23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I recently disputed late reporting on my credit file with Capital One Auto and asked them to address several late reportings. Capital One provided me with statements/proof for some the late disputes. They failed to provide me with Inaccurate late reporting for XX/XX/XXXX and XX/XX/XXXX. I will wait on this information from Capital One.
Product: Debt collection

When I moved out of this unit I didnt owe anything I had to replace and pay for all repairs previous to me deciding to move the maintenance person for the complex did the repairs I wasnt satisfied with them but they never came to fix them now that Ive moved they want me to pay for repairs Ive already paid them to do
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW SECTION 605B YOU MUST REMOVE THE FRAUDULENT INFORMATION FROM MY NAME. I HAVE ATTACHED PAPERWORK SHOWING THE FRAUDULENT INFORMATION.
Product: Credit reporting or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

The below accounts are not mine I have requested multiple times for signature copy of the accounts with my signature as proving its mine and the companies have not provided anything. 

Account NameCAPITAL ONE Account XXXX Account TypeCredit card  Date Opened12/18/2018 StatusPaid in settlement. {$450.00} written off. 


XXXX  Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XXXXXX/XX/XXXX Date Opened Closed. {$490.00} written off. 

XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility  XX/XX/XXXX Date Opened Closed. {$490.00} written off. 

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Paid, was a repossession
Product: Debt collection

A debt collector is saying he can take away my business license and property over my employees debt. He is calling 2-3 times a day, and only when the employee is not at work. I'm XXXX years old. He says he's sending the sheriff out to close my business down. My employee only gets paid monthly but he is calling everyday. The company is called Commercial Adjustment in XXXX, XXXX. He not only calls the business, but calls my personal cell phone. His harassment calling me on my cell phone almost caused me to have an accident in my car.
Product: Checking or savings account

Before coming across fee my account was well over XXXX. then I started investing into my business '. 

since I don't have a lot of money and that if I spend any thing over what's in my account that my other account can make up the difference. 

the issue with the app if i had access to the app on a secure working phone. 

ideally I'd look at my account and see how much I had on balance and purchase. 

not having a working device verified by capital on or having amazing abilities required to sign in. 


you can't really manage your account, maybe you can but for personal reasons its not that easy. 

so I call capital one a few times and then i was like why not just walk in there, so I was waiting for a refund. 
for the account to be XXXX $ balance cause i only need XXXX $ to avoid the fees for a XXXX $ leger. 

so without the ability to access my account or be notified or to prevent or to protect my credits. 

so I feel that the company policy pretty much creates a risk, or some what of a trap. 
its no excuse if i had complete understanding and the device and app to reflect the services that they provide. 

the service in relation to balance is not updated to the processing expected of a business. 

for instance if I have XXXX refunds with in the past week. the balance isn't immediately reflected. process of delay. 

I was also expecting refunds on these accounts in which can not be collected because of the banks harsh penalties. 

I am a XXXX, XXXX, recently homeless, business person and i need my account like I need the keys to the front door of a house. 

I came to this company with a goal and my Dreams and all the money I have, I have not received any funds from the IRS nor do i have a job. but without my account I can't make vital choices for my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Accounts Blocking and Deletion Due to Data Breach Dear Experian Team, XXXX XXXX XXXX XXXX this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened, personal loans, and hard inquiries. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1300.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$2700.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$5300.00}. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX {$7100.00}. 
This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate information on my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent credit cards appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, credit card accounts or hard inquiries as reported. The accounts, credit card accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, by me, or initiated by me. All the accounts, credit card, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email XXXX Sincerely, XXXX XXXX XXXX : Proof of Identity Supporting Documentation
Product: Credit card or prepaid card

I got a letter from chase today by snail mail asking for more info about my disputes with XXXX and XXXX. The post office first delivered this letter to the wrong person. So it was delayed. The letter says the deadline for me to have my reply to chase is XX/XX/2022. Their web site will not let me reply in full because of a word limit. I don't have a fax machine. Snail mail will not get there in time. I think chase might have emailed me this letter already a long time ago and I might have already replied. But there is no record of this at chase.com. They should email me again and let me reply with no word limit.
Product: Credit card or prepaid card

I am seriously tired of capital one giving me the run around about a dispute with budget.com. I have been given multiple messages, wasted lots of time and more
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX 

Upon information and belief, XXXX XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX  Account. 

