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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and allowed it to fall into the hands of hackers due to negligence. They have told me that my credit and identity ( and millions of others ) are at risk now. A resolution, and accountability for those at fault, is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am  XXXX . I suffer from   XXXX   XXXX  . I was working while attending the school that I obtained a loan for. At a certain point my   XXXX   had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my Mothers credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is social security  (  each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my Mother. I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft through 2 collection accounts that I have never used. I tried resolving through the companies directly to no avail.
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 168XXXX. 
Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : syncb/amazon # XXXX Account name : XXXX XXXXXXXX # XXXX has violated my rights. 
I looked at Trans union credit report on XXXX XXXX and noticed somethings 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 according to 15 USC 1681 ( e ) ( b ). 
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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Prepaid card

I received a prepaid Gift Card as a gift a little while ago and went to active and use it. 

The online activation system did not recognize my card and kept saying try again. I verified the card number and details to be correct during the many times I tried I clicked the need help link and filled out the form only to receive the message telling me to call the number on the card I called and entered the 16 digit card number as asked but when it prompted me to enter the 3 digit cvv code, it said I was having trouble entering the number and to try again which I did several times I finally dialed XXXX XXXX and reached a live representative She told me to go online and try which I explained to her that I did and it told me to call the number on the card She said sorry you need to fax your ssn ( why idk she couldnt explain ) my id and photos of the prepaid card She gave me a fax number and said wait 10 days and I might hear back So sketch! What a scam!
Product: Debt collection

called regarding the collection of a debt. however, I do n't owe on anything except a credit card ( paid in full every month ) and my mortgage ( paid every month automatically ).
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit employer. Capital One has cited technical issues, which may violate the Electric Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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  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
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX account XXXX XXXXXXXX opened XXXX according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute to Experian about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/XXXX and noticed a lot of errors, inconsistent, and incorrect information. Sent a letter to Equifax on XX/XX/XXXX via mail asking them for an investigation and to verify all the dates and amounts were correct and fix the incorrect reporting on my credit. They did not respond at all so I sent another letter on XX/XX/XXXX via mail, again asking for an investigation and proof. They still didnt respond to that letter so I sent a third letter on XX/XX/XXXX certified mail so I have proof that they signed for my letter.

Last week I received two letters from Equifax dated XX/XX/XXXX on the same day. The said that they could not locate my credit file and needed me to send proof of identification and address. With all three letters I sent a copy of my Arizona drivers license and my XXXX direct deposit sub as my proof of address. The second letter said that they received my request to be removed from the promotions list and that it was added to my credit file. How did they find my file to add the restriction if they couldnt find my credit file in regards to investigation purposes?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to the CFPB in as many months. I am a victim of Identity theft and there has is negative information documented erroneously in the file Experian maintains under my Social Security number. Upon reviewing an updated copy of my credit report, I see the aforementioned accounts which were not authorized by me either was I a beneficiary of any usage or services from the lenders listed. I challenge the accuracy, compliance and reportability of these listings. Please delete these accounts as fraudulent, unauthorized and are not bearing my original signature. I formally dispute and request that this information be immediately deleted from the credit file Experian maintains under my Social Security number. Please note that I have the right to dispute and request this deletion of the identified accounts per FCRA sub section 605b and I requested full proof in the aforementioned structure, as per the FCRA Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of Experian 's actions, including thereMethod of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 4 business days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Endorsement 3. ) Identity Fraud 4. ) Violations of the Fair Credit Reporting Act Section 605b, Section 609, Section 611
Product: Credit card or prepaid card

On XX/XX/19 I went into my online banking system to pay my Barclay 's credit card bill. My card ends in XXXX. I inadvertently picked my husband 's credit card number in the bill pay system. He also had a Barclay 's credit card ending in XXXX, but defaulted on it and the debt was sold to another company. When I realized in XXXX what had happened, I called Barclay 's customer service number. They told me that they did not receive the payment and that I would have to talk to the new company that took my husband 's credit card debt, but that the payment must have been made to them. I have called the new company, XXXX XXXX, and they have no payments to his account. I have called XXXX XXXX multiple times and while they will not provide me with the information, they have told me that the payment was cashed by Barclay 's and not anyone else. They have told me that they can fax the proof of payment to Barclays. However, every time I call the customer service line, they insist they have no payment from me. If I ask for a supervisor, they transfer me to XXXX XXXX. At one point I had a representative who opened a case for me - XXXX - but then I got a letter saying they could not complete my request. I have called multiple times to try to get this resolved, but no one will help me. They just deny they received the payment, however a payment for the amount of {$XXXX} was sent from my XXXX XXXX  on-line pay system to Barclay 's on XX/XX/19 and it was cashed by Barclay 's. That is a lot of money for me to just be out. I understand that I made a mistake and picked the wrong account number, but the Barclay 's has the money in their possession and is should be credited to me.
Product: Credit reporting or other personal consumer reports

