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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 


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

On Thursday XX/XX/XXXX, I flew to XXXX for a short vacation. Upon arriving, I proceeded to connect my phone to the local Wi-Fi to inform my family about my arrival. Thats when I started receiving notifications about a credit inquiry from Capital One bank. I also received a notification that my credit score was changed because of this inquiry. 
I immediately logged into my XXXX account and activated a security block on my credit. I also contacted Capital One bank to inform them of the fraudulent inquiry that was made on my behalf.
Product: Checking or savings account

I sent a {$270.00} payment to XXXX XXXX XXXX from my checking account at Mountain America Credit Union via Bill-Pay XXXX XXXX XXXX. The {$270.00} was withdrawn from my checking account on XXXX. The bill was due by XXXX XXXX. I was notified via email from XXXX on XX/XX/XXXX that they hadn't received the payment and there is now a $ {$55.00} penalty. I brought them a copy of my bank statement showing the withdwaral to no avail. They said they never received the payment. I called MACU and explained the details to their agent ; XXXX XXXX XXXX. He said the bill-pay is handled through a third party and he couldn't do anything to have the 3rd party investigate. He finally told me the name of the 3rd party ; XXXX XXXX. As this company only deals with businesses i couldn't get in touch with anyone there. XXXX XXXX said he coud stop payment on the check, however if he did that XXXX XXXX XXXX would still charge me a 20 % penalty as they claim they weren't paid by XXXX XXXX. As MACU provides Bill=Pay for their customers they should be held accountable for any occurrences!
Product: Credit card or prepaid card

My wife and I attended a XXXX timeshare presentation in XXXX XXXX on XX/XX/21. What we were told orally was completely different from the contract that was emailed to us. In addition, XXXX XXXX XXXX opened 3 credit accounts in my name without my authorization or permission. We never discussed opening credit accounts. We canceled the timeshare contract within the rescission period. 
Comenity Capital Bank ( CCB ), one of the credit account providers, received our written requests to close the credit accounts that got opened fraudulently by XXXX through certified mail on XX/XX/21. CCB called me after receiving the mail to ask me to activate my credit account. I hang up the phone right away and 2 hours later I got notification that Comenity bank reported that to credit bureaus that I opened an account with CCB. We are seeking help to close the credit accounts without hurting our scores.
Product: Money transfer, virtual currency, or money service

Hello this is a feature of my American Express Serve debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by XXXX multiple times, a feature of the Serve  XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the Serve  limits described on the serve.com website, and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with American Express Serve and attempted the Cash Pickup feature many times in multiple browsers and devices. I attempted to do a bank transfer from my Serve account with XXXX, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my Serve account, and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from XXXX or Serve  customer service.
Product: Credit card

I have a PayPal Credit card that I did n't " knowingly '' apply for. I thought I was making a donation to XXXX and paying for it with a credit card that I use for everything. Later I received a billing statement from PayPal. I called to get an understanding about the bill and " credit card '' and learned that I had actually opened the account. This struck me as odd and deceptive. When reading an article on the internet today, I decided to report this.
Product: Debt collection

I write in an effort to request dispute, suppression, block and removal of all fraudulent accounts on my credit report. I just found out that someone used my personal and financial information without my permission to buy things with credit cards, get new credit cards in my name, obtain auto loans and other kinds of loans. The identity thieves have used my name, address and Social Security number to open fraudulent accounts. 
Following my awareness of the fraudulent accounts, I completed an identity theft report. The identity theft report is attached hereto. Specifically, the referenced accounts are fraud and the results of me being a victim of identity theft. Thus, it should be blocked from appearing on my credit report. 
Please take notice that my credit report shows erroneous information as for as names, addresses, phone numbers and employers are concerned. 

The fraudulent accounts are as follows : 1 ) XXXX  XXXX XXXX  / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX  / {$300.00} 8 ) XXXX XXXX XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} For the foregoing reasons, this is a request to remove, suppress, block or dispute these unauthorized accounts inquires quickly. 

