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

EWS Your response dated XX/XX/year>, demonstrates that Early Warning Services ( EWS ) has not complied with FCRA requirements for verification and reinsertion, specifically in relation to 15 USC 1681i ( a ) ( 5 ) ( B ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), and 15 USC 1681n. 

On XX/XX/year>, I initially disputed multiple accounts with EWS due to identity theft, explicitly requesting that these items be deleted from my report. I also requested a detailed account of verification procedures, including the names of man or woman who conducted any verifications with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX, along with all supporting documentation and all interviews, dates and time. However, your response has failed to satisfy these requirements in the following critical ways : 1. Failure to Provide Required Verification Documentation Your response admits that EWS does not possess or have access to the documentation supporting the alleged accuracy of the disputed accounts. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), the FCRA mandates that a consumer reporting agency must provide consumers with any documentation relied upon in determining the accuracy of disputed items, if requested. Since EWS lacks these records, it is legally obligated to delete these unverifiable items from my report.

2. Improper Reinsertion of Blocked Information EWS previously blocked these disputed items following my identity theft claim, yet later reinserted the information without providing the required notice or certification verifying accuracy, as required by 15 USC 1681i ( a ) ( 5 ) ( B ). This action constitutes a clear violation of FCRA, which stipulates that reinserted information must be verified and accompanied by specific notice within five business days. EWS has not met these requirements, making the reinsertion improper and grounds for immediate deletion.

3. Inadequate Investigation of Disputed Accounts Your response suggests that EWS merely forwarded my dispute to the originating financial institutions, without conducting an independent investigation as required by FCRA. This failure to verify the disputed information directly is a violation of 15 USC 1681i. An agency can not fulfill its obligations by simply relying on statements from the original furnishers of information, especially in cases where identity theft has been alleged and no verification documentation is available.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I disputed accuracy on a account that was inaccurate and Experian responded on XX/XX/XXXX accused me of not being be when I have provided proof of address and a proof of i.d . On XX/XX/XXXX I responded to the accusations of their response with another letter telling them to continue the investigation. on XX/XX/XXXX they responded once again stating that they believe the letter is not coming from me.
Product: Debt collection

I am writing to urgently request the removal of fraudulent accounts from my credit report. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. These accounts were confirmed as fraudulent by the associated banks over the phone, as a result of proven identity theft. The banks have assured me that they will promptly remove these accounts from reporting. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I forgot to make my min payment on time this month. I think I paid it late at night after the cut off time. Cut off times are ridiculous in this day and age and I don't know why or how these banks are even getting away with it. i wanted to speak with this bank in regard to this late fee and there is no way to contact them online directly in regard to a question specifically on your credit card. Most have a quick contact us button for this. They do not. You are forced to call in and the phone/automatic system is set up to make your life difficult, forcing you to enter all your personal info and then still asking for an account number!! Then, of course, the hold times are terrible as well during this time. 

I am literally carrying a balance for years that I can not pay down. For the entire first half of 2019 we had experienced a severe hardship when my husband got laid off for over two months. I was awaiting SS XXXX for going on two years at the time. We were terribly backed up on all our bills including our mortgage. I did everything I can to meet our minimum monthly payments and not mar our credit and we barely came through unscathed. This of course caused us to accumulate a lot of interest on all our cards. I did close this account due to the frustration of getting hit with a few late fees during this hard time that i was forced to pay of course. Since then I have made a monthly payment on time, for a long time until this month. 

I think the interest is unreasonable and I would like to request that at least one year interest be waived as well as the current late fee, if I could get through to them! Times are hard right now. People are struggling. I made my payment. I'm sure there are many who aren't even able to do that. I don't think it's fair that I have to pay a late fee and I would like to request a credit on some of the interest. maybe I can finally clear up this account.
Product: Credit reporting or other personal consumer reports

COMPANY : CAPITAL ONE FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} XXXX CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT CAPITAL ONE DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING CAPITOL ONE REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE CAPITOL ONE REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH CAPITOL ONE WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE CAPITOL ONE REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE XXXX ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM CAPITOL ONE IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT XXXX XXXX AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.
Product: Debt collection

I have sent XXXX letters ( XXXX XXXX and XXXX on XX/XX/XXXX to this company for XXXX separate accounts asking them to only contact me via mail and for verification and validation of the debt and of any contract that I have with them. I have not received any evidence of verification and validation of the debt and of any contract I have with them. 

They have called me on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear cfpb I am writing to express my dissatisfaction and anger over the recent data breach and misuse of customer information that occurred at your bank. I am one of the millions of customers who were affected by this incident, and I demand a full explanation and compensation for the harm caused to me.