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

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

I initiated a dispute with Capital One within the terms of agreement. It was for an XX/XX/2019 purchase which posted on XX/XX/2019 for {$97.00}. The merchant was XXXX. XXXX is a reseller of gift cards. 

XXXX XXXX XXXX ... XXXX {$97.00} XXXX, TX XXXX Purchased : Mon, XX/XX/2019 Posted : Tue, XX/XX/2019 Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXX TX XXXX Case Number XXXX I enclosed to Capital One multiple emails sent to the merchant requesting assistance, first because of a bad link to the gift card and second because the gift card code was an invalid, fake code. 

The company failed to respond to the emails. 

I also sent the actual ( fake ) gift card code that was provided to me. Capital One has the purchased product in their profession. 

A simple check with the retailer ( Kohls ) website or gift card department phone number would reveal that the gift card code was invalid. 

However Capital One never investigated this. 

The merchant provided an unsigned statement saying there was documentation that I used the gift card however failed to provide that supposed documentation. Furthermore the statement was unsigned and not attributed to any name or any title. 

Yet Capital One closed the case without any investigation and despite the overwhelming evidence I provided that proves the gift card was fake. 

This is one of several times Capital One has failed to properly investigate a dispute and instead just pushes papers which violates their own terms. 

Inclusively Capital One was provided with documentation that XXXX  has an F rating with the XXXX and has multiple complaints about it defrauding customers.
Product: Debt collection

I received a call from a debt collector with Hunter Warfield in an attempt to collect a debt. I informed the collector that the debt did not belong to me, and I inquired about the social security number associated with the account because I have a fraud alert on my credit reports. The collector provided the last 4 digits of the social security number by phone, and it was not mine. I again, informed the collector that the debt did not belong to me. ( 1ST CORRESPONDENCE ) I received a bill by mail from Hunter Warfield attempting to collect the debt. ( 2ND CORRESPONDENCE ) The letter was addressed to " XXXX XXXX XXXX this is not my legal name and I do not have an alias. I sent them a letter requesting verification of the debt. I specifically requested a contract with my signature and the last 4 digits of the social security number connected to the account. Hunter Warfield sent me a contract between " XXXX XXXX XXXX and a creditor, there was a signature on the contract that did not belong to me, and they would not re-confirm the last 4 digits of the social security number which they provided in an earlier communication by phone. ( 3RD CORRESPONDENCE ) I sent another letter informing them that they are contacting the wrong person and I provided the evidence described above. Hunter Warfield resent the same bill, with the same contract, and is still demanding I pay them. ( 4TH CORRESPONDENCE ) At this point, they are harassing me ; the agreement that they continue to send is not between myself and the creditor, I have never lived at the address listed in the agreement, and the social security number attached to the account does not belong to me. So, why is this collection agency harassing me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer XXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by how my complaints have turned out - not only was my request of having these accounts removed was ignored, but also because I fear that nothing is being done or being investigated. I need you to understand that my credit score is my lifeline and it is so important to me that accurate information are reporting on my credit for me to be able to afford financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX BANK XXXX XXXX XXXX they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a customer of Bank of America over 6 years and I had a credit card with them with card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went in sever XXXX state and was hospitalized till XX/XX/XXXX. 
When I got back I saw my two credit card were maxed out and two other were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money.
Product: Debt collection

I sent a verification for debt on XX/XX/23 I spoke ( via phone ) with service finance company and requested they only contact me thru mail system. On XX/XX/23, after several calls a week, I emailed them not to contact me via phone ; only in writing. they continued to call. On XX/XX/23 they received a certified letter validating debt. they haven't responded to letter and continue to call me. On XX/XX/23 service finance continues to call me and email me to collect on debt. This is a violation of 15 usc 166B, 15 usc 1681IA 2 ( A ) ( I ), FCRA 15 USC 16811 N - willful noncompliance. This debt doesnt match my name or my signature on promissory note to pay. I have attached proof the have been sent a debt verification notice as of XX/XX/23