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

Transunion, XXXX  and XXXX are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, XXXX  and Transunion to do this. Why do you think XXXX had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you XXXX
Product: Credit card

I keep getting email saying I have used x amount of my balance. Yet when I contacted the copy with my earlier complaint they say I do not have an account. See attached email dated XX/XX/24.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute Equifaxs failure to conduct a reasonable reinvestigation of my previously submitted dispute, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Despite my request for verification of inaccurate information on my credit report, your response was inadequate and did not comply with federal law.

According to the FCRA, when a consumer disputes the accuracy of an item on their credit report, the credit reporting agency is required to conduct a reasonable reinvestigation. However, based on the outcome of my dispute, it is clear that Equifax failed to meet this standard. Specifically : Lack of Proper Verification The disputed information was allegedly " verified, '' yet Equifax did not provide any substantive documentation or explanation as to how this determination was made.

Failure to Consider Supporting Evidence I submitted supporting documentation proving that the disputed item is inaccurate, but Equifax disregarded this evidence without valid justification.

Continued Reporting of Inaccurate Information Despite my dispute, the inaccurate information remains on my credit report, causing ongoing harm to my creditworthiness.

In light of these violations, I demand that Equifax immediately : Conduct a proper and reasonable reinvestigation of the disputed item ( s ) in compliance with 15 U.S.C. 1681i ( a ). 
Provide a detailed explanation of how the disputed information was verified, including the sources and methods used. 
Delete or correct the inaccurate information if it can not be fully substantiated. 
Provide me with an updated copy of my credit report reflecting any corrections. 
Failure to comply with these obligations constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. If this matter is not properly resolved, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action.

Please respond in writing within the 30-day period required by law. You may send your response to the address listed above.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit on XX/XX/year>. Capital One has cited technical difficulties with a third party which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld. This issues is affecting my daily living. Capital One sent an email on the evening of XX/XX/year> stating the issue would be resolved by the morning of XX/XX/year>. The issue has yet to be resolved as I write this complaint on XX/XX/year> XXXX. Capital One 's customer service line has outrageous hold times or the line has been disconnected leaving me with no way to contact Capital One. As of XX/XX/year> has yet to issue a comment or contact me regarding my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and did not receive a response from the credit bureaus within 30 days. By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. 



Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX - XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX  INQUIRTY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXXXXXX , COXXXX , XXXX XXXX XXXX XXXX XXXX , CO XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.
Product: Debt collection

I paid my homeowners insurance policy since XXXX till the present. Shellpoint and previous loan servers, tacked on humongous fees of homeowners policies. I demand a Complete audit of all homeowner policies that shell point and previous loan servers paid, after I paid for and kept my own homeowners policy active since XXXX to the present.
Product: Debt collection

Have talked to a representative about the account that Portfolio Recovery is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX XX/XX/XXXX - Portfolio Recovery - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). My personal information was compromised as a result of a recent data breach, leading to unauthorized accounts and inquiries being reported under my name.

I respectfully request that you block and permanently delete the following accounts from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the following inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Experian sent me a letter refusing to conduct an investigation of errors on my credit report because they said the letter was suspicious. I am attaching a copy of the letter I sent them to this e-mail, and there is n't anything suspicious about it. I even included copies of my 2014 XXXX and drivers license to verify my identity. They gave me an e-mail address to go to so that I could verify my investigation request XXXX. After entering in my information, they told me I had to mail in my request. Well, obviously, I 've already done that. They also gave me a phone number to call : XXXX. I called it, but I ca n't get out of the automated system and speak with a real person unless I buy something from them. The investigations are supposed to be for free.
Product: Debt collection

This statement pertains to what has been deemed Fraud in the Factum by default. Vance & Huffman, LLC/XXXX XXXX XXXX XXXX Account Number : XXXX, Address ID # XXXX received an affidavit via certified mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX in which Vance & Huffman has refused to rebut. I specifically requested a True Bill in Commerce for proof of an amount in which I allegedly owe.I have NEVER contracted services with Vance & Huffman specifically. I advised XXXX XXXX XXXX that extending of credit is not a loan as credit is not legal tender and thus nothing of value was ever exchanged. Vance & Huffman was also advised that unauthorized selling of any promissory note I may have signed under duress with the intent to profit from said asset without my knowledge is theft and Fraudulent Concealment. I also alluded to the fact that not all material facts were disclosed to me at the creation of the alleged original debt. As of the date of this filing, Vance & Huffman has not rebutted the initial affidavit and XXXX, XXXX and XXXX have also refused to acknowledge this Fraudulent account. I filed an identity theft report via the Federal Trade Commission FTC report Number : XXXX on XX/XX/XXXX and no response has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 2 collection agencies. I was told my credit report would be updated by Equifax. I filed a complaint with the XXXX  XXXX XXXX on XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and XXXX. My credit report remains the same..
Product: Credit card