Upon information and belief, XXXX XXXX  failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.
Product: Credit card or prepaid card

I have purchased and moved into a condominium. I still get credit card promotional letters for previous occupants of the condo, addressed to them. One persistent one is Citi Bank, advertising their credit cards. 

I have called Citi Bank and asked them to take my address off their mailing list for this previous occupant. However, once transferred to the calling center that would remove addresses off the mailing list, they told me that I needed an account to go further. I don't have a Citi Bank account or credit card. 

I literally said " So I need to be a customer in order to ask you to remove my address from your mailing list for promotional letters? '' and they literally said " Yes ''. To me, this is ridiculous. 

I understand that I can follow the instructions here XXXX XXXX XXXX XXXXXXXX And call the OPT-OUT number and the XXXX. However, that will remove my name. How can I remove previous occupants from the mailing list for my current address? Shouldn't the company be able to do this for me even if I am not a customer?
Product: Credit card

I am a victim of a credit takeover that began in XXXX of 2021. 
I received a letter in the mail from Synchrony Fraud Team, indicating that I had opened a Lowes credit card ending with # XXXX. 
I advised Lowes I had never requested, possessed or made payment on this card. 
Billing statement for card ending in # XXXX, is showing an address of XXXX XXXX XXXX, XXXX XXXX XXXX which is not mine Lowes also allowed additional credit cards to be opened in my name which I did not request, or open. These cards ended in # XXXX, XXXX, XXXX, and XXXX. 
These accounts have already been noted by their company to be fraudulent. 
Company is refusing to recognize # XXXX as also being fraudulently opened.
Product: Money transfer, virtual currency, or money service

I had sent a Money Transfer ( MTCN XXXX XXXX XXXX ) for XXXX XXXX to XXXX XXXX XXXX in XXXX, XXXX , through Western Union. Since the Beneficiary did not collect the same, I got a letter from Western Union, asking me to go to their Agent and collect a Refund, if I want to. Accordingly, I went to the same Agent ( " XXXX XXXX XXXX '' in XXXX XXXX, NY-XXXX ) through whom I made the transfer. He confirmed that the amount is not picked up but he can't process the refund unless I call Western Union at XXXX and get another Code Number. 

Accordingly I called that number and spoke to one of their CSRs - XXXX ( Employee Number : XXXX XXXX ), probably in The XXXX. She verified all the information and and put me on hold for almost 20 minitues and at XXXX XXXX said that the she can't process the refund and I will have to wait for a call from some other department, which might come in 24 hours. 
I do not understand why I have to wait another 24 hours, since the Money Transfer is still pending in their system and she has verified all my information. .I told her, I have worked in the Money Transfer industry at the CEO level in the US and also abroad for over 2 decades and have never heard of any such rule.She says that is the rule of Western Union .
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX affirm and account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX I funded from an external bank account XXXX that went to a new account at Vio Bank. On the XXXX I got an email saying the transfer didnt go through. I called the bank and they told me the closed my account. I got no notice or explanation. I do not have my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' I demand it be removed from my credit account immediately. I do prefer a cash check please.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

I been a Synchrony bank/ Amazon store card customer since XX/XX/XXXX. Ever since the account was opened, the conditions of the account have been followed and every payment has been made on the timely bases. In any case, as of XXXX of XXXX I been unable to use the account despite the account having an available credit of {$5000.00}. I have updated and recheck the card information several times and everything appears to be in order. However, synchrony bank/ Amazon has continued to decline my orders and as with many of their credit cards issued by them.Synchrony bank/Amazon has engaged in what I consider to be a questionable practice, one which I consider to be in violation of my civil rights and any law that appeals to fair credit practices. I have filed complaint before and the issue doesn't appear to be going away in fact it appears to be getting worse. I have included account snap shot with the order information and dates. Also note that the last intended use of such account was XX/XX/XXXX and for reasons unknown to me continues to be denied up till this date.
Product: Debt collection

Early in 2021 I decided to use XXXX to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to XXXX. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using XXXX. Their app aggregated the monthly payments of the various transactions I made using XXXX. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If XXXX had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. XXXX did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, XXXX continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.