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

To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed 2 hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by XXXX and one by Experian. 

The XXXX one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

Experian was showing that inquiry done by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to Experian and to myself. 

I contacted XXXX and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting Experian, XXXX, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts they are hurting my ability to obtain credit.
Product: Vehicle loan or lease

In XXXX I traded in a car to get a XXXX XXXX ( XXXX ) for XXXX. I later found out that they had me in a deal for XXXX. They later repossessed the vehicle and state I owed them XXXX and now has on my credit report claiming they are owed XXXX.
Product: Mortgage

MY HUSBAND AND I MAKE A MORTGAGE IN XXXX WITH XXXX XXXX  THEM XXXX XXXX  SOLD TO XXXX XXXX  AND XXXX XXXX  SOLD TO CHASE. IN XXXX WE PAYOFF THE LOAN WE RECEIVED ALL THE LOAN LEGIT DOCUMENTS WITH THE PROPERTY TITLE LIEN RELEASE AFTER THAT WE DONE WITH LOAN PAYMENTS IN XXXX THIS COMPANY XXXX XXXX CAME TO MY DOOR SAYING THE OWN THE PROPERTY THEY WANT ME TO SING A DEEP AND LIEU BUT I NEVER SING AFTER COUPLE MONTHS BACK AND FORWARD WITH THIS COMPANY THEY SOLD OR TRANSFER THE SUPPOST LOAN TO XXXX XXXX XXXX I WENT TO COURT EXPLAIN AND EXPLAIN AND SHOW ALL MY DOCUMENTS LEGIT AND WE FIND OUT THE THIS LOAN THEY PRESENT IS NOT THE LOAN NUMBER I HAVE AND I PAYOFF SINCE XXXX I BEEN TRYING TO FIGHT THIS SITUATION IN COURT BUT NOBODY BE ABLE TO UNDERSTAND OR HELP ME TO FIND OUT WHAT'S HAPPENED, EVEN THE SIGNATURE ON THIS SUPPOSED LOAN NOT EVEN MATCH THE WAY I BEEN SING AND NOW MY HOUSE IS SET TO BE SALE ON FORECLOSURE ON XX/XX/XXXX AT XXXX PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I put in a dispute to my VISA Chase card when I did not receive the service I paid for from XXXX. The credit card said that they allowed the merchant to be paid without providing the service because the merchant provided an fake email from another person in my family, who is not allowed to use the card, stating that I no longer wanted to dispute the charge. If I didnt want to dispute the charge I would have contact the bank, not the merchant. Technically, The credit card allowed someone not on my account to cancell the dispute. Although no one in my house did. I asked to see the proof of this statement and they ignore my requests. I wrote to the Chase executive office, and the Dispute Department of several occassions with no answer. I requested to see the document they claim ended the dispute. My complaints are this : 1. No one should have access or any say regarding my accounts except the people on the account. I provided a signed statement from the person they claim told the merchant that I didnt want to pursue the dispute, stating that he did not such thing. THE DIRECTION TO CANCELL A DISPUTE I PUT IN SHOULD COME FROM THE CARDHOLDERS TO THE CARD, NO TO THE MERCHANT. I SHOULD HAVE BEEN CONTACTED TO ASK THAT THAT DOCUMENT WAS TRUE AND LEGITIMATELY FROM ME. The dispute department is in XXXX and so is the merchant. This is illegal. This has been going on for months now. I just keep sending the same things to then as second and third requests for an answer. Pls help I received no service for the {$400.00} charged. That should be proof enough.
Product: Student loan

Granted, my credit profile may not have been eligible to carry my Sallie Mae loan independently, however, my co-signer has an impeccable credit rating and I was turned down. 
This needs to be investigated.
Product: Credit card

I got a brand new Citi card in the mail and when I tried to connect it to my XXXX XXXX my account was flagged for fraud and could not verify my phone number even though its the same phone number I was calling from. They unlocked my account and told me to wait XXXX weeks for my letter in the mail Without any explanation as to why I couldnt use new card
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act XXXX  Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Capital One Bank has shared my information with XXXX XXXX XXXX without my permission. 

I never gave XXXX XXXX XXXX permission to share my information with any banks but my bank which is capital one. According to an email and text message my information has been shared with other banks. 

XXXX XXXX XXXX has been sending me email and text share with me that they banks need more information from me to process a loan with other banks beside captail one. 

XXXX XXXX XXXX has been making false statement regarding banks and my information. 

Are only going through the motions as stated in the email to share my information with various employee and banks without my permission due to my XXXX. 

They haven't reach out to capital one bank which reference me to them regarding my car loan with capital one bank. 

Employee are saving my information for there on benefit and personal used. As stated in the email to go through the motions. 