According to the Consumer Financial Protection Bureau ( CFPB ), your bank illegally assessed fees and interest charges on auto and mortgage loans, wrongly repossessed cars, misapplied payments, charged surprise overdraft fees, applied incorrect charges to checking and savings accounts, and improperly froze some accounts [ ^1^ ] [ 1 ]. Moreover, your bank accidentally leaked confidential information about tens of thousands of your wealthiest clients to a former financial adviser who subpoenaed the company as part of a lawsuit [ ^2^ ] [ 2 ]. Additionally, your bank mistakenly provided personal information of some customers, including their names and social security numbers, to another customer while processing stimulus payments [ ^3^ ] [ 3 ]. 

These practices are not only unethical and irresponsible, but also illegal and in violation of various consumer protection laws. As a result of your negligence and misconduct, I have suffered financial losses, emotional distress, and increased risk of identity theft. I have lost trust and confidence in your bank, and I feel betrayed and violated by your actions.

I request that you take immediate and effective measures to remedy this situation and prevent any further harm to your customers. Specifically, I ask that you : - Provide me with a detailed account of how and why the data breach and misuse of customer information occurred, and what steps you have taken to secure and protect the data.

- Refund me any fees, interest charges, or other costs that I have incurred due to your errors or misdeeds, and correct any errors or inaccuracies on my credit report or account statements.

- Offer me free credit monitoring and identity theft protection services for at least two years, and reimburse me for any expenses that I may incur to safeguard my identity and credit.

- Apologize sincerely and publicly for your actions, and commit to improving your policies, procedures, and oversight to ensure compliance with the law and respect for your customers.

I expect a prompt and satisfactory response from you within 10 business days. If I do not hear from you by then, or if I am not satisfied with your response, I will take further action, including filing a complaint with the CFPB, contacting my state attorney general, and seeking legal counsel. 

XXXX
Product: Debt collection

In  2015 ,  XXXX  's  XXXX   XXXX  sent a bill to collecti ons. RentCollect was the company took over the bill. I never received any sort of communication from RentCollect in regards to this. I only found out about it after checking my credit and noticing my score went down due to the collection. The bill they received was for something I do n't owe. Even so, today I contacted them in an attempt to pay that bill. I only offered to pay it because my new apartment complex asked me to address the issue. I called RentCollect multiple times trying to make the payment and only asked for a faxed confirmation to be sent to the apartment complex. They very rudely told me they would not do that and it would have to be mailed.
Product: Debt collection

XXXX continues to keep this debt on my credit report even though they still have not provided anything with my signature or a social security number to prove ownership. If they bought the debt they should have these things if they belong to me. 

It is the debt collector 's burden to provide and prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within TransUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Mortgage

Had a forensic audit done on mortgage account and assignments and was advised by expert that my home was paid in full. This was done before mortgage was in anyway defaulted. Advised mortgager, requested documentation via registered mail from both original lender and new mortgage holder ; required by federal codes requesting proof of whom was entitled to payments. Requested original wet signature promissory note. Original was not provided, copy was sent to me with a stamp stating it was original. Sent 3 more payments via postal money order with a change in terms in memo section on front and back endorsement area of money orders that became new agreement of full satisfaction upon cashing by company. Terms were not honored as stated, while mortgage holder still cashed money orders. Finally sent audit advising of rescission due to fraud in contract, broken chain of title with an inactive XXXX  account and demanded release of all liens to both original and new mortgage holder. The same inactive XXXX  account has currently been used to assume my deed by initial mortgage holder, transferring to new mortgage holder, while the XXXX manual says only on active accounts.
Product: Debt collection

Pressler , Felt & Warshaw , LLP, Representing XXXX XXXX XXXX had filed a suit against me regarding 2 accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. Pressler , Felt & Warshaw , LLP has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXXXXXX The information reported by this creditor is inaccurate, and I am requesting that the account be removed from my credit report. 

XXXXXXXX XXXX XXXX is reporting different balances to all three credit bureaus. I have dispute of the account multiple times to ensure the account balance is accurate information keeps getting denied and verified as accurate. 

I have attached copies of my credit report with the incorrect entries highlighted, as well as any relevant supporting documentation. These documents should clearly demonstrate the discrepancies and support my request for correction. Additionally, I have previously contacted XXXX XXXX XXXX directly regarding this matter, but the issue has not been resolved. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that thisaccount is removed from my credit report entirely. The continued presence of this incorrect information is unfairly damaging my credit score and affecting my ability to secure future financial opportunities.

