23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 at XXXX - XXXX XXXX XXXX from Gordon , Aylworth & Tami , P.C . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.
Product: Credit card

According to the FCRA account, CAPTIAL ONE BANK USA has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit card

I was alerted to potential fraud on my account from Capitol One. 
I called Capitol One to resolve the issue after logging into my account online and seeing two transactions made without my knowledge. I was also charged cash withdrawal fees without my knowledge, all of these transactions are fraud. 
I talked with a Capitol One representative and she helped me through the reported fraud process. She located a third potential fraud activity on my card that did not show up on my online statement : an attempted purchase of {$500.00} at XXXX. She did not tell me the location of the XXXX. 
She also informed me that someone had requested a new card via the Capitol One mobile app. I do not have the Capital One mobile app. 
Someone also withdrew money from XXXX XXXX XXXX using my credit card - I do not have a XXXX XXXX XXXX account so I do not know how that is possible. 
After discussing these issues she said that the fraud department would look into my claims. I asked if I would be responsible for the charges in the meantime, as I am set up with autopay. She put me on hold for a long period of time and never answered my question adequately. 
Now I receive a letter seven days after my fraud claim and a discussion with the representative that my claim- the claim that Capital One alerted me to and locked my card over - DENIED. They stated, " Information we discovered leads us to believe you or another account user benefitted from the transactions. '' No evidence was provided. 
There is not another account user on my card- this leads me to believe my card is STILL being used fraudulently and Captiol One is not helping my case. I have manually locked my card so stop any further misuse, no help from I will continue to dispute the case until it is honestly and truthfully resolved.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 


WELLS FARGO XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American expressed closed my account ( ending in XXXX ) without warning claiming they didnt have enough information even though I submitted when applying for the card, and I have 3 other accounts with them and had all of them, including the one that was closed for years. They gave no notice of needing the information, just closed it. Claim they sent an email, but I received none, only the one saying the card was closed. Now my credit is going to be screwed up for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

My earliest e-mail regarding this problem is dated XX/XX/2019 and the same problem has persisted until the present, unresolved. At that time I was being blocked out of XXXX service for an incorrect password, even though I had not changed my password ( seriously I did not change it, I stored it in a password manager and used it repeatedly before this date ). 
The same instructions were given to me on two separate weekends. They were modified to correct the login URL on the third weekend ( changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Regardless of the login URL, I was to use the password reset link after pressing the " forgot password '' button. I received these instructions via phone ( after HUGE holds ) or e-mail. The instructions were of to no avail because the password reset email was always sent to me AFTER the 15 minute deadline. Attempts to use it to log in to XXXX would result in a message about a URL token being invalid. I tried this yesterday ( XX/XX/2019 )  twice and received the password e-mail late, TWICE. 

I can not log in to XXXX and Experian will not help.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX {$260.00} that I paid
Product: Debt collection

This debt collector called and continues to call my place of employment where i am not allowed to have phone calls. I have told them this and they continue to call multiple times during my work day.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Request for Removal of Fraudulent Account Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Account opened : XX/XX/XXXX Dear, EQUIFAX I XXXX writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission XXXX XXXX XXXX XXXX the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Please remove immediately Thank you for your time and prompt attention to this matter. 

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

For the past 18 months I have been disputing with Experian, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX XXXX ) *XXXX XXXX XXXX was added before called XXXX XXXX XXXX XXXX XXXX XXXX I also told Experian to remove ALL inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below.

XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX/XXXX/ XX/XX/XXXX XXXX   XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX   XXXX/ XX/XX/XXXX XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX I also told Experian to remove the addresses not affiliated with me, those address is as followed : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX and add the correct address.

and remove XXXX XXXX XXXX off employment.

My last certified letter that I sent Experian was on XX/XX/XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
Product: Debt collection

On XX/XX/2023 I received notice via email from CKS prime investment regarding a debt that they were attempting to collect. On XX/XX/2023. I settled the debt in full. CKS prime investments. negligently, and callously reported this debt to all three credit bureaus on XX/XX/2023 after receiving payment. This shouldve never have happened. How could a paid debt be reported as a Collection after the fact, it was already resolved, This was very damaging to my credit score and negligent of CKS investment to report a paid as agreed debt after the fact. I feel CKS prime investments, and staff shouldve done a thorough check before reporting to all three credit bureaus that this debt had been resolved.
Product: Credit reporting or other personal consumer reports

The pictures/screenshots show that I was denied but I was never sent a valid/legal document showing my debt transfers from XXXX to XXXX XXXX XXXX. A proper investigation was not done. 


Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted Experian, XXXX, XXXX and the original creditor XXXX XXXX XXXX  and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Product: Credit reporting or other personal consumer reports

There was a hard and soft inquiry conducted on my, XXXX XXXX, credit report on XXXX XXXX XXXXXX/XX/year> from XXXX XXXX was not initiated by me. After speaking with a XXXX XXXX agent, they looked in their system using my social security number to see if I had any products or applications with them and they could not locate any products or applications made fraudulently or by me. They advised me to contact the credit bureaus as they are not sure why this shows up as a soft and hard inquiry on my credit report. I am in the process of mailing all three credit bureaus notification of this and will enclose my driver license and copy of social security card to prove my identity as advised by the XXXX XXXX agent. In my Transunion record, there is a phone number ( XXXX ) XXXX listed and this is not a phone number associated with me. I have disputed this phone number also, as it appears on my credit report. HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This can not be a repossession because XXXX XXXX XXXX XXXX has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. XXXX  Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 60 days late in XX/XX/XXXX when my Payment History shows I paid on time in XX/XX/XXXX. 
XXXX XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.

Please delete these items from my consumer report.
Product: Credit card or prepaid card

Capital one credit had fraudulently applied for a credit card without my consent application number XXXX. After The company required more information for validation, I was told I have a 90 day time limit from numerous representatives at their call center and supervisors. When I sent the final validation information into capital one and called them, they had stated they would be pulling another credit check, and I told them that is not what I've been told, that i was going to make a complaint to the FTC, and do not make another credit check, and I do not want the credit card. For the 2 months prior to the company refiling my application, I told many customer service reps and supervisors that i do not want a 2nd credit pull. Its in the companies call logs/ recordings, and in their notes within my account. Capital One had processed the application anyways without my consent, and my clear response of telling the company no. After repeated attempts to have them remove those credit pulls nothing has been done. Pennsylvania and Federal laws clearly show this company is in major violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

NOTE- '' What type of problem? or " What best describes your problem ''? do not contain the reason for my problem, which is related to my private and personal information. We suggest to include other choices such as " Private Information '' or " Other Problem ''. 


What Happened : On XX/XX/2019 ( Attachment 1 ), we wrote to MsXXXX XXXX XXXX, Citibank CEO-NA, requesting to delete from Citibank records all the information we provided with applications we submitted for a savings and checking accounts. We were never informed of the decision made about our applications and, therefore, had opened a savings account in another bank. 


As the reply from XXXX XXXX of XX/XX/2019 ( Attachment 2 ) did not address our request to delete all our information from Citibank records, and on XX/XX/2019 ( Attachment 3 ) we requested again the removal of our information from their records. On XX/XX/2019 ( Attachment 4 ) we received a reply stating that the information we provided Quote was supplied voluntarily by you to open Citibank Online Savings account and can not be removed. Unquote. We agree that we provided voluntarily the information required to complete the applications to get a savings account. However, the full property of this information is ours and, therefore, it is our prerogative to decide how to dispose of it in line with the legal provisions governing the ownership of personal and private information. 


In view of the above, we are herewith submitting a complaint against Citibank for refusing to comply with our request to delete from their records all our information we provided in applications for savings/checking accounts. In line with the provisions of the CFPB concerning Consumer Protection, which include the right and prerogative of the consumers to protect their information and dispose of it as they see fit, we expect that CFPB will compel Citibank to comply fully with our request. 

Contact in Citibank : XXXX ( CEO CitiBank N.A. )
Product: Credit reporting, credit repair services, or other personal consumer reports

False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX XXXX XXXX XXXX XXXX before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of US Constitution Article 1 Section 8 by regulation amounts of money by entities that are not Congress. Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of US Code 18 section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at NCGS 122C and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.