23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Account from XXXX  XXXX, Account # XXXX in the amount of {$510.00}, is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted Experian by mail with all required documents such as Proof of identity, Proof of XXXX, A police report, an FTC report, and a copy of section 605b, on XX/XX/2024 ensuring they will remove this fraudulent account. They failed to Comply to the FCRA laws which has caused me significant harm. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, a copy of section 605B [ 15 U.S.C. 1681c-2 ].
Product: Debt collection

I reported these accounts with documentation and verifying that I did not have right to these accounts nor did I open these accounts in my name and I still didnt get these accounts resolved or deleted off my credit report
Product: Checking or savings account

Capital One placed a stop payment in error on a close out check sent on XX/XX/XXXX, received on XX/XX/XXXX. Their reason for error is stated as " expectations not set correctly '' or similar thereof. A second check was sent on XX/XX/XXXX, the day I left for vacation. It was intercepted by a XXXX XXXX, my signature forged and cashed fraudulently. As the stop payment is an error on end of Capital One and thus replacement check sent out, Capital One is responsible for loss. Unfortunately, they will not admit so and claims the person, XXXX XXXX, lives at my address when she in fact does not. The funds were not received by myself, Capital One owes me the amount of check, XXXX. Further, the signature on check is not mine, Capital One is aware of this as they have my signature on file as reference. I previously requested the physical address to mail small claim and notice of suit to Capital One as well as name and number of their legal counsel, A XXXX XXXX took well over a month to reply and did not provide requested information. She responded with a web address to go to and left her contact number when she does not accept calls, return messages or calls. A total of seven ( 7 ) messages left thus far, none returned. I need physical mailing address to send notice of small claim suit to as well as name and number of their legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax several times as well as sent over documentation to prove that I was a victim of identity theft. Equifax has failed to report data correctly on my report. Ive sent the same information to XXXX and XXXX and they verified the accounts on my report as fraudulent. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

I was two payments behind for a loan with Wells Fargo in 2016 I asked to let me lower a payment and continue to keep the vehicle, they later refused and reposed my vehicle, then sold it to a private sale and for two years said I owed them XXXX on my taxes.
Product: Credit reporting or other personal consumer reports

Bait switch advertising, I send all docs they request for a business loan, after they check XXXX  XXXX score, and send bank statements as they request, showing a good credit XXXX, bank showing making plenty to pay any loan amount and still denied for a credit on the basis of no XXXX score e en showing a copy from XXXX my scoremis what I said is it.
Product: Credit card or prepaid card

I applied for a chase freedom card and it was denied. I'm wondering what I need to do to get accepted. If my credit card score is too low how can I fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I owed {$160.00} for purchases I recently made. I called and paid the balance of {$160.00} in full with the representative who said her name XXXX. I used my XXXX card, paid and received confirmation from XXXX the amount paid. A week later I received notification my payment was due? I called and spoke was a XXXX, she said I owed {$160.00}. I gave her my confirmation number that it was paid in full. After she kept saying it was owed, I asked for the last 4 digits of my card used. She gave me XXXX??? My last number is not that on my XXXX  card, nor any of my cards. MY CONFIRMATION number given when I paid was XXXX. Then alleging I would always get a confirmation when a card declined???? Not true, when a decline happens a card will not go through and there will be no confirmation given, due to decline. She went back several months and said no this is the last 4 digits of the card you used and it declined. She then allege I had previously paid with the same card ending in XXXX. She then said she would send me a dispute form to complete. 
This week I received a letter where they were closing my paid off XXXX account for not using my card? 
I also received a letter reducing my XXXX account to {$200.00} and my credit score was XXXX. NOT TRUE. 
I have the letter they sent me and a recent document showing my account and a XXXXXXXX XXXX and my past credit line and my new credit line after my payoff. I owe nothing on either account and was never late. Please help me, these people are scamming its customers.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five credit cards open with XXXXXXXX XXXX, listed below. These five credit cards have not reported since XX/XX/2022. I have paid down balances entirely on all of them except the XXXX XXXX XXXX where I have paid the balance down about {$400.00}. This is not reporting on my credit and when I submit a dispute, I am only allowed to submit one at a time. I still have no reply from the company. This is accounting for thousands of dollars on my credit report- and I have closed the XXXX account and it its still reporting as open and carrying a balance. I can't seem to reach this company and have had no reassurance that this issue will be solved any time soon. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted chase freedom in XXXX XXXX XX/XX/XXXX to get some protection on an account that I was in good standings with and learned it was closed XX/XX/XXXX. I informed them i had paid my account and the bank had sent my money elsewhere instead of paying the bills i normally pay. They never told me my account was closed. Sunday XX/XX/XXXX i called the company to see if they would remove the late fees and to see if i could settle this close account since they were falsely reporting information on my credit report. I was told i cant be removed out of a program they offered to help people affected by global pandemic. I trusted them and they bamboozled me. I am not paying a partial payment agreement. This wording is misleading, hurtful, and and a form of racism ... i want to be removed from the program. If you cant help me dont hurt me.i was on the phone with chase for about 2 hours on XX/XX/XXXX. One of the Represenitive misinformed me to make a payment to bring my account current.. i informed it is current she continued to nicely badger me making it appear that they will remove me ..i explained i will make a payment and i may pay more but i want to be removed first. She asked me if XXXX XXXX is the bank i use ... i said yes so she could move me to the next person to help me out of this faulty product ... I was told i signed it i am stuck.. i signed this product under the duress of covid. This is a closed account and adding misleading info on top of a closed account just causes harm.
Product: Credit reporting or other personal consumer reports

