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

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting Pursuant to Federal and FLORIDA FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am reaching out to address a serious breach concerning the unauthorized inclusion of information on my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside FLORIDA identity theft fraud laws, specifically ( insert relevant FLORIDA statutes ). 
It has come to my attention that CAPITAL ONE has engaged in the unauthorized reporting of data to my credit profile without securing my explicit consent. The FCRA unequivocally mandates that consumer consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In alignment with federal law, FLORIDA state statutes, particularly ( insert relevant FLORIDA statutes ), underscore the significance of obtaining consumer consent for credit reporting. Additionally, FLORIDA identity theft fraud laws highlight the gravity of unauthorized access and misuse of personal data. 
I assert unequivocally that I have not provided consent for CAPITAL ONE to report any information to my credit file. This absence of explicit permission constitutes a direct violation of my rights, potentially leading to harm to my creditworthiness and a clear disregard for federal and state regulations. 
I demand, with full conviction, that CAPITAL ONE immediately halt any further reporting of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant FLORIDA statutes. Failure to adhere within the allotted 30-day period will be construed as deliberate noncompliance, subject to penalties under applicable laws, including FLORIDA identity theft fraud statutes. 
I emphasize that obtaining consent is not discretionary but a legal imperative under these specific provisions of the FCRA, FLORIDA state law, and identity theft fraud statutes. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unwarranted and detrimental credit reporting practices. 
I anticipate your immediate attention to this issue and expect CAPITAL ONE to expeditiously rectify these egregious violations, respecting my rights under federal and FLORIDA laws.
Product: Checking or savings account

I have recently started a new business that requires complete confidentiality. I have made several purchases that my bank not only bounced but stole the monies that were in the account. 
Chase Bank XXXX XXXX XXXXXXXX These payments were made through a company called XXXX. 
XXXX is selling my private portfolio information and causing my account to overdraft. I thought that it was the first bank, but then when I made purchases for the business this week through another bank the behavior continued. I'm tired, have tried to resolve the conflict to no avail.
Product: Debt collection

I was treated at XXXX XXXX XXXX - XXXX, TN ; in the Emergency Room XX/XX/2020. Veteran Affairs XXXX XXXX paid the XXXX XXXX that I have uploaded with this complaint. A third party through XXXX XXXX XXXX XXXX XXXX Account Number XXXX, has reported this to all 3 Credit Bureaus that has affected my Credit Rating and Score and has harassed me with phone calls and bills. I'm reporting Care Payment to CFPB and requesting that the derogatory negative information be removed from all XXXX Credit Bureaus and that Care Payment stop billing.
Product: Checking or savings account

Bank Account has ben frozen over XXXX  years with no resolution they are just holding my funds and not telling me why no sending out letters that they say will give me info as to why my account is frozen have spoken to branch manager customer service with no resolution
Product: Debt collection

Midland Credit Management DOES NOT have first-hand knowledge of the account and failed to furnish the original wet ink signature of the assumed debt. 

Midland Credit Management is NOT in compliance with the Fair Debt and Collection Act. 

Midland Credit Management violates Federal 15 USC 1681-B. They DO NOT have permission to access my personal information such as my social security number. 

Midland Credit Management Inc. violates Federal Law according to 15 USC 6802 which states that a financial institution may NOT sell any personal information to a third party or affiliate. Midland Credit Management is reporting illegal activity when reporting my personal information. 

Midland Credit Management provided insufficient information ( per my request ) prior to the last hearing and was unfairly given another opportunity by the Judge to provide said information again which they failed to do.
Product: Mortgage

Mon, XX/XX/XXXX at XXXX PM SELECT PORTFOLIO SERVICING, INC. SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX : CFPB, OCC, FHFA RE : YOUR LETTERS AND ALLEGED ACCOUNT NUMBER : XXXX Dear Sirs : My wife and I and XXXX XXXX XXXX parents thank you for your letter dated XX/XX/XXXX. XXXX sent by SPS. 

Also thank you for your letter dated XX/XX/XXXX from some unknown company called XXXX XXXX XXXX ( XXXX ). The letter has a strange telephone number of : XXXX ( XXXX ) XXXX. It has no return address, nor name nor signature of any person responsible. This is obviously a fraudulent letter in violation of the FCA and FDCPA. The letter states that they are postponing an alleged Trustee Sale, which is causing my parents great XXXX and stress. 

Your accounting and loan documentation is apparently fraudulent as well for the following reasons : The most recent assignment we have a copy of was to XXXX XXXX dated XX/XX/XXXX. There is no explanation about this nor how these alleged documents got to your company? 

Also, this letter you sent us included a fourth ( 4th ) version of an alleged promissory note. 1. ) One stamped. 2. ) Another unstamped. 3. ) One with punch holes. 4. ) Another without punch holes. They are obviously bad and fraudulent copies. 

Also, your accounting is all wrong. Your alleged debt is shows a balance of {$310000.00} on XX/XX/XXXX, and a balance of {$260000.00} on XX/XX/XXXX. XXXX. We believe that to be the last payment made to the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ) on their account number : XXXX, the real party in interest and owners of the and holders of the alleged deed and note. 

In fact, the Office of the Inspector General of the Federal Housing Finance Agency ( FHFA ) has just opened an investigation into this matter on XX/XX/XXXX. Also, there is presently an Appeal pending in the Ninth Circuit Court of Appeals regarding this matter, and we have requested you stay everything while the case is heard. 

We await your clarification of all of the above. 

XXXX & XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent sent a letter to XXXX challenging the validity of the alleged bankruptcy they have listed on my report. 
I recently Challenged this same account with TransUnion credit bureau and they came back stating that they have verified this account with XXXX XXXX XXXX. I have went to the courthouse, and they have also stated they did NOT verify this information. I asked XXXX to send me whatever documents of information they have personally used to verify this alleged bankruptcy, immediately. They sent information but the address dont match my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .XXXX XXXX EQUIFAX XXXX XXXX XXXX I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX  to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.
Product: Debt or credit management

Dear Experian, I am writing to formally dispute an error on my credit report. After reviewing my report, I noticed inaccurate information that I believe needs to be corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

It is multiple incorrect. Credit reports past seven years.
Product: Debt collection

I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have both had our credit report frozen with all 3 credit bureaus since 2010. Equifax updated their system and for some reason, it unfroze both of our accounts. 

Unfortunately, they are unable to re-freeze our credit. We have tried logging into their system using the website, and attempting to re-freeze our credit gives us an error that says they are unable to freeze our credit. We called into their automated phone system and received the same error when we tried to freeze. 

We called their customer support line and the agent was unable to freeze our credit. We waited on hold for over 30 minutes to talk to a supervisor, but he was unable to freeze our credit. When we asked him how Equifax was going to fix the problem, he said there is nothing he can do, we should just try again later. We told him we've been trying for 2 months already, obviously there is a problem with your system. He said someone will be calling us. Unfortunately, nobody has followed up with us and when we call customer support, it just starts the whole process again. 

Equifax will not freeze our credit even though we have repeatedly asked them to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses do not belong to me and may be negatively effecting my credit report.
Product: Credit card or prepaid card

On XX/XX/2020 I accidently ordered a smartphone from XXXX on my Citi Costco visa credit card and immediately sent an email to XXXX customer support to cancel my shipment. XXXX replied back stating that the order was in process hence it could not be cancelled and requested that I refuse acceptance from XXXX  and have XXXX  return the shipment back to XXXX and they will then promptly refund full amount of {$420.00} to my Citi visa credit card. 

I got confirmation from XXXX that XXXX was returning the shipment of the smartphone back to them. 

I opened a dispute with Citi immediately for the {$420.00} charge on XX/XX/2020 since a charge from XXXX appeared on my account on that day. Citi visa issued me a conditional credit for {$420.00} and reversed it shortly after stating that vendor had indicated that this was not a refundable product. 

I contacted XXXX  that I was not issued a refund despite the fact that I had cancelled the order prior to shipment and followed their directions and their promise to refund the full amount. They sent me a email on XX/XX/2020 that they had refunded my full amount to Citi visa credit card with XXXX  reference number for the refund. 

I forwarded this information to Citi but Citi claims that they have not yet received the refund! 

I need help from you since I was charged for an item that I never received and that was cancelled prior to shipment by me. XXXX  claims they have issued a full refund of {$420.00} via XXXX  with a reference number provided to me but Citi Visa claims they did not receive the refund and charge of {$420.00} remains on my Citi Costco Visa Credit card.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have tried several times to get an accountXXXX XXXX XXXX XXXX and XXXX XXXX removed from my credit report. I am not the owner of this account and have sent letters several times disputing this inaccurate information. The reporting company just keep sending a statement back saying the information has been " verified and updated ''. I have requested the description of the procedure used to determine accuracy to no avail. I have been battling this problem for 90 days now. I need any help that can be provided. 

