.