Please let me know if you require any additional information or documentation from my side to assist in the resolution of this issue. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance.
Product: Debt collection

This is a debt I owe for a red light violations..I 'm assuming a municipal debt. However I'm receiving back to back call after a FOTI/message was left. I received a call on Monday XX/XX/XXXXat XXXX ... and a XXXX minute message left. After the message was left ... I received another call a minute or less right after on the same date XX/XX/XXXX.This happens all the time.
Product: Student loan

XXXX XXXX, Back in XXXX or XXXX my Aunt Co  signed a school loan for an online school. XXXX XXXX XXXX. I received a loan for around XXXX. I later learned the school was uncredited and withdrew. I had to file for bankruptcy in XXXX for personal reasons. The loans were frozen at that time. I was told after my bankruptcy that I would reassume the loans. During that time NAVIENT began harassing my aunt for payment because she was a XXXX. I let her know what was going on. Due to the harassment of this company, I had the loan auto-drafted until my divorce in XXXX. My Bankruptcy was closed in XXXX and I started paying the loans again. 
Then came the pandemic and we are waiting for the government 's decision. I have gone on XXXX and requested the consolidation of all of my loans combined as XXXX which should remove any of my aunts ' information from any system. My total loans as of to date show XXXX. I have done everything I am supposed to do. Please help to stop the harassment from NAVIENT. My aunt does not deserve it if I have all of my loans combined in XXXX. According to the law, I thought all of the student debt collection calls were to be stopped. The company is only calling her for payment and not emailing or calling me at all. I believe this is harassment, and possibly even a scam. The number they are calling from is XXXX. They are not listening to what she has told them. They are not listening to the fact that I have consolidated everything on XXXX with all of my current information. I do not have a problem paying my debt. What I do have a problem with is a company that is a bully to a woman who doesn't deserve it. 
I can provide you with the Navient Acct and XXXX XXXX. The account number won't let me look at the account online. I do not have an issue with paying the bill. I do have an issue with an agent threatening to sue over a payment. Especially when everything has been suspended by the government. I would like the calls to stop and for NAVIENT to update their records to reflect that this situation is handled and my aunt will no longer be getting any calls. 
NAVIENT can update its records as paid and consolidated with XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I saw an online offer by Bank of America on their website ( bankofamerica.com ) offering, for the travel rewards card, " XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days of account opening- '' Since I had another BOA credit card with their phone number, I called and asked for the promotional offer. The woman was not sure about the offer, but, I assumed that since it was advertised on the BOA website, it would appear. I called back BOA right after I completed the application on the phone to make sure that I had gotten the XXXX online bonus points and they said that they would get back to me. I just received a letter today, XX/XX/XXXXstating that I would not be granted the XXXX online bonus points since I did not fill in the application online even though I asked for the offer and called back immediately after applying to check on the offer. I was not told that the online bonus points were only if you completed the application online ... I would have, certainly, applied online, had I been made aware that the offer only applied if you did the application online!! So, I called today and spoke with XXXX XXXX at BOA. I was told that the offer was not part of my credit card and that I would not receive it. This is deceptive advertising as it was not made clear that the online bonus points would only be granted if you completed the application online. The agent told me that I should have scrolled down to the bottom of the online application to see the terms ... I do n't think that I should have been misled at the onset and, then, forced to read all the way to the fine print to realize that this offer was only for completing the application online. This violates full disclosure as it is deceptive and misleading, not adequately disclosing that the offer is not available if you applied by phone. I have attached the capture of the website promotional offer. It, still, appears today. I just scrolled down to look at the terms and there is nowhere that it is required to apply for this online!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 the credit bureas the account XXXX XXXX XXXX account # XXXX was properly investigated but is tht possible if the account 1.date opened 2.last reported date 3.date last active 4.comments from bureas TRANSUNION & XXXX ARE ALL INACCURATE.THIS IS GROUND FOR REMOVAL. 
THEY ALSO VIOLATED MY RIGHTS 15 SU.S.C. 1681 SECTION 604 A section. 2 : the law clearly states a consumer reporting agency cannt furnish a account without my written instructions. 
I have not given these agencies written permission to furnish these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  I've requested to have a freeze on my personal report. And I'm asked to submit identification. I have submitted proof of the wrong spelling of my name also fraud on my personal report by the name ( XXXX XXXX XXXX ) which is not my name. The spelling of my name is wrong associated along with the wrong addresses. I submitted my Identity Theft Affidavit from the IRS. with correct spell of my name XXXX XXXX XXXX I request that Lexis Nexis freeze my personal information and remove all inaccurate addresses associated with the wrong names as well as they are reporting this information to all three credit bureaus. If their findings are accurate please provide proof of a certified documentation.