No one from XXXX XXXX XXXX reach out to capital one bank but has shared my information with everyone and with other banks.
Product: Money transfer, virtual currency, or money service

I made a purchase on Gemini for a crypto asset using my bank account as the payment source. I've done this for years. But this time the ACH transfer didn't go through because my bank account was temporarily on hold pending the confirmation of my address since we moved. Everything was fixed immediately with my bank but Gemini froze my account as they had the returned ACH from my bank. 

That made sense to me so I contacted support to unfreeze. I sent in several documents they requested and then I never heard from them again even after emailing many times. Account remains closed. Worst case they also liquidated some of my assets because of a negative balance, which I couldn't fix since they froze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated  XXXX  2016  to be deleted from my file.
Product: Debt collection

XX/XX/XXXX, is the relevant date when this matter began when I first called to terminate my service. See the chronology attached below. 

XXXX XXXX XXXX erroneously continued to charge my account beyond the date service was to be terminated as well as assessing charges for equipment, which was all returned via UPS as instructed. I have spoken to their customer service several time and have ample notes and documentation of those calls extending over they past year and a half. I have also responded to I.C. System on several occasions disputing this balance of {$150.00}. 

I wrote to both XXXX  ( successor to XXXX XXXX ) and I. C. System with full documentation and chronology of this debacle and demanding that this entry to my credit reports be removed. That communication was sent Certified Mail on XX/XX/XXXX. I have attached a copy of that correspondence below. 

XX/XX/XXXX I received a notice that I.C. System had removed the credit reporting entry, stating that they had, " been unable to verify the information and therefore had requested that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. '' That response further stated that " the debt will not be re-reported to the credit reporting agencies by I.C. System, Inc. '' XX/XX/XXXX I received a notice from I.C. System stating that " XXXX provided the attached information, verifying your responsibility for payment. '' The attachment was a copy of two statement pages from XX/XX/XXXX. However, if you review the attachment, there is no reference to the amount they claim of {$150.00}. This is clearly a cursory gesture by XXXX to justify this error so that I.C. System to continue their illegal collection attempts. Surely, I.C. Systems can not be exonerated from actually reviewing the documents to see that they actually do " prove '' the debt. Which this certainly does not. The consumer and debt collection statutes clearly charge such companies to exercise due diligence in validating the amounts they are attempting to pursue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a long time card holder of Capital One ( Last four ending XXXX ). On my credit report there is a 30 Day Late Payment for Capital One. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to Capital One in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both XXXX and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with Capital One has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have XXXX and XXXX updated to remove the 30 day late.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX XXXX and XXXX XXXX breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Capital One for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809, which pertains to the validation of debts. 
Details of the Complaint 1. Debt Collector Information : Name of Debt Collector : Capital One Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX. Account Information : Account Numbers : XXXX, XXXX, XXXX Original Creditor : Capital One Date of Initial Contact : XX/XX/year> XXXX. Violation of FDCPA : On XX/XX/year>, I sent a written request to Capital One asking for validation of the debt, as permitted under Section 809 ( b ) of the FDCPA. I requested that they provide proof of the debt and cease all collection activities until verification was provided. 
Despite my request, Capital One did not provide the requested validation of the debt. They continued their collection efforts without furnishing any evidence proving that I owe the debt or that they have the right to collect it. 
4. Supporting Documentation : Remarks on credit report : Requested Action : I respectfully request that you investigate this matter and take appropriate action against Capital One for their failure to comply with the FDCPA. Additionally, I would appreciate assistance in ensuring that this issue is resolved and that this illegal account is removed from credit report and no longer causing catastrophic adverse actions. 
Thank you for your prompt attention to this matter. Please contact me if you require any additional information. 
Sincerely, XXXX XXXX
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. 

Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX. XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 seven 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: Credit card or prepaid card

Someone using Bank of America Credit Card Services signed up for E-Statements using my Email address instead of theirs. 

I contacted Bank of America by phone and email several times to alert them to the obvious privacy issues. The instead treated me like a criminal and no corrective actions were taken. 

I am still receiving someone else 's E-Statements. There is no unsubscribe link. 

If someone was getting my E-Statements they alerted my bank to this blatant issue, I would hope that my bank would try to correct this.
Product: Credit card

I received a fake letter from Capitol One saying someone tried to open a card under my name. When I called they tried to get all my personal information. They were a very sophisticated scam.
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 XXXXXXXX XXXX XXXXXXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across XXXX, XXXX, and Experian, with Dates of XX/XX/XXXX, for Experian, XX/XX/XXXX, for XXXX, and XX/XX/XXXX, for XXXX. A notable incongruity is evident in the representation of my payment history. XXXX indicates 8 instances of 90-day late payments, while Experian reports only XXXX, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with Experian reflecting XXXX XXXX and XXXX documenting XXXX XXXX. Furthermore, specific entries in XX/XX/XXXX, differ, as Experian reports a collection charge, whereas XXXX records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report. 


15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 


15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.