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

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

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

There is a collection account showing on my XXXX report with Amsher Collections services for {$120.00}. The date last reported is showing XXXX/XXXX/2015 but I have called Amsher and they do not have this particular account for XXXX XXXX. Also, my children have had medical insurance all their lives so this bill should not be on my report at all. I have never had any problems with there insurance before now and dont understand this bill at all especially since it os reporting that Amsher has debt thru XXXX but they say it is not in there office. I have disputed with XXXX because again when I called Amsher it wasnt in there system and the account has been removed and not sure why its still there
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones ' failure to deposit my Direct Deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, I looked at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the following reasons : XXXX XXXX XXXX-Acct # XXXX Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXXAcct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX-Acct # XXXX I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX -Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX- Acct # XXXX I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX- Acct # XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX- Acct # XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means.

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information. 

I urge you to handle this matter with diligence and accuracy. 
Please see the attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that three different companies are claiming ownership to one account on my credit file. According to the FCRA, this is a violation. XXXX This original furnitureXXXX XXXX XXXX XXXX has fraudulently sold this account to two different collection agencies. LVNV FUNDING, LLC, and XXXX XXXX XXXX XXXX XXXX which I havent had any luck with speaking with a representative. While they are still claiming ownership on my XXXX and XXXX credit files. Making it a total of 3 different companies claiming ownership of one account to the three major consumer agencies. Along with this complaint, I have included screenshots of their fraudulent behavior of these companies.
Product: Checking or savings account

I am unable to access my XXXX app bank account. I can not login to the application, meaning I can not access my income being paid into this account. On XX/XX/2023 I initiated an online support ticket for help with accessing my account. On the same day, I received a response from an agent named XXXX, asking for some identity verification information. I responded, same day. From there, I didnt receive a response from the company for an additional XXXX  days. The response I received was thanks for your patiencethey will be in touch very soon. During this XXXX  day period, I spent hours on the phone EACH DAY, waiting on hold on the customer service phone line. Each time, I would wait for just over XXXX hour, and the call would disconnect. No one answered these calls, ever. At this point, its been XXXX  days since my initial attempt to contact the company to resolve the issue and give me access to my account and funds. This is unacceptable, and clearly a major oversight by the company. I want access to my account, immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/year>. - to present XXXX of XXXX. I havent have access to my account with no help. It says they will contact me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified Inquiries listed below continue to report on my credit report in violation of federal law. These Inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these Inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was mailed a Best But Citi credit card. I called Best Buy/Citi to inform them that I never signed up for this credit card. I then got in the mail a notification that the credit card had been used and purchased goods on this card, which was fraudulently created in my name. After this occurred, Best Buy canceled the credit card for being created fraudulently. However, this credit account is still on my Credit Report and I still get mail about an outstanding balance to be paid. I filed a fraud claim with Best Buy/Citi and XXXX. I never signed up for this card or made purchases on this card, and need it removed from my credit account.
Product: Money transfer, virtual currency, or money service

Citizens Bank has refused to transfer an investment account to another bank. They have put XXXX XXXX blocks, denied access, and altered documents to prevent me from withdrawing an investment account. They have igned my numerous requests and correspondence. I am XXXX for my uncle, and they refuse to acknowledge my authority to handle his account. They purposefully altered a notorized document to prevent me from making a transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXXXXXX XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XXXX XXXX For years I try to work With one main financial.. I've been paying them for years. my balance seems to be the same. That no matter how much I pay the balance does not seem to go down. I am paying high intrest rate. I use my old car as collateral and they will not even allow me to sell it. I'm paying for insurance on the vehicle, That i'm not even using. Plus I have to pay for registration. 

I spoke to one main financial multiple times to help me. I was given the run around. 

Here 's a little of my back story. In the last few years my wife became ill. She was already hospitalized and in the hospital multiple times this year alone. I started to struggle to pay my Bills, Due to the Overwhelming medical expenses. There was also hours that was missed from work., That cut out parts of our income. There was income loss hours. At this point I need to focus more on my wife And getting her better. I need this company to work with me. To also understand the struggles I am going through. To at least have a heart and understand This situation. I need this company To work with me and not against me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. 

Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 
2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 
3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX XXXX , are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 
4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. 

Specific Requests : 1. Conduct a thorough investigation into this account. 
2. Request XXXX XXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 
3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 
4. Provide me with a written response detailing the results of the investigation and actions taken. 

I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Checking or savings account

Several attempts have been made by myself and my XXXX Attorney who handles filing with the court my XXXX wifes XXXX Account under Capital One bank. A letter issued by the Court has to be sent to the bank to be filled out, signed, and returned to our XXXX Attorney to be submitted on yearly filing of the Guardianship. Both the XXXX Attorney and myself have made many requests for this letter filled out and signed, and they have been ignoring this important request. The Guardianship account with Capital One is under my name and any requests that are made with this account under a court request should be met.
Product: Debt collection

: Debt Validation Request Pursuant to FDCPA ( 15 U.S.C. 1692g ) To Whom It May Concern, I, XXXX XXXX, am formally disputing the alleged debt referenced in your communication with me. Under 15 U.S.C. 1692g, I am requesting that you validate this debt and provide evidence that I am legally obligated to pay. 

According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ), a simple assertion of a debts validity is insufficient. You must provide : Proof of the original contract with my signature, demonstrating my legal obligation to pay. 

A full itemization of the alleged debt, including principal, interest, fees, and any additional charges. 

The name and address of the original creditor. 

Documentation that your company has the legal right to collect this debt, including a valid assignment or chain of title. 

