23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from XXXX XXXX today XX/XX/2022. I have notified XXXX XXXX XXXX, XXXX several times that the account they purchased from Capital One Bank ( USA ) N.A. is not my account. I have attached the letter that they sent me today along with the letter I received from Capital One Bank. The letter from Capital One Bank clearly states that " Capital One Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXX XXXX, XXXX IS BREAKING THE LAW!
Product: Credit reporting or other personal consumer reports

There are multiple charge offs reporting and that is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The documents I attached is a screenshot of the IRS indicating about cancelled debt and how its income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681. I never authorized the bureaus to report this and this is defamation. 
I can ligate the bureaus for defamation because they're reporting information that they are not supposed to which will damage me financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Hi, i applied online on the citi bank site for the citi double cashback card..but citi bank improperly used my credit score and pulled it two times one from CBNA and other citibank na.. i don't understand why two score pulls for just one simple application. ..and would like to dispute both the charges. 


Inquiry CBNA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CBNA XXXX XXXX XXXXXXXX XXXX XXXX, SD Bank - credit card Inquiry CITIBANK NA XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE CITIBANK NA XXXX XXXX XXXXXXXX XXXX XXXX, SD National Credit Card Cos.
Product: Other financial service

hired foreclosure defense group charged me a starting fee off XXXX plus monthly payments of XXXX for a loan modification and protect the house from going to foreclosure, house was sold and forclosed. no idea if we were approved or denied the modification no notice of redemption period withdrew money even when the house went to public sale, sheriffs sale and when house was sold. most communication was via email some phone messages but not many. was told to just keep sending the necessary documents as needed and we did. lead us to believe all was going fine. Only time we spoke with the attorney was when he told us that the house was sold and we would eventually be evicted. The people that we dealt with on a regular basis were only customer service representatives, not even parrallegals or lawyers. Now were fighting for our rights and our home. Trust is a very hard issue and we have never felt so taken advantage of. The law firm had plenty of time to file a TRO ( temp restraining order ) and an emergency chapter XXXX. What these people did was they were dual tracking of the loan with the mortgage company. So unjust and wrong. The completed contract should have the attorneys signature and it does n't, wondering if it was all real or fake. We have lost the most dearest memory of all our home.
Product: Checking or savings account

Well fargo bank XXXX XXXX XX/XX/1990 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX TD Auto Finance XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving an updated copy of my Credit Report ( CR ) on XX/XX/XXXX, i noticed a negative item Public Record being report by all 3 Credit Bureaus ( CBs ) including : ( XXXX, Experian and XXXX  ). I wrote the Courthouse about the item being reported on XX/XX/XXXX respectfully requesting their reporting procedures to the CBs pertaining to said item Public Record under my name and SSN. On XX/XX/XXXX i received a letter in response to my inquiry from the Courthouse stating how they do not ever report any such information directly to any of the CBs including : ( XXXX, Experian and XXXX ). XX/XX/XXXX i began the dispute process sending letters to all the CBs reporting this item Public Record on my CR under my name and SSN. I requested proper and accurate verification as to what they are reporting regarding this matter, and if no information was provided to be true within 30days or resolved properly I politely requested to have this item Public Record removed from my CR permanently also on this date XX/XX/XXXX i placed a security freeze on my personal consumer profile held by XXXX XXXX and XXXX. On XX/XX/XXXX I received a letter from XXXX  XXXX regarding the Public Record item and their investigation results and in response to my dispute DELETED item from my credit report held by XXXX  XXXX. Now XX/XX/XXXX Experian responded with a letter claiming to have just UPDATED the item Public Record no change to report filing, including no verification letter from any source proving item Public Record being reported as to its correctness and accuracy. Today being XX/XX/XXXX I have yet to hear from XXXX regarding my dispute, its been over the 30 day timetable and newest CR does not show item Public Record in dispute listed. I have proof of signature for original dispute letter sent XX/XX/XXXX through certified mail receipt. I am hoping your involvement will help resolve this matter finally. Not knowing about this negative information for over 1yr has caused a very severe effect on my credit standing and ability to secure & qualify for a VA home loan. Thank you for your time and attention to my situation, sincerely a very hopeful future home owner.
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX  of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Debt collection

DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer.

This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. 
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. 
XXXX XXXX
Product: Mortgage