Again, I did not originate these debts. Also, I did not approve for any of this information to be furnished.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to remove any incorrect accounts from my credit report. Could you inspect the documents? Some of the listed accounts contain inaccuracies in the reporting, amounts, and dates.
Product: Checking or savings account

On XX/XX/XXXX I tried depositing my paycheks at the CapitalOne Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  but was told I needed to furnish a government issued ID card which to my knowledge is illegal in the State of XXXX XXXX
Product: Debt collection

i 'm working with a debt settlement company XXXX, inc. but Discover calls XXXX my work phone XXXX XXXX -XXXX times a day everyday.i have told them i 'm working to settle my debts with them. but they keep calling.
Product: Credit reporting or other personal consumer reports

THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/2XXXX XXXX
Product: Debt collection

Debt collection from toll violations. That was not made by me nor do I owe these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy rights are continuously being violated per 15 U.S. Code 6802. I did not provide any expressed consent to the following companies to furnish information onto my consumer report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Also, the following financial institutions are in violation of my rights, being that they did not clearly and conspicuously provide me with the option to opt of consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was not given a choice whatsoever. No consent is identity theft! On four occasions, I have contacted the three major credit reporting agencies XXXX, Equifax, and XXXX, via certified mail, informing them of these matters and nothing was done as a result. These agencies do not seem to not have any respect for my privacy, as it states they are to have under 15 U.S. Code 1681. I have no indication that any fair and equitable procedures or investigations took place as a result of my dispute requests. None of the remarks or comments for the disputed accounts stated that they were in dispute, nor did I receive any notifications or alerts informing me of a dispute. I also requested that I be sent a copy of my consumer report upon completion of said investigations, which I was never mailed any. Lastly, I also informed the reporting agencies of several instances of incorrect data. I took my precious time to highlight, annotate, and remark my tri-bureau consumer reports so that they could have an easier time investigating. Nothing has changed on my reports. Myself, as well as the credit reporting agencies, are able to see the same exact proof of inaccuracies, yet they have done nothing about it. There are also discrepancies regarding payment history for a couple of accounts that I do not wish to have removed, but to have corrected instead from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Debt collection

Keep getting a call for a person that is not me ( XXXX XXXX XXXX. Says they are a debt collection agency and waiting to collect and the address provided is not even mine. 

Would like to stop getting these calls as they call everyday. I do not owe any debt collection agency nor do I know a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and unverifiable information reported on my credit file by [ Insert Name of Credit Reporting Agency or Furnisher ]. Despite my efforts to dispute these inaccuracies, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ).

Specifically : Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of consumer reports. However, several items in my credit report are inaccurate and do not meet this standard.

Failure to Investigate Disputed Information : As outlined in 15 U.S.C. 1681i ( a ) ( 5 ), the credit reporting agency has not properly investigated the items I disputed. If information can not be verified or is found to be inaccurate, it must be promptly corrected or removed, which has not occurred.

Violation of Furnisher Obligations : Under 15 U.S.C. 623 ( b ) ( 1 ), furnishers are required to investigate disputes and validate the accuracy of the information they provide. The furnisher has either failed to validate or did not respond adequately, yet the disputed information remains on my report. 

Additionally, I am a victim of XXXX XXXX  and identity theft, which has contributed to these inaccuracies. The persistence of this information on my credit file is causing significant harm to my financial standing and well-being. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take action to enforce compliance with federal laws. I also seek the immediate removal of the inaccurate and unverifiable items listed in my disputes. 

The following account is not mine : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )
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. 

Account Name : XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1681c ( a ) ( 4 ) 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 more than seven years.

15 USC 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: Student loan

I have a loan with NAVIENT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and NAVIENT with no successful resolution. XXXX, XXXX, and XXXX are reporting me late. There was definitely an error on their part. I was never late from XX/XX/XXXX-XX/XX/XXXX.
Product: Credit card or prepaid card

Last XXXX XXXX, 2020, XXXX removed me, my wife and my daughter from the boarding area of a flight from XXXX, XXXX, to XXXX, XXXX, because we were American citizens. At the time, Donald Trump and XXXX were in a dispute over whether citizens could fly back and forth, and XXXX became nervous they might be punished if they flew us to XXXX. After we checked into the flight we had paid for, XXXX called us back from the gate, gave us our luggage back ( we still have the tickets ) and sent us home ( we bought tickets on XXXX XXXX and flew the next morning instead ). 

XXXX appears to be struggling. Their website offers no human interactions, and their complaint forms don't include options that describe our circumstances. I complained using their forms but wrote in the details of what they did to us. They did not offer us a reimbursement or a voucher. They rejected my complaint. My complaint was that they removed us from a flight for being Americans. I filled out the airline complaint forms twice. They rejected me twice. 

Next, I appealed to the credit card that I used to purchase the tickets. The credit card, Capital One Visa, accepted my complaint for a reimbursement. However, they mailed me a reply asking for more information. They mailed the reply to my address in the United States ; however, I live during the year in XXXX, XXXX, where I am an international teacher, and I never received the mailed request from the credit card. 

