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

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15  USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Product: Credit card or prepaid card

Chase issued me two credit cards one in the name of United Airlines Mileage card and other Marriott XXXX  point Rewards cards. They actually lured me into signing these cards for me by spending thousands of dollars in XXXX months in return gave me bonus miles and reward point. I made initially big purchases with these cards and have been paying off regularly once monthly statement generated. I never delayed my monthly payments. Now suddenly ON XXXX they canceled both my credit with total credit line of {$29000.00}. Myself being senior citizen worked hard all my life and now I also have to refinance my reverse mortgage where I could get big credit line like $ XXXX but unfortunately because of their sudden closure for none of my fault I can not refinance because my credit score will drop down as well I am unable use these credit cards to earn more miles and bonus points.To me it looks they have no business ethics and have been very harsh to me. The only reason they told me that many years back I have stopped their credit cards like British Airways, Amazon and Marriott cards but if that was their concern why did not they stop when luring to these XXXX cards. 
Thanks and best regards. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me. 

account name- date opened- amount XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit card

Re : Wells Fargo XXXX XXXX XXXX is points card operated by Wells Fargo XXXX It is marketed to renters, who can earn reward points by charging their rent to the card, and then using the card 7 times during the billing cycle in order to earn the points that month. 

I signed up for notifications for when payment is due. They recently failed to send the notification and I had to complain in order to have the late fee and finance charge reversed I had missed the payment. 

I received the notification this month, and it encouraged me pay the minimum due ( {$25.00} ) with my BILT card. Their interest rate is about 28 % and I feel that this a trap for renters to fall into. I object to this type of marketing tactic that takes advantage of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to our attention that U.S. BANK Consumer Loan Servicing-FCPT has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Product: Credit reporting or other personal consumer reports

This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

One of my checks was stolen from the post office. The check was altered and fraudulently cashed at a Capital One Bank in XXXX XXXX ( Check amount was {$8900.00} ) My checking is with XXXX but the altered check was cashed at Capital One. 
I have copy of the altered check along with all the account # s. 
I spoke to the Secret service who gave me a contact name of XXXX XXXX at Capital one fraud dept. She informed me that the funds were frozen in an account and not dispersed. I have been trying to get my money back for 2 weeks. 
I have the case # from XXXX if needed.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX CAPITAL ONEXXXX, you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Credit reporting or other personal consumer reports

Hello CFPB, Thank you for your assistance with this matter. On XX/XX/year> I brought to your attention a violation of the FCRA and to date it has still not been resolved by the referenced credit bureau. 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 and 1682 : XXXX XXXX XXXX  XXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. XXXX XXXX  Account # ending in XXXX and account # XXXX has violated my Rights. XXXX XXXX XXXX  XXXX Account # ending in XXXX and account # XXXX has violated my Rights. XXXX Account # ending in XXXX and Account # XXXX has violated my Rights. XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 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. 15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported. Thankyou for your attention to this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate account 's on my XXXX, XXXX, Experian credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thank you for any help that you may be able to provide. I have called in to XXXX and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to XXXX, experian and XXXX and my reports have not been updated. I called into XXXX and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report. <P/><P/>Please help, I am not getting anywhere. <P/>The inquiries are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following Case # Case Number : XXXX Consumer Financial Protection Bureau Vs. Experian Information Solutions , Inc. , Experians actions violated and continue to violate the FCRA, 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), ( 2 ). I also have submitted disputes to EXPERIAN via CFPB reports XXXX ; XXXX requesting validation of XXXX XXXXL which is a Collection company I have 0 knowledge of appearing on my credit report in XXXX  I was never served or notified by the collection company of any charge off account being SOLD to them without my consent. Without EXPERIAN properly verifying the accuracy of the said account, Pg XXXX COUNT VI 130. states The FCRA requires a CRA to delete any information found to be inaccurate, incomplete, or unverified after a reinvestigation. 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) When I submitted the dispute via CFPB 2 HARD inquires both from XXXX XXXX appeared on my Experian report. Experian only investigated hard inquiry disputes in limited circumstances, such as when the consumer alleges that the inquiry was a by product of fraud or identify theft. Since I the consumer DID NOT dispute the accuracy of the hard inquiry without such allegations, however, Experian does not reinvestigate the dispute. Per paragraph 117, Experian violated and continues to violate the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Pg 30 COUNT VI 130. The FCRA requires a CRA to delete any information found to be inaccurate, incomplete, or unverified after a reinvestigation. 15 U.S.C.

1681i ( a ) ( 5 ) ( A ). Experian has refused to provide me any evidence of reinvestigation on this account. 

XXXX & XXXX HAS NOT FURNISHED THIS ACCOUNT!
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased ( 2 ) tickets from XXXX to XXXX XXXX for {$330.00} at XXXX XXXX XXXX on XX/XX/XXXX. I thought the price was high since when I printed the tickets the " Full Price '' was {$78.00} each. 
At the concert we did not have seats! The General Manager told us had purchased " Scalped : tickets and she could have us escorted from the concert. But she got us folding chairs and we stayed. The GM pointed out that reselling these ticket is in violation of FL Statute 817.36 and tickets my not be resold for more than {$1.00} more over face value. Contact VISA and ask for a refund. The name on the tickets is " XXXX '', not XXXX. 
I contact Bank of America VISA and onXX/XX/XXXX I was refunded {$150.00}. I thought the case was closed until XXXX charged me {$150.00} on XX/XX/XXXX saying " you paid for the tickets, too bad for you ( XXXX ). 
XXXX  knows that XXXX violated the law ( FL 817.36 ) and is not protecting me from scalpers, etc. 
I filed a complaint with the Attornet General of FL XXXX XXXX, and she directed me to your site to file a complaint.
Product: Credit card or prepaid card

Capital One has erroneously stated that they has detected " fraud use '' on my credit card. I have verified that there is no fraudulent use. I was traveling in XXXX and ordered an XXXX using my XXXX app. I received a text from Capital One that they suspected fraud. I replied by text that the charge was legitimate. I received an email in which I replied that the charge was not fraud. My card became blocked while out of the country. I had reservations and other charges not no through. I called Capital One at least 10 times to rectify this situation. 