On Saturday XXXX XXXX, XXXX, my wife called Wells Fargo, our mortgage lender to stop an automatic payment scheduled to process on XXXX XXXX, XXXX. The reason for our request was because my wife gave birth to our XXXX child in XX/XX/XXXX, and she 's had some difficulty with her XXXX disbursements. In order to ensure access to funds so that we could care for our XXXX children, my wife contacted Wells Fargo. The representative did not tell my wife there was a possibility the payment would process as initially scheduled, but instead confirmed the request was processed and told my wife to call back at a later date to schedule the XXXX XXXX payment. Therefore, we did not make any alternative arrangements. 
Unbeknownst to us, without our authorization, and contrary to Wells Fargo 's XXXX XXXX, XXXX, verbal confirmation, the payment posted on XXXX XXXX, XXXX, resulting in our overdrawn deposit account, with no access to funds until Wells Fargo 's reversal is applied to our account ( 2-3 business days ). In addition to the reversal, XXXX, a supervisor I spoke with on XXXX XXXX, XXXX, indicated they would reimburse any transaction fees assessed due to their failure to disclose that the payment could still process. I requested compensation for the inconvenience, and I later realized that I used the incorrect term, as I now contend that Wells Fargo processed an unauthorized transaction after my wife requested to stop the ACH scheduled to process on XXXX XXXX, XXXX. Wells Fargo did not request any documentation from us, and as stated above, did not inform us there was no guarantee the transaction would not process. 
One other concern I have regarding this matter is the actual date that Wells Fargo initiated the ACH. According to their explanation, electronic transfers and ACHs take between 2-3 business days to post. If the ACH was initiated on XXXX XXXX, XXXX, how did the payment clear on XXXX XXXX, XXXX? This leads me to believe that the ACH process began on Monday, XXXX XXXX rather than XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently checked my credit report and noticed an inaccurate account reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXV ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit card

A credit card was opened in my name, and was due to identity theft. I contacted all three credit bureaus to put a freeze alert on my credit. This card is still showing up on my credit report and is inaccurate. I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from Transunion that my credit score dropped. I immediately went to check my score. I saw a mark against me from XXXX  XXXX XXXX For {$61.00}, I was Immediately alarmed. I have never had a XXXX  XXXX XXXX account, checking or savings, let alone credit. I have never applied for a XXXX  XXXX XXXX credit card. I never had to I am an XXXX XXXX card member. I called XXXX  XXXX XXXX immediately and was told there was a credit card opened in XXXX of XXXX, and the annual fee was delinquent as of XX/XX/XXXX, I told the representative that I never opened this account, had no knowledge of it until I received Transunions email and am extremely alarmed. The rep immediately closed the account after asking me a series of questions and told me, the credit bureaus would have to contact them to confirm the account was fraudulent. I did as instructed and filed proper disputes. Today I got a notification from Transunion stating the account is accurate. I am Not sure where the disconnect is but it needs to be rectified immediately. I have worked extremely too hard my entire adult life to have amazing credit for it to be jeopardized for a {$61.00} annual fee for a card I did not open.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed a WFBNA CARD account ( Account Number : XXXX ) with Experian. After investigation, the account was deleted from my credit report. However, on XX/XX/year>, Experian reinserted this account without sending me a required reinsertion notice, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

As a result of this improper reinsertion, my credit score dropped by XXXX points, causing me severe financial harm and emotional distress. This has negatively impacted my ability to obtain credit and has caused undue stress and anxiety. 

Under the FCRA, Experian was required to : Notify me in writing within five business days of the reinsertion. 
Provide the name and contact details of the entity that requested the reinsertion. 
I never received any notice from Experian, which is a clear FCRA violation. 

I formally disputed this reinsertion with Experian in writing and demanded removal, but they have not responded adequately.
Product: Checking or savings account

This is concerning an estate account held with XXXX XXXX that had a CD invested with Goldman Sachs. 
The estate account was created in XX/XX/ ( from a longstanding individual account at XXXX XXXX ) and Goldman Sachs wouldnt redeem the CD to the beneficiaries until just a day ago, XXXX XXXXXXXX  The other banks CDs were redeemed at the end of XXXX. 
XXXX XXXX said they had no recourse or contact information for Goldman Sachs. I tried various contact numbers directly with Goldman Sachs to no avail. 
I believe Goldman Sachs was intentionally delaying the redemption given the CD was at a low rate, 2.25 %, while current CD rates are around 5 %, so to their economic advantage at the expense of the estates beneficiaries. 
Are there any timing regulations for redeeming estate account CDs by the banks? How can there be no transparency on the process when inquiries are repeatedly made? What recourse should there be? 
This complaint is to bring to your attention the unacceptable practice by Goldman Sachs as well as XXXX XXXX indicating they had no recourse.
Product: Debt collection

XXXX, mailed a letter to XXXX XXXX XXXX to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. XXXX has failed to provide the method of verification within 15 days.
Product: Checking or savings account

My primary bank where I receive my paychecks is Capital One, and each Wednesday I receive an early deposit, but I have not received anything this past week. I was expecting a paycheck from my employer, estimating about {$600.00}, but it is now XXXX days past, and I have yet to receive anything. Capital One barely sent out an email about the issue on XX/XX/XXXX at XXXX, even though the issue had started as early as XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2019 Comenity Bank decided to lower my Credit line, in XX/XX/XXXX of this year they decided to close my account after paying on time for 22 months, and after having a XXXX balance, for 3 months they decide to close my account. and no explanation. Credit file shows as closed by Lender, and has a detrimental effect on my credit score, they offer no explanation as to why the account was closed.
Product: Debt collection

I'm writing to highlight an issue of concern in my credit file. I've discovered a collection entry from your agency that I was previously unaware of. Additionally, I have significant reservations about the legitimacy of the claimed debt. Exercising my rights under the Fair Debt Collection Practices Act, I formally request debt validation. Please provide the necessary validation and take appropriate measures to resolve this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX