23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Capital ONE Credit Card ; Happy New YEar! Hope all is well on your end. Listen, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I pulled credit report to see what was on there to purchse home. Called Experian on XX/XX/2023 to get inquiries removed and I explained why. Being I was not aware of who these companies are. Asked them to physically verify. Three hours later it reflected that they were gone. By XX/XX/2023 they claimed verified. I feel they did not abide by FCRA laws.
Product: Credit reporting or other personal consumer reports

The employer only required the MVR from previous 3 years... The consumer report company reported my driving record older than 3 years which is disqualified me for getting the job I applied for... I request to make that correction on my report ASAP. Only report my records for the past 3 years from now on. The records from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are outdated and it's older than what the employer required so please excluded those on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 fumish a account without my written instructions.

15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card

This is a case of conflict of interest against the consumer, summarized as follows : Credit issuer is declining to issue a chargeback to their partner store card merchant for defective merchandise returned, because their partner store card merchant feels their return policy has been violated [ paragraph 5 ].

Credit issuer admits in their attached letter that they are " ( not ) responsible for handling matters related to sales, merchandise processing, returns and shipping. '' [ paragraph 4 ] Yet credit issuer, despite acknowledging in their own words that " the laptop was liquidated ( by their partner store card merchant ) '' [ paragraph 5 ], refuses to refund the consumer for a defective device no longer in the possession of said consumer - flying in the face of their immediately preceding assertion, instead acting as the enforcer of the return policy. 

If there were no conflict of interest and the credit issuer claim that " Comenity Capital Bank and XXXX & XXXX XXXX are separate entities '' [ paragraph 4 ] were truthful ; credit issuer could only have decided on the logical basis of the physical possession of the defective merchandise, instead of a third party return policy. Clearly this is not the case as credit issuer has based their decision on an ostensibly third party return policy instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

This company is incorrectly reporting my account as over 30 days past due! When I paid my bill online it showed I my balance due was {$390.00}, I made the payment. Now I am being reported 30 days past due. This is unfair abusive practices. This has decreased my credit score by 46 points!! I am so upset this company has deceptive practices. I need this fixed right away! This harmful reporting is causing me anxiety! I just received the alert to my phone!
Product: Debt collection

I did not give consent to have a report of collection on my credit report. I've never received a validation notice. Or my right to dispute the validation notice with my attorney via letter to litigate. I'm XXXX. it's been XXXX years since XXXX  XXXX. My address is verifiable with usps and hasn't changed in XXXX plus months. I meet the govt help for affordable connectivity program from XXXX income. The account needs to been closed and removed like every thing else has been. 

I can't handwrite and rely on dshs and my attorneys.
Product: Debt collection

On XX/XX/ GENESIS CREDIT MANAG added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA GENESIS CREDIT MANAG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

BB & T XXXX XXXX XXXX XXXX, FL XXXX XXXX FAX XXXX BB & T CLAIM XXXX XXXX BB & T sent me a credit card I never received. Someone else received and used the card without my authorization. I never received the card. I do not know who received the card. I never used the card. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged again for XXXX. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX on XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2013 a Home Equity Line of Credit was transferred to Specialized Loan Servicing. Since 2013 payments to SLS has been made, not all on time, but in good faith. Since 2013 SLS has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. SLS sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation SLS has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that SLS is hindering my ability to repair my credit for 30 years.. Please help
Product: Credit card or prepaid card