Navy federal closed my acct without notification also won't tell me why they closed acct they recieved payments between XXXX and XX/XX/2023 and violated there own terms and conditions I believe it XXXX no payment they can close acct but they recieved payments and money out of my checking acct between the time they said they mailed letters out funny thing is I have letters from XXXX non of them state closing of my credit card account this is a breach of contract breach of agreement also bad business practices they also held my check that was being cashed for XXXX dollars for 10 days and took XXXX I also made arrangements to pay this account before the closing of account they automatically took money out of my checking account regardless of amount a payment was made and account is caught up in good standing once they recieved money by law they can not deny me credit or prevent me from accessing my credit
Product: Credit reporting or other personal consumer reports

**NOTICE : SERVICE OF PROCESS / LAST OPPORTUNITY TO CURE** On XX/XX/year>, EQUIFAX wrongfully and intentionally denied my Regulation V request to block adverse information resulting from XX/XX/XXXX, alleging that I did not provide qualifying victim determination documentation confirming that I am a victim ofXX/XX/XXXX This allegation is false, as the required documentation was submitted both as an attachment to the initial CFPB complaint and via XXXX XXXX through XXXX XXXX Mail. EQUIFAX is avoiding providing written confirmation that they are in fact rejecting the certification I provided, but instead falsely claiming that it was never provided. This appears to be a insurrectionist attempt to circumvent Regulation V, which strictly prohibits EQUIFAX and other CRAs from validating victims ' determination documentation as well as a deliberate display of discrimination against authorized XXXX 's. EQUIFAX, is engaging in deceptive and unfair business practices, which has led to the filing of a claim in XXXX XXXX XXXX for damages caused by it's willful noncompliance. This is EQUIFAX 'S final opportunity to comply with the law amicably. Failure to do so will result in the continuation of legal action and the public disclosure of these wrongful practices.
Product: Checking or savings account

I saw a property for rent on the internet, so I wrote and put my email so that they could give me information. Then they texted me, saying they were writing to me about the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They asked me how many people we were, etc. They told me the amount of the rent and the requirements. We make an appointment to view the property. On Saturday, XX/XX/XXXX of this year, I went to the property, the supposed owner called me, told me that they would send me a code to open the door of the house, and the same thing happened, they opened the house through a smart application! We saw the house my brother, my husband and I, only! And the supposed owner was always on the phone. He told me that in order to take the house off the market and set it aside for me, he had to give the refundable security deposit which was the same amount as the rent! So I sent it to XXXX and then {$75.00} more for each person to apply for those who would live on the property! Ok, so it was {$1400.00} plus {$300.00}. Then he asked me to pay the first month 's rent in advance! But I began to doubt, and then I did not make that payment! The person insisted, he called me, he sent me messages and I told him that for me to be safe, that we should see each other so that I know that it is not a scam, then he sent me the supposed identification that was the driver 's license, I investigated it on XXXX but really I'm not sure it's that person! XXXX spoke with an accent like a person who doesn't speak English well! And he told me that he would talk to his lawyer, today he called me a different number saying that it was his lawyer! I said that I want my money that I have family to support that I need my money and the person blocked my calls, he told me that ok he would pay me and still nothing! This is the number through which I have been called and written XXXX ( XXXX ) XXXX and this is the supposed lawyer XXXX ( XXXX ) XXXX This is the supposed Homeowner and property manager XXXX XXXX XXXX XXXXXXXX. and this is the email where I made the XXXX : XXXX and this email sent me the alleged rent approval letter XXXX And the name of the supposed homeowner is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Navient account first date of delinquency is more than 7 years old the account has been closed and the account is reporting beyond the credit furnishing statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXXXXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. the Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.
Product: Credit reporting or other personal consumer reports

Ally Financial XXXX XXXX XXXX, XXXX XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Your company is in violation of the FCRA and XXXX Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XX/XX/XXXX, XX/XX/XXXX, XXXX  and XXXX. The dates you claim Im late shows up in XXXX without a date } you reported transactions from account XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX  compliance!

Provide me with the XXXX  compliance disclosure on reporting transactions to a consumer reporting agency. 
I need the transactions reported on XXXX   and XXXX  Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( 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. 
I need the above transactions deleted from my consumer reports! 
Best regards, XXXX XXXX
Product: Debt collection

They have been calling me 4-5x a day from several numbers with the same area code. I picked up the phone which they are calling on my cell and started screaming at them and they hung up. They never leave messages or what debt is owed. My bankruptcy has been dismissed. The only way I found out who they were was I was sick of them calling and they said their company name on the recording because they were closed. You cant get any info off of XXXX with their 1000 phone numbers. So it is a company called National Credit Adjusters. I have blocked their numbers but they still keep calling
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 {$3300.00}. 
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 XXXX  XXXX, 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 F

RCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.