23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Scam letter from intercontinental Capital Group Inc, located at XXXX XXXX XXXX XXXX XXXX, XXXX, New York, XXXX. Website XXXX. phone number in the letter which is posing as an invoice or statement and spam deceptively looking like they are servicing my current loan which has been identified as benefiting fromXX/XX/XXXX, and tells me what you need to do is to call their office before XX/XX/XXXX with the notice number in the letter and understanding XXXX enhancements, and the letter had no return address on it which is deceptive, and mentions XXXX XXXX County notice of enhancement which is attempting to look like official government business or like my current mortgage company.
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 Account name : XXXX XXXX Account name : XXXX XXXX Co has violated my rights. 

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 or other personal consumer reports

After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days. 
These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Product: Checking or savings account

I called Huntington Bank today to close my account but they refused to close it saying I must visit a branch. I do all of my banking online. It is unreasonable for Huntington to require me to appear in a branch to close a checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed my account in collections. I paid the collection and now the collection is still showing on my account.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally lodge a XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

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

I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX  Social Security Number XXXX , a resident of XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verif
y my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has a late payment of 60 days XX/XX/year> which is inaccurate since a payment can not appear at once in 60 days, it should have a late payment of 30 days XX/XX/year> and it does not, it does not show the balance of the account, the payment date and the amount paid. This inaccurate information falsely manipulates the statute of limitations. You did not investigate this account properly and your negligence has violated my rights. I demand to eliminate late payment from the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY STUDENT LOANS WERE ZEROED OUT AND PAID OFF FOUR MONTHS AGO. i HAVE SENT DOCUMENTATION TO BUREAUS YET XXXX KEEPS UPDATING AS ACCURATE.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Clarification Account Was Previously Removed on XX/XX/XXXX Despite Your Claim It Can not Be Deleted Dear [ AAFES XXXX Military Star Representative ], You previously stated that the Military Star account can not be deleted. However, I have documented proof that the account was removed from my credit report on or around XX/XX/year> following a formal dispute. This directly contradicts your current position. 

I am asking for a clear, written explanation of the following : XXXX. What specific action was taken on or before XX/XX/XXXX that caused the account to be removed from my credit file? 
XXXX. If you are now stating that the account can not be deleted, then what process, decision, or communication caused it to be deleted in XXXX? 
XXXX. Was the account deleted voluntarily by AAFES, or did the credit bureau remove it due to your failure to verify or respond within the statutory dispute window? 
4. Who authorized the reinsertion of the account without providing the required certification to the credit bureau and written notice to me within 5 business days, as mandated by FCRA 1681i ( a ) ( 5 ) ( B )?

I am providing this final opportunity for you to clarify the discrepancy and resolve this matter fairly and lawfully. If you fail to provide a full explanation and delete the reinserted account within 5 business days, I will proceed with : Filing formal complaints with the CFPB, FTC, and Virginia Attorney General, and Initiating legal action for violations of the Fair Credit Reporting Act, including statutory and punitive damages. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

For three years, I have been trying to resolve an issue wit Google Payments. I have had an account with them since at least XX/XX/2008. It appears that someone used my information to violate the terms and conditions under my identity and account, as verified by Google. Since then, they have asked me to send them information to resolve the issue. After I sent it several times, they flat out deny to assist me and choose to hold me responsible WITHOUT PROVIDING ANY INFO as to why it happened, how it happened, or who specifically did it besides blaming me. During this timeframe, I was in the process of moving to XXXX XXXX, NV where my identity theft began occurring. I have tried contacting Google several times if not dozens to resolve this issue and they simply deny to assist me or file any claims to dispute the charges, claiming that it is my account and anyone can use it without my permission and it will be considered authorized since it is under my name. That does not make any sense especially with all the fraud going on now days. They will not prove to me or provide to me who did it nor will they fix it for me. They claim they have security measures to prove it is me, but still they DO NOT show it to me or tell me, therefore, how am I supposed to believe them, fix this, or understand what is going on? Furthermore, they are very rude, deny to assist me, blame me, and tell me they can not argue with me or provide any info. During these charges that occurred, my other bank accounts and things in my name were affected, compromised, and opened/closed. Someone used my account for fraudulent things and even my bank confirmed it. However, Google does not want to assist me or take any responsibility. They want me to communicate with them by email even though my email/account with them was compromised/hacked somehow and I do not trust that way of communication, especially since we can not understand each other as well over email than over the phone and to give details. Why would I want to email a department over something urgent and not being resolved correctly?? They keep denying to assist me, will not, and flat out do not have any more info to provide me which leads me to believe that they can not truly show any proof as to it being me since it WAS NOT. I need to use Google Payments to pay for my storage for email that is critical, photo storage, products, services, movies, apps, and other services that require me to use Google Payments. I can not even add a payment method to resolve the balance even if I wanted to nor can I even add a payment method or do anything with the account, therefore, I closed it. I am very frustrated with this situation and am fed up with it. It keeps going in circles and does NOT get anywhere! UNPROFESSIONAL!!
Product: Credit card

On XXXX, the following transaction was made on my Meriwest Credit Union credit card for the amount of {$170.00} : Ref # XXXX : XXXX XXXX XXXX NY {$170.00} On XX/XX/25, I noticed the transaction was made on my account and immediately contacted Meriwest Credit Union that somebody had made this fraudulent transaction.

Initially, Meriwest reversed the transaction and credited my account, but in early XXXX, they reversed the credit on my account and charged me for the purchase, even though I had not purchased the item not received the merchandise. 

As a result, I am contacting CFPB to help correct this misunderstanding. Please see attached statement for reference. 

Thank you, XXXX
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Credit reporting or other personal consumer reports

the company did not prove that i was responsible for the account.
Product: Debt collection

I filed an earlier complaint with the CFPB on XX/XX/2024 regarding unfair debt collection processes by IQ Data International ( XXXX ). They responded to my complaint on XX/XX/2024 by saying " [ t ] he account has been marked disputed and will remain in that status until resolved. '' In fact, that is not what they did, because I just received notification that they sent this false debt to credit reporting agencies, which has tanked my credit score by nearly XXXX points. So this is another misrepresentation by the same company. Under 15 U.S. Code 1692g ( b ), if the debt is disputed, the debt collector must cease collection on it until they have sent me certain information, which I have not received.
Product: Credit card or prepaid card

Here are the items to point out for the Capital One Account ending in XXXX : The account was closed, without proper notification to the consumer, although it was in good standing with a XXXX balance. 
A violation of the consumers right under CFPB Regulation B - Section 1002.9, which states, ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. 
The letter was mailed to the consumer in an envelope with a transparent window, which displays the company logo prominently. 
A violation of the consumers rights as noted in Regulation F of the CFPB, 1006.10 ( b ) ( 2 ) states ( 4 ) Not use any language or symbol on any envelope or in the contents of any communication by mail indicating that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;..

The communication with the consumer was at a time that was inconvenient, A violation as stated in 15 U.S. Code 1692c ( a ) ( 1 ) - Communication in connection with debt collection ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 
The closed account status furnished by creditors to the credit bureaus for the above stated account negatively affected the consumers credit worthiness and reputation as reflected in all three credit reports causing credit applications to be denied. 
A violation as stated in 15 USC 1692d ( a ) ( 2 ) elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
Product: Credit card or prepaid card

I CONTACTED CAPITAL STARTED IN XXXX THEY HAVE TOLD ME THAT I WILL BE GETTING A CREDIT INCREASE AND THE END OF BILLING CYCLE WICH IS XXXX CALLED CAPITAL ONE SEVERAL TIMES OF THIS MATTER KEEP GETTING THE RUN AROUND ABOUT THE CREDIT INCREASE HAVE PAYED MY BILL ON TIME FOR CONSECETIVE 7 PAYMENTS AND EVERY TIME I TALK TO A CUSTOMER SERVICE AND MANAGER I GET THE RUN AROUND SAYING I WOULD GET THE CREDIT INCREASE IN XXXX BY MIDNIGHT ON XX/XX/XXXX CALLED THIS MORNING, NOW ITS A DIFFERENT STORY I NEED THIS MATTER FIXED PROMPTLY.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts. In my previous dispute, I also included an FTC, which I am also including in this dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts listed on my credit report. Specifically, I am challenging the validity of these accounts as I have not been provided with adequate proof of the alleged debts. 

Under the doctrine of estoppel by silence, as cited in Engelhardt v. Gravens, Mo 281 SW 715 719, the absence of supplied proof allows me to presume that no such proof of the alleged debt exists. Therefore, I contend that these accounts should be removed from my credit report. 

The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that TransUnion initiate an investigation into these accounts and provide me with written confirmation that these accounts have been removed from my credit report. If you find that these accounts are indeed valid, please provide me with all documentation that substantiates the debts. 

Please consider this letter as my formal dispute under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been going back XXXX forth for a XXXX now with the credit bureaus on accts that arent even mine. I need these accounts removed please
Product: Checking or savings account

I am a XXXX, I live in Connecticut. 
I made a cashier 's check for onXXXX {$22000.00} to pay for a new car. I had to drive to XXXX, NY in order to obtain the check at Capital One Branch, there is nothing closer to CT. Due to COVID 19 outbreak I didn't get the car, so I called Capital One in XXXX to cancel this check and get my money returned to my checking account. Nothing was done. I called every week for a month, and my money are still missing. 
I spoke several times with Capital One customer service who told me bank will not return my own money unless I drive from Connecticut to New York Capital One office to deal with it. They told me that it is up to me to do it, but money will not be returned unless I will be personally standing in NY office. They said even with COVID outbreak and lockdowns, and emergency situation those are Capital One bank rules. They said they are aware that many Capital One locations are closed.They suggest I break guidelines and recommendations during COVID pandemic in order to claim my own money. They never send me any written documentation regarding my claims and calls. I wrote directly to XXXX XXXX, CEO of Capital One, and to manager of XXXX  Branch XXXX XXXX, with a cc to complaints at Capital One, none of them bothered to respond.
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 XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report. 
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: Debt collection

ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE XXXX XXXX XXXX AND LINEBARGER, GOGGAN BLAIR & SAMPSON, LLP.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a 605B deletion request to Equifax through CFPB complaint # XXXX. This request included all necessary documentation, such as a sworn crime report, proof of identity, and proof of address, to block fraudulent information from my credit report due to identity theft. However, as of today, no action has been taken on my request, which should have been processed within XXXX business days according to FCRA Section 605B. 

On XX/XX/XXXX, I called Equifax and spoke with Supervisor Sham ( Case # XXXX ) to follow up on the status of my 605B deletion request. I was informed that the dispute was still under investigation. On XX/XX/XXXX, I called again and spoke with Supervisor XXXX ( XXXX # XXXX ), who also told me that the investigation was ongoing. I reminded him that FCRA 605B mandates no further investigation is required from creditors once a sworn identity theft affidavit and supporting documentation are submitted. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX # XXXX ), who claimed to be the highest-level authority available to discuss my case. XXXX informed me that my 605B identity theft dispute could not be blocked, and I would need to wait for 30 days for the investigation to close. I explained that, per the law, the investigation should not be necessary for a 605B deletion request, but he said there was nothing more he could do.

This raises serious concerns about the handling of my 605B request, as I believe it is being improperly treated as a standard dispute rather than an identity theft deletion request, which should have been addressed within XXXX business days. Additionally, I believe this failure to act violates FCRA Section 605B.

Furthermore, I have submitted complaints to credit reporting agencies ( CRAs ) regarding accounts that are the result of identity theft and should not be on my report. These accounts were allegedly " verified '' without any transparency regarding the sources used for verification. Under FCRA 611, I request that the CRAs provide the sources of information they relied upon in verifying these disputed accounts. If the CRAs can not produce valid sources, I demand that all contested items be removed from my credit report, as required by law.