I recently called Capital One to find out about the status of my complaint, and the agent on the phone told me that my complaint was now closed because too much time had passed. Also, the agent told me that XXXX claimed that my family and I missed our flight, and it is our fault. XXXX is lying. We did not miss our flight. We arrived to the airport on time, and they checked our luggage and issued us tickets on flight XXXX XXXX XXXX, XXXX to XXXX XXXX, seats 1A, 1B and 1C. There were no published prohibitions against Americans flying to XXXX, and indeed, we flew to XXXX the next morning. However, due to concerns at XXXX, XXXX would not let us board the flight ; they forced us to check back into XXXX, collect our luggage and go home. 

Despite sending Capital One Visa photos of our documents, including the full tickets we received ( which have our luggage tags on them ), Capital One chose to believe XXXXXXXX XXXX assertion that we simply missed our flight. 

Capital One Visa refused to reimburse us the {$280.00} that we paid to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is playing games with my report. 

I have wrong information as address showing incorrect phone numbers. 

My credit score has drop for some reason and I have not being late or purchase anything. 

Stop acting like you don't no my address or my real name. 

You update my car payment and credit cards and mortgage each month so why must we play these games.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. XXXX just added " OK '' for every month until present date to the XXXX account closed since XXXX Original date of age off was XXXX in XXXX now age off date is XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.
Product: Mortgage

Victory Mortgage Bank, XXXX XXXX XXXX, XXXX XXXX, and the developer, XXXX XXXX all colluded to control mortgage rates, home prices, and complaints about the development of the neighborhoods to limit the buyers ability to raise issues. I have complained about our HOA and the financial standing, which led me to uncover their larger apparent scheme. In addition to the group mentioned above XXXX XXXX was also a former director and XXXX  of XXXX XXXX XXXX company that is a subsidiary of XXXX and XXXX XXXX XXXX, for whom invest in XXXX XXXX XXXX. It seems to me that they don't have enough distance in the mortgage creation and investment process of XXXX, as a consumer would want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in bankruptcy for 10 years. My bankruptcy ended in XXXX, it is XXXX and Equifax is still showing that I have a bankruptcy on my file. The other credit bureaus updated my file once I got out of bankruptcy. I have been denied credit twice because of this erroneous information. I informed them that they were violating the Fair Credit Reporting Act and that they should correct this information. I called on XXXX XXXX, XXXX, they assured me I did not have a bankruptcy on my credit file. I went on line on myequifax.com and it was showing that I had a bankruptcy. I called back on XXXX XXXX and was told they were referring my file to IT to update the information. I checked on XX/XX/XXXX, the erroneous information is still showing. They continue to assure me there is no bankruptcy so they sent me a copy of my credit report on XX/XX/XXXX and it is showing a bankruptcy. 
It should not take 2 years to update there information, when the other two credit bureaus have done it already. I faxed them documentation where I was denied credit and that the wrong Info was still showing, I also sent documentation by certified mail and they still have not corrected my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, SYNCB/AMAZON, on XXXX XXXX, 2020, SYNCB/XXXX  and on XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

On XX/XX/2023 I was charge {$76.00} at XXXX XXXX XXXX. I contacted Capital one and informed them that I did not place that charge on the card. They refunded the money to my account after I disputed the charge. Today, I received a letter from them stating that the charge was resubmitted to my account because they did not received requested information. I have not information to summit to them. I did not use this card to make a reservation and I did not present this card to the merchant. It may be that they have this card on file from previous stay.
Product: Money transfer, virtual currency, or money service

To whom it may concern : I have been dealing with the authorities with a cyberstalking incident which I believe might have to do with identity theft. I live at XXXX at XXXX in XXXX XXXX Florida. I believe that our property manager at our property management company benchmark property Management is stealing check numbers from our monthly dues which are multiple checks due to other fees. Her name is XXXX XXXX. I'm starting to believe she has been stalking me and my family and that she is a liability to this community and possibly somehow using illegal surveillance to infiltrate people 's homes and bank accounts. 

due to my lawyer 's recommendation I was on the board of directors a couple of years ago and I resigned before there was any real liability because I do not trust the board or this property management company that they switch to. It is called benchmark property Management on XXXX XXXX XXXX XXXX FL. the association 's address is XXXX XXXX XXXX XXXX XXXX Florida my address is XXXX XXXX XXXX apartment XXXX XXXX XXXX XXXX bank is PNC I have notified them about the possible fraud I just wanted to let you know in case anyone else who lives in my community as having an issue. 

Thanks XXXX XXXX XXXX. XXXX XXXX XXXX XXXX