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

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

please can you delete this for my credit report please thi is noooooooooooooo my
Product: Credit card or prepaid card

Capital One 's continued predatory credit card solicitations. I have filed 3 previous CFPB complaints against Capital One for new credit card solicitations by mail and telephone ( CFPB Complaint ID XXXX, XXXX, and XXXX ). Those 3 Complaints were for harassing me personally - XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX PA XXXX in XXXX, XXXX, and XXXX. I personally have not received any solicitations since XXXX. Now, Capital One credit card solicitations are coming to my address ( XXXX XXXX XXXX, XXXX XXXX PA XXXX ) addressed to my sister XXXX XXXX XXXX - EVEN THOUGH SHE HAS BEEN DECEASED FOR OVER FIVE YEARS, AND HAS NEVER RESIDED AT XXXX XXXX XXXX, XXXX XXXX PA XXXX. Also, she was on XXXX for the last approximately 5 years of her life, and Capital One pre-approves her for " up to {$2500.00} credit limit- per attached document!!!. 

This on-going, over six-year cycle of harassment has caused me tremendous emotional distress and trauma.
Product: Credit reporting or other personal consumer reports

The following account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not reporting accurate information after several complaints and investigations, this account still reporting inaccurate information and its hurting my ability to obtain credit Email capture of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was trying to buy a house and notice there was multiple names on my credit report
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Checking or savings account

I r

equested a few weeks ago to close my checking account with Chase Bank, because the account has the wrong name on it, and they weren't satisfied with the documents I provided them to demonstrate my correct legal name. I requested at that time that they mail a check to my *legal* name as shown in the court order I provided, since I won't be able to deposit a check if it's not to my correct name. They put the account in pending status, and then told me that they couldn't mail a check to my legal name. At that point, I asked them to instead let me transfer the funds on my own to a linked bank account, since they weren't able to provide the check with the correct name on it, and I wouldn't be able to deposit a check with an incorrect name. They are now refusing to send a check in my legal name and
refusing to transfer the funds to my linked bank or let me transfer those funds, making it impossible for me to get my money out of the account.
Product: Vehicle loan or lease

Applied for an auto loan from the bank on XX/XX/year>, the loan was approved at an APR of XXXX %. The XXXX XXXX disclosure from the bank dated XX/XX/year> states an XXXX score of XXXX. The loan was not utilized and it expired. A subsequent application was submitted on XX/XX/year> and was approved at an APR of XXXX %. For both loan applications, the financing amount was the same and so was the term amount of 72 months. The XXXX XXXX disclosure notice from the bank dated XX/XX/year> states an XXXX score of XXXX. The supporting relevant documentation has been attached, you will see an XXXX difference of 2.9 %. 

There is no logical explanation as to why there is nearly a 3 % rate difference between the XXXX loan applications, the XXXX XXXX is virtually the same, the loan amount is the same, the term amount is the same.
Product: Debt collection

To : Consumer Financial Protection Bureau, AllianceOne Receivables Management , Inc. 

Dear CFPB Representative and AllianceOne Compliance Team, I am writing to continue my dispute to the response from AllianceOne Receivables Management , Inc. regarding the company response on XX/XX/year>. The documentation provided does not meet the legal standards for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) because AllianceOne has failed to provide sufficient proof that they have the legal authority to collect this debt. 

Deficiencies in Debt Validation : 1. No Proof of Authority to Collect While AllianceOne claims the debt was assigned to them by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they have not provided any legally binding documentation proving their right to collect on behalf of the XXXX XXXX. 

2. No Chain of Assignment The response does not include a complete and unbroken chain of assignment from the original creditor ( XXXX XXXX ) to AllianceOne. Without this, there is no proof that AllianceOne legally owns or has been assigned this debt. 

3. No Forward Flow Agreement or Purchase Agreement AllianceOne has not provided a Forward Flow Agreement or similar contractual document demonstrating their authority to collect this specific debt.

A Forward Flow Agreement is critical because it outlines the terms under which accounts are transferred from the original creditor to a third-party collector. Without this document, AllianceOne has not proven their legal standing to collect on this debt.

Requested Actions : I demand that AllianceOne provide the missing documentation, including : A signed Forward Flow Agreement proving their authority to collect. 

A complete Chain of Assignment showing an unbroken transfer of ownership from the XXXX XXXX to AllianceOne. 

Until proper validation is provided, I request that all collection efforts remain on hold, and that AllianceOne cease all further communication with me I request that the CFPB continue investigating this matter, as AllianceOnes failure to provide proper validation may constitute a violation of the FDCPA under 15 U.S.C. 1692g ( b ).

I also request that the CFPB determine whether AllianceOne is engaging in deceptive debt collection practices by attempting to collect a debt without proving legal ownership or assignment.

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

I am filing a formal complaint regarding an unauthorized account that XXXX XXXXXXXX XXXX has reported under my name. Despite multiple attempts to resolve this matter directly with the company, they have failed to respond or provide the requested information. Below are the details : Account Number : XXXX Type : Revolving Credit Credit Limit : {$300.00} Date Opened : XXXX XXXX XXXX I never opened this account. I reached out to XXXX XXXXXXXX XXXX  to determine how it was opened, but they refused to provide this information. Their lack of transparency and failure to investigate violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers to ensure accurate reporting. Additionally, their inaction breaches the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, prohibiting deceptive and unfair practices. 

I demand that this fraudulent account be immediately deleted from my credit report. XXXX XXXX XXXX failure to respond and refusal to verify the account leaves me no choice but to escalate this matter. If not resolved promptly, I will consider legal action for noncompliance with consumer protection laws. 