Kindly, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with grave concern over a derogatory rating that has appeared on my credit report. This inaccurate negative mark is already causing me significant financial hardship and emotional stress. Due to this erroneous rating, I have been denied a recent loan application and seen interest rate hikes on my existing credit accounts. I can not overstate the detrimental impact this is having on my finances and wellbeing. 

I am formally requesting that you take immediate action to remove and block the improperly reported derogatory information from my credit files at all three major consumer reporting agencies, as mandated by law. I expect you to promptly delete these inaccurate negative entries within the legal timeframe requirements.
Product: Debt collection

XXXX XXXX XXXX, successor to XXXX XXXX XXXX, Raush, Sturm, Israel, Enerson & Hornik , LLC, their attorney in Texas, XXXX XXXX XXXX, appointed receiver, XXXX XXXX XXXX, XXXX, and XXXX XXXX -- - My XXXX XXXX account was frozen by appointed receiver XXXX XXXX, and my entire funds of {$1500.00} liquidated with no prior notice given. Supposedly I was served on XX/XX/2011 ( 5 1/2 yrs ago ) @ XXXX XXXX XXXX XXXX , XXXX , Tx - address of XXXX, a grocery store where I have never worked. I was not served nor contacted prior to this action. 

The frozen money is the only money I have to pay mortgage, utilities, gas, and food. This past summer, XXXX. I was XXXX for 2 months. I have a XXXX and will need additional XXXX. I am unable to work, my wife is my caretaker and I have other medical issues that affect my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by me.
Product: Debt collection

XXXX and Equifax continue to report a child support account. XXXX has already deleted it. This account is inaccurate and incomplete. This account is in violation of XXXX ( 4 ) consumer rights to privacy for child support to be on my profile.
Product: Credit reporting or other personal consumer reports

See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : XXXX XXXX claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, XXXX XXXX XXXXXXXX XXXX XXXX provided false information to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theirs a fraud alert placed on my credit profile and its hindering me from me trying to get my dream home for my kids. I mailed, and called experian to get my fraud alert removed from my credit report & no change. I mailed my request on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was made aware by my bank that all my information has been listed on the dark web. i have noticed some items on my report that I do not recognize. I have had a credit freeze on my account due to identify theft in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( 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 XXXX  unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies have turned into advertising agencies and are listening the retailers they serve and not the consumers. They have far to much power and abuse it. It is time our Congress reigned them in. 
Stupid me bought a XXXX thru a contractor at XXXX and realized when I arrived home and read the email it was not what was represented to me. I immediately called and cancelled all concerned. All set right? NO! Months later found my very good credit score took a 110 point dive in all three credit reporting companies. Found they did no investigation. I then called and asked it to be investigated. They chose to believe the the retailer and denied any correction. 

COMPANIES INVOLVED All three credit reporting companies and original Retailer called XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I entered into an agreement with Synchrony Bank to Settle Account with 2 exact payments, as follows : {$700.00} to be paid XX/XX/XXXX and {$700.00} to be paid XX/XX/XXXX. 
On XX/XX/XXXX, and after payment 1, I called this number XXXX and XXXX confirmed settlement was in progress, and final payment of {$700.00} was finalizing. 

Both payments were executed successfully and paid ( proof attached ). 

Synchrony did not update my account correctly. They show the XX/XX/XXXX payment ( final payment needed ) of {$700.00}, but FAILED to update my account to show {$0.00} and settled. 

Need immediate update to credit report to show this is a {$0.00} balance account now. 

I fulfilled my obligation per the XX/XX/XXXX agreement.
Product: Debt collection

I am writing to address a matter of utmost urgency regarding my credit report. Upon reviewing my credit history, I was shocked to discover the presence of a fraudulent account that does not belong to me. This unauthorized account has tarnished my creditworthiness and poses a significant threat to my financial well-being. XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX... Chase please send me my credit card agreement associated with this account. Please note that I would like view and request the arbitration process associated with this account. Please note that Chase does not have the right to sue me as per my card member agreement this agreement has a arbitration clause.. which indicates "if either your or we choose to arbitration, neither party shall have the right to litigate such claim in court or to have a jury trial". No court has legal jurisdiction over this card agreement. Please move forward with giving me more information. Once the process has been requested I will then give you my attorney's information
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I took a look at my credit report and noticed an unauthorized collection reporting on my report. 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 who the report relates. 

please investigate and remove the following fraudulent collection account XXXX XXXX XXXX XXXX XXXX XXXX I have knowledge of this account nor have I ever had relationship with the orginal creditor.