Under XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), if you fail to provide adequate validation within 30 days, all collection activity must cease immediately. Additionally, continued reporting of an unverified debt to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), as established in XXXX v. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Failure to comply with this request may result in legal action against your company for violations of FDCPA and FCRA, including statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1692k ), plus attorney fees and court costs. 

Additionally, per XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), even attorneys engaged in debt collection must comply with FDCPA regulations. 

Until proper validation is received, I request that you : Cease all collection activities, including phone calls and letters. 

Refrain from reporting this debt to credit bureaus or, if already reported, mark it as " in dispute '' ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ).

This letter serves as a formal dispute and Cease and Desist notice under FDCPA and FCRA. If you fail to respond appropriately within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond in writing to the address provided. 

Sincerely, XXXX XXXX Without Prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$29000.00}, XXXX XXXX XXXX. {$1900.00}, XXXX XXXX XXXX XXXX. {$11000.00}, XXXX XXXX XXXX XXXX. {$530.00}, XXXX XXXX XXXX XXXX. {$370.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD opened a credit account in my name on XXXX XXXX2016 without my consent or authorization!!! I never signed any contract or document authorizing such agreement.The status of such account is charged off and the account number is # XXXX
Product: Credit card

I received an email from Capital One saying that I opened a Capital One Business card account and was approved. I never applied for an account. I also received an email that said I went paperless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a credit repair company or credit person, I am XXXX XXXX XXXX XXXX, and I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX/XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

date open XX/XX/XXXX, amount {$13000.00}. statues update XX/XX/XXXX false statement last payment date XX/XX/XXXX, i have never done business with. i report this to FTC XXXX XXXX XXXX is putting fraud reporting on my report. Section 605b focuses on blocking information on a consumers credit report that is the result of their identity being stolen. In simpler terms, if a particular consumer can show proof that a negative item or multiple items on their credit report are inaccurate due to identity theft, the credit bureau is legally obligated to either remove or block that information from their current report.
Product: Mortgage

I am in the process of recasting my current mortgage. XXXX XXXX/Loancare agreed to accommodate my request and I initiated the process by submitting a {$100000.00} principle payment and completing the documentation required my XXXX XXXX/Loancare. A signed and notarized Agreement for Modification and XXXX was sent via overnight courier on XX/XX/21. The agreement was additionally, uploaded using XXXX XXXX/Loancare 's online document center. XXXX XXXX/Loancare 's instruction letter states that this process may take up to 20 days and will reduce my monthly mortgage payment. 

To date, I have been unable to make contact with anyone in the specific department that handles reamortization. Customer service reps claim to have not received documentation sent via overnight courier with proof of delivery and uploaded documentation submitted through the online document center, also with proof of receipt. 

I have made multiple efforts to get this process back on track through phone calls, e-mails and letters sent via USPS. All attempts have been completely ignored and I am unable to get any kind of status update or timeline on when or if this process XXXX XXXXLoancare agreed to will actually happen. 

At this point, It seems that I have been duped into making a {$100000.00} principle payment and that XXXX XXXX/Loancare has no intention of reducing my mortgage payment as promised.
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. 
I have informed XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account Number XXXX This account is reporting inaccurately. This account is showing the wrong date of last payment across all three bureaus. Please see the attached report with the inaccuracies circled. According to 15 USC 1681i ( 5 ), accounts that are reporting incorrectly are to be removed from a credit report. This account needs to be REMOVED as it is inaccurately reporting on my credit report. 


However, they have not responded to the attempts I have given to have this reviewed for inaccuracies. This should not be possible as there are many inaccuracies such as incorrect open dates, incorrect account statuses, and even fraudulent accounts listed on my report. According to 15 USC 1681i ( 5 ), as stated above, the credit bureaus are supposed to verify this information is correct and remove inaccuracies. They have failed to do so. So as stated in 15 USC 1681s-2 ( A ) (! ) 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. I am requesting a review and to have the accounts listed above DELETED from my credit reports.
Product: Credit card

DISPUTE OF INACCURATE INFORMATION UNDER USC 1681B AND REQUEST FOR BLOCKING UNDER 15 USC 1681C-2 I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION CONTAINED IN MY CREDIT REPORT, AS PERMITTED BY FAIR CREDIT REPORTING ACT ( FCRA ), SPECIFICALLY UNDER BOTH 15 USC 1681B AND 15 USC 1681C-2 . UNDER 15 USC 1681B, CONSUMER REPORTING AGENCIES MUST ENSURE THAT THE INFORMATION THEY REPORT IS USED FOR PERMISSIBLE PURPOSES ONLY. I AM DISPUTING THE ACCURACY OF THIS INFORMATION, AS IT HAS A SIGNIFICANT IMPACT ON MY CREDITWORTHINESS. I REQUEST A THOROUGH INVESTIGATION INTO THE ACCURACY OF THIS INFORMATION AS REQUIRED AS REQUIRED BY 15 USC 1681B. ADDITIONALLY, I SUSPECT THAT THIS INACCURATE INFORMATION MAY BE A RESULT OF IDENTITY THEFT WHICH FALLS UNDER THE PROVISION OF 15 USC 1681C-2. TO ADDRESS THIS CONCERN, I KINDLY REQUEST THAT YOU INVESTIGATE THE POSSIBILITY OF IDENTITY THEFT AND BLOCK THE REPORTING OF THIS INFORMATION IF IT'S FOUND TO BE THE RESULT OF SUCH UNAUTHORIZED ACTIVITY