Dear Experian, I did try so many times to explain this account ( XXXX creditor, account ending : XXXX ) has unappropriated information and need to be delete on my Credit Report account to the law Fair Credit Reporting Act section 623.

I would like to request these information again : 1 ) when was opened, 2 ) The limit of balance was approved, 3 ) The history of the payments and Bank account was using to pay, 4 ) the last time of the payment, and 5 ) the balance of that account after the last payment was made. If you can not provide me all documents request above please delete immediately that account in my credit report. 
Thank you. 
Best, XXXX XXXX XXXX
Product: Debt collection

FIA Card Services, N. A. has placed a Civil Action Lien number XXXX, along with XXXX XXXX, XXXX XXXX A XXXX Civil action number XXXX, including XXXX XXXX, XXXX Civil action number XXXX and Civil action number XXXX against my residential property, impeding on my ability to refinance and utilize equity to foster business in the interests of my family in approximately the past 10 years. 

Their illegal action against my only property for a debt that I do not owe has continued to impose a very stringent hardship on me and family and these liens must be removed from my property with deliberate speed. 

Thank you! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX NA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I filed a dispute with XXXX about a debt from XXXX XXXX on my credit report and the debt remains.
Product: Checking or savings account

On XX/XX/2018 my account was closed due to fraud when I spoke to someone about it at the company. I was told it was going to be cleared up it never was
Product: Credit reporting or other personal consumer reports

Furnishing and Reporting Inaccurate Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delinquency First Reported : XXXX XXXX  Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) XXXX ) Date of Last Payment REPORTED as of XX/XX/XXXX - Furnishing and Reporting Inaccurate Information. XXXX is showing that XXXX reported a " XXXX XXXX '' in XX/XX/XXXX. Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


XXXX XXXX XXXX : NATIONAL CREDIT ADJUSTERS ( XXXX XXXX XXXX XXXX XXXX XXXX Furnishing and Reporting Inaccurate Information XXXX ) Reporting to XXXX that the account first opened XX/XX/XXXX and that the date of first delinquency was XX/XX/XXXX. These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off XXXX XXXX : Remove account and negative remarks from my account immediately.
Product: Debt collection

The collection company continues to call me demanding payment. Even after being told to stop contacting me the calls continue. I have reported this to the CFPB and the company agreed to cease and desist they havent. I have requested that the collection agency provide both a debt validation letter reporting the accuracy of the alleged debts. Which I know to be incorrect as I received federal aid for the short time I was at XXXX XXXX XXXX. The amount sent to collections was as shown dismissed due to the COVID outbreak of XXXX. I do not owe the alleged debts. I also requested a verification of legal right to collect the debt from this collection agency to which I have never received.
Product: Checking or savings account

I have a checking account with Citibank in which I have had my direct deposit linked to since XXXX of XXXX, and use on a regular basis. On XX/XX/XXXX I deposited a check issued by the IRS in the amount of {$3700.00} using the mobile check deposit feature on my Citibank account. A few days later, I tried to log into my account and it was locked. I called the number on the back of my card and after verifying my account, they transferred me to the fraud department where the agent stated that my account was being closed and that I could no longer use my debit card or access it. When I asked why, she said she could not tell me why and that in the account holder 's policy, states that they have the right to close my account at any time without a reason necessary. I asked when I will get the funds that I have in the account she said in 60 days they will close my account and I might be able to get a check after that for my funds but that it's up to them if they give me my money or not. I asked to speak with a supervisor and she refused. After a few days of panic, I was able to obtain a number for the Citi Executive Response Unit and reached out to them. They responded quickly but have yet to find a resolution. They asked me to supply copies of my tax document in case it helps. I did that but still can't get an answer. My utilities have given me warnings, I am a single mother of XXXX of my children XXXX and I can't even feed them at this point. My vehicle will be repossessed in a matter of days, I don't have access to my paycheck because I went to that account. I am scared and at a loss of what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602A states i have the right to privacy 15 U.S.C 1681 section 602A section 2. it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts.