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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possiblXXXX XXXX XXXX XXXX XXXX XXXX GAXXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$7900.00} Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX account number # XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that 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 reporting or other personal consumer reports

I am writing to request documentation and a detailed explanation of the procedures used by Transunion. Experian, & Equifax to verify the accuracy of specific information contained in my credit report. 

XXXX. XXXX XXXX Account # : XXXX Under the Fair Credit Reporting Act ( FCRA ), Transunion . Experian, & Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports ( 15 U.S.C. 1681e ( b ) ). 

Additionally, when a consumer disputes the accuracy or completeness of information, Transunion. Experian, & Equifax is obligated to reinvestigate the disputed information ( 15 U.S.C. 1681i ).

I have recently disputed information reported on my credit file that I believe is inaccurate or incomplete.

Specifically, I request that Transunion. Experian, & Equifax disclose : 1. The specific procedures and verification methods used to ensure the accuracy of the disputed information.

2. Whether an independent investigation was conducted or whether Transunion. Experian, & Equifax relied solely on information provided by the data furnisher.

3. Any documentation or records relating to steps taken to verify this information. 
In support of this request, I would like to cite the following relevant case law : Cushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court determined that credit reporting agencies must conduct independent investigations into disputed information rather than relying exclusively on information from the original creditor. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This ruling highlighted the need for credit reporting agencies to take reasonable steps to verify disputed information instead of relying solely on creditor-provided data. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court emphasized the importance of demonstrating that reasonable procedures are in place to verify report accuracy and that documentation of these verification procedures may be required in the event of a dispute. 
In accordance with Section 1681g ( a ) ( 1 ) of the FCRA, which entitles consumers to obtain information regarding the sources of credit report information, I respectfully request Transunion. Experian, & Equifax provide a written response detailing your verification methods and documentation related to my dispute. Please send this information to the address above or, if possible, to my email address listed above.

If Transunion. Experian, & Equifax fails to provide this information, I will consider escalating the matter to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal representation to ensure my rights under the FCRA are protected. 

Thank you for your attention to this matter. I look forward to receiving your response within 30 days of the date of this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX card services to pay off my balance in full. I spoke with a supervisor name " XXXX ''. After I paid it off I was told my credit would be updated on XX/XX/XXXX. However I'm in the process of building a home and needed it updated for my lender. I called an request a pay off letter which I did receive from XXXX card. However I still needed my FICO updated. I did a dispute with all 3 bureaus to report it was paid in full. The problem is, XXXX card reported back to the dispute by reporting inaccurate information to XXXX, knowing my account was paid in full they reported I still owed over {$1700.00}. They then reported to Trans union that my account was in fact paid off. I then called XXXX on XX/XX/XXXX and spoke to the same Supervisor " XXXX ''. I asked him why did they report inaccurate info to XXXX but accurate info to Trans union? He said he was not sure and would reach out to the XXXX XXXX for help and get back with me. Few days later on XX/XX/XXXX my Trans union report was changed again by them but this time it was reported that my account was not paid off and still had a balance of over {$1700.00} which is in accurate and opposite of their original report of paid off. This inaccurate report dropped my score XXXX points. I called back to XXXX on the XXXX and spoke to a supervisor named " XXXX '', not sure if I spelled that correctly. She had no clue why that happened or what to do other than notated my account for the XXXX XXXX. Her ext is XXXX. She also reminded me that they report to the bureau 's on the XXXX which would have been fine had they not continuously reported inaccurate info to them several times. They should have just not reported anything instead of false information. As for XXXX, my dispute for XXXX was in fact updated accurately and states paid off. But they claim they don't report until the XXXX... I contacted Trans union which was no help. The rep named " XXXX '' on XX/XX/XXXX told me they can only take what info XXXX gives then. So they also allowed them to report inaccurate information even after I stated I had a pay off letter from 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 have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights by reporting an inaccurate late payment. This was also during the COVID19 pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied and was approved for a Capital One credit card, up front fee I believe was {$95.00}. then I would get a {$200.00} credit limit. For nearly 18 months I have paid on time. 
There is a term which Capital One states if you make 5 monthly on time payments your will get a credit increase. I tried several times in XXXX to request a credit increase but was denied. I called Capital one and advised them of my attempts they stated I will not get a credit increase on this card. 
XX/XX/XXXX I made a formal complaint with Capital One and was correspondence with XXXX/XXXX   from their executive offices. I showed him examples of their own promotion and statements that if made 5 monthly payments on time will get credit increase on the exact same card I have. He advised me to send via a secure link through my email, I did. I called to confirm receipt, he states he never received the information through the secure link, I advised him I sent it over 2-3 times. He still insisted he never received the proof. Earlier in our conversation he states that offer is only given to " random '' people, the system picks those people, I will just have to " wait and see if the system picks me. '' After sending the proof of Capital One statement - make 5 monthly payments and get increase, I call him and he states he never received information. I asked to resend or email he stated, No he did no want me to resend. 