My complaint to investigate Capital One in their egregious procedures. They requested that I send proof of my idetify in which I had to upload my 2018 W2 forms, my XXXX XXXX XXXX  XXXX XXXX and XXXX statement and my CA driver 's license. They stated that I failed to send in the back side of my driver 's license. I proceeded to send in the back side of my driver 's license. A week later they stated I needed to upload my social security card. I uploaded a legible copy of my social security card and US passport. 

Ultimately Capital One has declined my request to unblock my card. They claim that my legitimate social security card was illegible. 

Capital One 's tactics are invasive, discriminatory and flagrantly in violation if my card member 's rights. I would like the CFPB to investigate all activities and actions by Capital One in their erroneous claim that my card was fraudulently used after my repeated attempts to clearly state by phone and uploads that NO fraud had occurred. S card holder must be able to challenge a computer modeled fraud alert and claim that no fraud has occurred. Capital One has denied me and others the rights to challenge their false beliefs that fraud has occurred.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited my stimulus check at the teller and was told my funds will be available the following day. XXXX  days later my funds where never released and my account is frozen until they can verify funds from the treasury. Every week that they are supposed to release funds another hold is placed. Its very frustrating and saddening because I was depending on the money to get caught up on some bills. Please help me
Product: Credit reporting or other personal consumer reports

Payment was made via the phone service in XXXX. Payment was not processed by company. Payment was made for both XXXX and XXXX when company did NOT process payment made. A complimentary removal of the delinquent payment was not granted and the company ( Service Finance ) found themselves not responsible. I have email correspondence that was never responded to and a manager named XXXX who said they refuse to email back and that all credit matters need to be dealt with through a bureau. I have several requests into the bureaus that were responded to by service financial, they stated their information was still correct. And made little effort to help with this issue as a customer of service finance. They refused to grant a courtesy removal of the delinquent payment which should have never been late anyway as they failed to process the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Notice of Intent to File a Lawsuit Dear Experian, This letter serves as notice of my intent to file a lawsuit against you if I do not receive payment of {$10000.00} within 14 days to the above address for the multiple violations of my consumer rights and the immediately removal of the identity theft, inaccuracies, and fraudulent information your are reporting on my consumer report. 

Here is a statement of my case that I intend to submit to the court : The Defendant has violated my consumer rights of 15 U.S. Code 1681c2 by steady reporting fraudulent information on my consumer report after being supplied with my FTC report almost two years ago. They are also violating 15 U.S. Code 1681 by reporting inaccurate information on my consumer report when I have stressed to them multiple times to remove the inaccuracies or to show proof that this information was verified, and to show proof that they have my written permission to report this information on my consumer report. This situation has been going on since XX/XX/XXXX. The Defendant has reported on my consumer report that I am also known as : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These are not my names and are not tied to me, they have been supplied with my social security card and also my ID stating my legal name of XXXX XXXX. The Defendant has also illegally reported address that is not linked to me one being a business located in XXXX, IN, that address is XXXX XXXX XXXX XXXX XXXX, IN XXXX, the other address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX There is a Bankruptcy that has been reported when I have proof that the US Bankruptcy court do not report to the Defendant and the Defendant was also asked to verify how this information was verified on my consumer report and to also provide proof that they had my written permission to report this on my consumer report. The Defendant failed to provide such information. Not to mention I have multiple inquiries listed on my consumer report that was never authorized by me. Those inquiries are listed as : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX NA listed on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX listed XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX listed XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX listed on XX/XX/XXXX. Accounts that have not been authorized and legally verified are XXXX XXXX XXXX XXXX with an account number of XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX  account number XXXX why this is listed twice is disturbing and unauthorized, XXXX XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX XXXXXXXX account number XXXX. These are all considered identity theft and fraudulently reporting according to the law and need to be removed immediately. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

i've been paying off a credit card slowly because that product they provided broke and ripped and i told them and they provided me no credit so i still have to pay off this card. i'm getting angry, so i refused to pay, and they will not stop calling me today it's sunday by the way. they called me at XXXX - XXXX and XXXX already and it's XXXX XXXX  XXXX on sunday XX/XX/XXXX. they did this every day two months ago 10 times a day for a month and i endured it but i've had ENOUGH. this is HARRASMENT, once a day is fine but 10 times for two months? 

for the love of XXXX there name is comenity bank, victoria 's secret. they are harassing me.
Product: Debt collection

Please see and read the attachments. These can also be seen in complaint number XXXX. 

I have highlighted the areas for you and Green Tree. 

At the bottom of page XXXX of the attachment to THIS complaint it CLEARLY states to cease ALL TELEPHONE COMMUNICATION ... ... 
Yet they choose to ignore the cease and desist statement. 

They have called on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. 

Also in complaint XXXX Green Tree replied to you as follows : '' Green Tree Servicing , LLC said : Explanation of closure Green Tree is unable to locate an account with the infomration provided. We ask that you provide our office with the following information so that we can respond to your concerns. 
XXXX ) Full Property AddressXXXX ) Full account number '' They received the exact same letter as you, the CFPB did, and yet the letter that came from Green Tree contains:XXXX ) Full Property AddressXXXX ) Full account numberCan they not read their own letter!