23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> i got couple of email from capital One since iam long time capital one debit user. I didnt had any credit card with them. I got this email saying Your loyalty hasnt gone unnoticed, XXXX. 

XXXX added {$100.00} to your bonus offer. You can earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. Continue with the offer. Which i did and used there XXXX $ on the cards. Yet when it was there end to send me the XXXX $ they didnt. And when I pressed them about it they give me the run around like oh your credit score is good not excellent. Yet when I continue with the offer i got approved and no where it said no your credit is good not excellent and this offer isnt for you. I feel like they falsely advertised to me for a credit card I didnt wanted and approved me for it yet didnt honor there end of giving me the XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau, these inquiries remain on my credit file. 
As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

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
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against Cash App ( Block Inc. ) due to inadequate customers 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 and 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 these Violations. Also I Had 2 Accounts one which i Provided Proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : ( Original Creditor : XXXX XXXX XXXX   ), ( Original Creditor : XXXX XXXX XXXX ), ( XXXX Creditor : XXXX XXXX  ), ( Original Creditor : XXXX XXXXI ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Removal of Inaccurate Information from Credit Report - Violation of FCRA and Consumer Rights Dear Sir/Madam, I am writing this letter to bring to your attention a serious matter regarding inaccurate information that is currently being reported on my credit report. It has come to my attention that J.P. Morgan Chase Bank has provided inaccurate information about my credit card account, which is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ) ( 2 ) ( B ), and various other laws and regulations, including the XXXX, XXXX, and my Fourth Amendment rights. 
Under the FCRA, I have the right to privacy, as stated in 15 U.S.C. 1681 ( a ). Furthermore, Section 604 ( a ) ( 2 ) of the FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. However, it has come to my attention that J.P. Morgan Chase Bank has provided information to your credit reporting agency without my consent or authorization. 
Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including any adverse item of information in a consumer report, unless it is a record of conviction of a crime which antedates the report by more than XXXX years. The inaccurate information being reported by J.P. Morgan Chase Bank clearly falls under the category of an adverse item, as it negatively impacts my creditworthiness and financial standing.

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) explicitly states that 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. In accordance with this provision, J.P. Morgan Chase Bank is in violation of the FCRA by knowingly providing inaccurate information about my credit card account. 
I demand that you promptly investigate this matter and take immediate action to delete the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue all legal remedies available to me under the FCRA, including but not limited to initiating a lawsuit against both J.P. Morgan Chase Bank and your credit reporting agency.

Please provide me with a written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. I expect this matter to be resolved within the legally required timeframe of XXXX days as stipulated by the FCRA. 
I have enclosed copies of supporting documentation, including proof of the inaccurate information being reported, for your reference and further investigation. I trust that you will handle this matter with the utmost urgency and professionalism, as it has caused significant damage to my creditworthiness and financial well-being. 
Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute. 
Sincerely, XXXX XXXX
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. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  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: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name TXXXX  Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_/ NEVER FILED_______ Account Amount_ {$7500.00} Account NameXXXX XXXX  Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT/NEVER FILED Account Amount {$58000.00}
Product: Student loan

I am on a repayment plan with navient and made payment for all student loans but they told me itll still show XXXX for XXXX loans even Im making payment for XXXX  months
Product: Debt collection

Isnt there some kind of statue of limitations on these old debts from 6 years ago? My credit is ruined because Hollaway Credit Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft.. Ive sent in numerous FTC reports and 605b to Equifax XXXX  & XXXX  XXXX XXXX has blocked/deleted all fraudulent information from my account. For some reason Equifax and XXXX  says its been verified. Per fcra only true and accurate information should be reporting to my account. Per fcra 605b information should be blocked from my report with 4 days. But XXXX  and Equifax are ignoring the rules/ laws of fcra. It seems as if I will have to consult legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies in the personal information section of my credit report. Upon obtaining a copy of my report, I noticed that incorrect information is being reported under my personal details. To clarify and rectify this issue, I am providing my accurate information below : Name : XXXX XXXX XXXX ( This is my legal name. Please delete any other references to names, as they are not mine and I have never used them. ) Date of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number ( Last XXXX Digits ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you correct my information as listed above and remove any other inaccurate personal details currently being reported on my credit file. To facilitate this process, I have enclosed the following documentation for your verification : A copy of my government-issued identification card A recent copy of a utility bill ( or bank statement ) confirming my address Please ensure that these corrections are made promptly to prevent any further inconvenience or potential harm caused by these inaccuracies. Kindly confirm receipt of this request and notify me once the corrections have been applied. 

Thank you for your attention to this matter. If you require any additional information or documents, please do not hesitate to contact me. 

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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX5 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

Erroneous activity has been reported multiple times. It is imperative that any unauthorized item is removed within four business days. These process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN CONTACTING TRANSUNION AND XXXX ABOUT THESE FRAUD ACCOUNTS FOR 5 MONTHS. I SENT IN POLICE REPORT AND FTC REPORT AND THEY STILL DIDNT REMOVE THESE ACCOUNTS. ( 1 ) XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX ( 4 ) XXXX XXXX  ( 5 ) XXXX XXXX ( 6 ) XXXX XXXX ( 7 ) XXXX XXXX XXXX ( 8 ) XXXX XXXX XXXX
Product: Debt collection

American Express has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Product: Checking or savings account

This is my second time reaching out to the agency about Bank of America not honoring my claim dispute with XXXX. In XX/XX/2022, I contacted Bank of America and informed them that my account was fraudulently charged by XXXX in the amount of {$230.00}. In XX/XX/2022, I filed a complaint with the CFPB because my claim was denied by Bank of America. In XX/XX/2022, I received a call from the XXXX XXXX representative and she explicitly told me to refile my claim because the initial dispute was incorrectly filed as a billing dispute. Accordingly, I filed my claim again with Bank of America and my account was issued a temporary credit. Well last week, I received a letter indicating that my claim was denied because it was a duplicate. This is ridiculous and I followed all instructions provided by the BofA representative. Most important, their response letter affirmatively told me to refile my claim. BofA is violating my consumer protection rights.
Product: Money transfer, virtual currency, or money service

Trasfered money via ACH into Cryptocurrency exchange. Week later they froze my account and restricted my account 's selling, buying, sending feature. Been a month and tried multiple times to reach assistance to remove the restrictions. Funds from my bank have cleared but Coinbase still holding my money/assets hostage. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven 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: Debt collection

I have been getting calls for months from a company called receivable performance management. They are calling to retrieve a debt for someone I do n't even know. I have told them many times to remove my number and do not call anymore. They said they would but continue to call many times everyday. They are very rude and usually hang up on me when I try to explain the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account theres are several accounts that violates my rights. 15 USC 1681 section 602 stated I have the right to privacy. 15 USC 1681 section 604 a section 2 : it also stated a consumer reporting agency can not furnish an account without my written Instructions. 15 US code is 1681a - rules of construction exclusion exception as provided in paragraph The terms consumer report Any reporting containing information solely as two transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Sincerely, XXXX XXXX XXXX