I sent in their offer showing their claims, they denied it even though it was in black and white. 
I offered to resend, they refused to accept my correspondences showing proof they made this claim.
Product: Credit card or prepaid card

There is interest added to my balance for interest charges. It is preventing myself for paying off the balance.
Product: Debt collection

As I the federal protected consumer, I entered a consumer credit transaction that was paid for with my open-credit plan which is my social security card, which used for household and personal use which is under the administration of the United States Corporation. They are responsible and liable for that's why the alleged debt shows in the positive of XXXX and XXXX. If it was in the negative it would show as XXXX and XXXX but it doesn't that's false belief in a natural person owing a debt when in fact it was a consumer credit transaction. They are furnishing deceptive forms in this corporation and need to be legally accountable for their actions. I demanding the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and the Truth and Lending Act or else I will pursue federal litigation if needing re-enforcements on the facts of Federal Law.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit report. 
XXXX XXXX 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: Checking or savings account

I am a construction worker and on XX/XX/XXXX, I scheduled a XXXX machine order from XXXX. On the following day, the XXXX, an amount of {$1100.00} was withdrawn from my checkings account that I have with Chase. I was able to see the transaction on my bank statement. That same day, the XXXX, I no longer needed the XXXX and called the company to cancel my order. The company said okay and that I would receive my refund in XXXX days. The money has yet been refunded to my account ; I called the company on XX/XX/XXXX asking about the issue and the man on the phone told me that they had released the funds already and that I would have to talk with my bank if I had not yet received the money. On XX/XX/XXXX, I called my bank and explained my situation to a woman on the phone. However, the woman told me that she did not see any transaction from XXXX in the amount of {$1100.00}. The charge also did not show up on my bank statement anymore and so, the woman told me she could not help me with anything.
Product: Vehicle loan or lease

I have a car repossession on my credit file in which I have not a license. The company Exeter Financing has reached out to me to interest me in purchasing a vehicle using them as my financing company. I need this deleted from my credit report an according to 15 U.S. code 1681b ( a ) ( 2 ) I am entitled to get this deleted and with all the harassment I receive I have obtained counsel to sue for damages. Please remove this ASAP
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Jefferson Capital System for failing to provide validation of a debt that they claim I owe. I requested verification of this debt on XX/XX/2024, but despite my request, I have not received the necessary documentation to substantiate the debt.

Here are the details of the dispute : Debt Collector Information : Agency Name : Jefferson Capital System Contact Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Debt Information : Debt Amount : {$500.00} Original Creditor : Jefferson Capital System Account Number : XXXX My Request for Debt Validation:XXXX On XX/XX/2024, I sent a debt validation request to Jefferson Capital System , asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ).

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Jefferson Capital System has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it.

Actions Taken : I have attempted to resolve this matter directly with Jefferson Capital System, but their failure to respond appropriately has left me with no choice but to escalate the issue.

I respectfully request that the CFPB intervene in this matter to ensure that Jefferson Capital System complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt.

I am willing to provide any additional information or documentation needed to assist with your investigation.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Yesterday, XX/XX/XXXX, my son told me a friend of his sent him funds through Cash App. It is an app he is familiar with and uses all the time. He could not get the funds off the app this time and asked me to help. I couldn't figure it out so he looked up the number for Cash App and called it XXXX and spoke to XXXX XXXX. First, he was quite rude and it was hard to hear. But had us download another app that would help remove the funds to our bank account. I felt as though I was setting up something so I went along with it until I noticed the app was recording my screen so he saw my log in and password to my bank app. Now, my son still does not have his {$200.00} and another {$210.00} is coming out of my account from Cash app to a person I don't even know. I did not authorize this and there is no way to stop the transaction. I never use Cash app and my son does not have access to my account. He also does not know the person who the {$210.00} is going to. I tried calling the same number today, several times, now it says it is disconnected. There is no one to talk to at Cash app. I am filing a fraud claim with my bank, but this Cash App is definitely not a legit company.
Product: Credit card or prepaid card

Both companies had charges that I did not authorize nor I was in the stores making in person purchases. 

1. Bank of America {$450.00} in purchases that I did not approve. ( Child support government account ) Bank of America came back with a conclusion that I did indeed make the purchases and refused to refund me the money without further investigation.

2. XXXX XXXX Credit Card {$150.00} worth of purchases in XXXX XXXX not authorized by me. Compliant was made to the credit card company who is now looking into it and will write back in 15 days with their investigation outcome.
Product: Vehicle loan or lease

On XX/XX/XXXX, made {$9900.00} payment on auto loan. Company improperly processed payment, unauthorized changes made : payment date modified to XX/XX/XXXX, autopay deactivated without notice. Original balance {$19000.00} reduced to {$9600.00}. 

Multiple resolution attempts failed through company representatives. On XX/XX/XXXX, supervisor confirmed payment processing errors, acknowledged system inconsistencies, unable to explain discrepancies in statements and payment application. 

Company incorrectly reported XXXX delinquency, resulting in credit score drop from XXXX to XXXX. Impact includes {$15000.00} interest rate increases, {$12000.00} insurance premium hikes, {$20000.00} lost opportunities. 

Audio recordings and system documentation preserved showing unauthorized changes and supervisor admissions of failures. Multiple regulatory agencies notified of systematic operational failures. Company executives contacted XX/XX/XXXX, no resolution provided. 
Mailed full Complaint package to Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX via USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern While checking my most recent credit report I noticed credit inquiries that I did not authorize made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX & XXXX. XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX & XXXX. XXXX, 2022
Product: Checking or savings account

Bank of America makes it impossible to close an account. There's no method of doing so online, and when I try to call in and say I want to close my account it puts me on hold indefinitely ( it's been just about a full hour listening to the same annoying marketing message on fast repeat ). They obviously have the means to hire as much call center staff as they seem appropriate, so to me it seems like they're intentionally keeping staff on non-revenue generating actions like account closure slim on purpose. If they want to maximize their profits and refuse to hire more staff, they should at least let us close our accounts via the website. Wasting time having to go into a branch and wait in line there is not a reasonable thing to force us to do in XXXX  when everything can be done online.