On XX/XX/2021, I noticed a fraudulent charge in the amount of XXXX from a merchant called XXXX XXXX charged to my Chase Visa. I immediately called the chase fraud division to report a fraudulent charge, and they told me to immediately destroy my card and begin using a new one. I complied with these instructions. Today I received a notification that I had " received some benefit from this transaction '' and that they would be recharging me for this amount. I did not receive any benefit and have never signed up for an account let alone heard of this company. I am very frustrated with them and don't understand how I received benefit from something that I did not charge and did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FEEL LIKE THE CREDIT BUREAUS ARE TAKING ME FOR A JOKE I HAVE TRIED SEVERAL TIME STO REMOVE THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORTS I HAVE FILED AN IDENTITY THEFT AND THEY KEEP SENDING ME A GENERIC LETTER SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I WANT TO KNOW HOW THEY VERIFIED IT IF THEY WERE NOT PHYSICALLY THERE TO WITNESS THE FRAUDULENT TRANSACTION. ACCORDING TO THE FCRA THE FRAUDULENT ACCOUNTS ARE TO BE BLOCKED WITHIN 5 DAYS MY RIGHTS AS A FEDERALLY PROTECTED CDONSUMER ARE BEING VIOLATED. I NEED THE 2 XXXX  XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT TO BE REMOVED IMMEDIATELY ENOUGH ISN ENOUGH THIS IS RIDICULOUIS THEY ARE RUINING MY LIFE!! I BARELY SLEEP BECAUSE OF THIS BECAUSE MY CREDIT REPORT IS MY REPUTATION AND YOU ARE RUINING IT
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, paypal deducted all balance from my paypal acount, which is {$4900.00} USD to paypal 's own account. It says the amount was transferred to paypal. It was gone without my permission, and even didn't send me any notification. It just disappeared. I am a single mother of XXXX adorable kids. I need to pay bills for utility and the rent for the house. Life is so hard for me. Because paypal says the funds will be available for withdraw after 180days, so I didn't check it during this period. I was shocked by what payapl did to me. That is illegal to steal my money.I realize that CFPB can help me in this kind of situation, that's why i am report to you. Please kindly help me to solve this issue and get the money back.
Product: Credit reporting or other personal consumer reports

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately, please removal all fraudulent inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BANK OF AMERICA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that errors in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're infringing on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX XXXX XXXX Late Payment {$32000.00} XXXX XXXX XXXX XXXX Collection {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$1000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX {$1100.00} XXXX  XXXX Collection {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Collection {$1500.00} XXXX XXXX Collection {$3900.00} XXXX XXXX Collection {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$3900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$2600.00} XXXX XXXX Collection {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Charge-off {$2800.00} XXXX XXXX  XXXX Charge-off {$280.00} XXXX XXXX XXXX Charge-off {$9000.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$660.00} XXXX XXXX Charge-off {$1500.00} XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report 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 XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX Has violated my rights / They have also stated that I had Late payments on XXXX accounts and this never occured XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX : XXXX 15 U.S.C. 1681 Section 602A. 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 or other personal consumer reports

I am writing to formally dispute a hard inquiry that appeared on my credit report on XX/XX/2025, initiated by CBNATHD ( also known as Citibank XXXX XXXX and The Home Depot ) located at XXXX XXXX XXXX XXXX XXXX, TN XXXX. This inquiry was generated as an " Individual Inquiry '' and was made without my authorization or permission. 

I have not applied for credit or any services that would necessitate a credit check from CBNATHD. Therefore, I believe this unauthorized inquiry may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Specifically, I am concerned that this inquiry may be the result of : Attempted identity theft : CBNATHD may have failed to properly verify my identity, allowing an unauthorized individual to access my credit information. 
Improper use of my credit information : CBNATHD may have accessed my credit report for purposes unrelated to a legitimate business need, potentially to further their own interests.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX 
XXXX  ACCOUNT NUMBER XXXX. 
XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00}, XXXX XXXX Account # XXXX, XXXXXXXX XXXXXXXX Account # XXXX balance {$1700.00} 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for the second time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 


XXXX XXXX  XX/XX/year>, XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file : XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to the Credit Bureaus appealing to them to conduct a proper investigation of the following accounts : XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXX Balance Owed : {$0.00} ; for I noticed that these accounts are reporting erroneous information on my Credit File. The Credit Bureaus are required to verify the information that these accounts report in accordance with the FCRA section 609 and 611. It is not acceptable for the Credit Bureaus to continue reporting these accounts without a proper investigation. I am requesting that the Credit Bureaus correct these accounts and update from any misleading information that these kept on reporting.