I request the CFPB to intervene and require XXXX XXXX XXXX to : Provide documentation proving I authorized this account. 
Remove this account from all credit bureaus. 
Confirm in writing that the account has been deleted. 
Within 3 days as this account has become a hindrance to me and defamation of my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been repeatedly disputing an item on my credit report. I have submitted the bank statements and other information supporting my claim, yet it keeps getting dismissed and am told to contact the company at such and such number. Both phone numbers listed to call are not in service. I asked the credit bureau how this is investigated and was told that they only ask the company that is reporting the information. That cant be correct, is it? In that case, speedy cash owes me a XXXX dollars. On XX/XX/2021 I took out a loan for {$500.00} I paid and have bank statements tha i paid : - {$78.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$65.00} on XX/XX/2021 - {$91.00} on XX/XX/2021 on XX/XX/2021 they put on my credit report that my account was not in good standing and that i was 30 days past due. this dropped my credit score XXXX points. they refuse to fix this mistake. i have recorded phone conversations with a speedy cash rep saying that i have not done anything wrong and my things are paid. I should state also that due to covid i lost my job and called them right away for this not to affect my credit. on XX/XX/2021 I entered a payment arrangement only for the reason of keeping this off my credit. On XX/XX/2021 the defaulted my loan. I have disputed it with the credit bureaus and no luck. I believe that Speedy cash is giving bad information and even the contact information they provide the credit bureau for me to contact is not right. Both phone numbers they provide no not work. Also, after all of those payment plus 2 more since, they still state i owe {$500.00}, my loan was only for {$500.00}. Not sure what math or interest rate they have but it doesnt add up to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.
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. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
CHAPTER XXXX  BANKRUPTCY Case Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY PBCAPIGRP Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting CBA MACON Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have inquiries 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions XXXX XXXX  Account # XXXX Open Date XX/XX/2021 Balance {$140000.00} ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Beginning with XXXX, I submitted a request for a free credit report and identified an account to which I have no knowledge or association to. This is identity theft/ fraud and I need help removing this from my credit report. Please help! Details are listed below. 

*I have called this company and it can not locate me using my social security number and I can not assist any further because I do not know of any account number except the last four digits listed on the XXXX Credit Report. 

This account has a balance of {$27000.00} as of XXXX XX/XX/XXXX. 

It was opened on XXXX XX/XX/XXXX. 

The last XXXX digits are XXXX. I don't have any other information about this account aside from what is being reported by XXXX. 

The contact information of the company is : JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX, FLOOR XXXX XXXX, DE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.
Product: Bank account or service

Prior to XX/XX/XXXX, I went inside a Region 's branch with my XXXX offer for opening a new account. The offer stated that I needed to make at least XXXX debit card transactions within 60 days of account opening and have e-statements to receive the promotional deposit. Since that time, I have sent and received dozens of messages through my online banking at Regions trying to confirm the promotion and that I have met the terms of the bonus. Multiple times I have been told by Regions that my account was registered for only a XXXX bonus that required direct deposit. I know this is not the case, and I have attached the pertinent account promotion page and opening document clearly showing my registered email address : XXXX as being signed up for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I opened a claim agains US Bank stating that the data and latd payments they are reporting to the bureaus should be removed. No by haste, but to prior notarized agreement between myself and their company. 

On XX/XX/2019 I wrote US Bank in attempts of getting late payments forgiven and removed from my account. US Bank agrees and has since failed to do so. Please see attached. 

US Bank submitted documentation that seemed to revert from my directives completely ignoring said agreement.
Product: Credit card

On and about XX/XX/XXXX, I notice 2 separate unauthorized charges on my USAA credit. I immediately contacted USAA to investigate the charges and cancel the credit card. USAA investigated the false charges and issued a new credit card. On XX/XX/XXXX, the fraudulent charge of {$4500.00} re-appeared on my new credit card account. I received a noticed from USAA stating that the fraudulent charge of {$3300.00} was removed from my credit account. However, the {$4500.00} was placed back on my account. 

Below is the information i forward to USAA credit card division and my defense of the fraudulent charges. 

Date : XX/XX/XXXX Subject : Chargeback of {$4500.00} To : USAA Fraudulent Dept To whom it may concern : I am writing to dispute the {$4500.00} which was charged back to my USAA account. The evidence that was presented under case # XXXX is totally fraudulent and documented to make it appear that I have done business with this business ( XXXX XXXX XXXX XXXX ). 
I contend that I have never done business with this organization ( XXXX XXXXXXXX XXXX XXXX ) and have never been associated with this company. And never been in the hair care, locs or hair entrepreneur. I have not received any products or rented any space or received mentorship from this organization. And is not and has never been a customer of XXXX XXXX XXXX. 
The receipt and evidence provided is totally fraudulent and has been doctored/manipulated to appeared be an invoice provided to me. 
What service was provided? What is an Establishments? 
The Order Detail sheet is totally made to look like a actual invoice, however, email listed is not an email that use or recognize and the XXXX XXXX  is surely not from my laptop or location from where I resign. 
The text document has manipulated and doctored as well. You can not determine from the document who is the originator of the text message, only showing my number listed. There is not a response from myself. 
The entire document is totally manipulated to appear to be a legitimate item. 
I first reported this fraudulent transaction back in XX/XX/XXXX and at that time I cancelled the original credit card and request new one. 
This is totally fraudulent document and I intend on fighting until it is resolved. 

Respectfully, XXXX XXXX