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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card opened at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal credit card opened at XXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loan opened at XXXX opened on XX/XX/XXXX with the account number XXXX, a personal auto loanopened at XXXX XXXX XXXX XX/XX/XXXX with the account number XXXX, a collections account opened at XXXX  XXXX Systemsopened on XX/XX/XXXX with the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I've attached a list of the hard Inquiries in question as well as a coov of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) and # XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 XXXX 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 XXXX XXXX  Reported : XXXX XXXX, XXXX {$8600.00} XXXX Reported : XXXX XXXX, XXXX {$20000.00} XXXX Reported : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, Experian, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted dispute through Experian online portal on XX/XX/XXXX at XXXX XXXX regarding inaccurate/ incomplete balance history for accounts listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Dept of Ed ) XXXXXXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated XX/XX/XXXX at XXXX XXXX, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I have submitted my second round of dispute letters regarding inaccuracies pertaining to late payments on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the Department of Education/XXXX accounts, additionally my name and addresses are incorrect on my report as well as my current employer ( Should say XXXX XXXX, I have submitted this information to all three credit agencies, Experian, XXXX  and XXXX they continue to publish my name spelled wrong, incorrect addresses as well as unauthorized credit inquiries and late payments. I would like them removed as they are not accurate and are having a negative impact on my score.
Product: Credit reporting or other personal consumer reports

XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT REPORT NUMBER : XXXX INCIDENT INFORMATION XXXX  XXXX FRAUD USE/POSS OF ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LOCATION TYPE THEFT TYPE METHOD OF ENTRY PT OF ENTRY ENTRY LOC REPORT FILED FROM TRACKING NUMBER LOCATION OF OCCURRENCE INCIDENT CODE INCIDENT TYPE INITIAL SUPP DATE/TIME STARTED DATE/TIME ENDED DATE/TIME REPORTED XXXX XXXX APPROVED BY : METHOD OF EXIT PT OF EXIT PERSON XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TYPE LAST NAME FIRST NAME XXXX XXXX XXXX XXXX 'S LICENSE XXXX XXXX HOME PHONE WORK PHONE RESIDENCE ADDRESSEMAIL EMPLOYER NAME BUSINESS ADDRESS SSN ETHNICITY RESIDENT EYE COLOR HAIR COLOR AGE HEIGHT WEIGHT CELL PHONE XXXX XXXX  MIDDLE NAME My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Fourteen fraudulent accounts unauthorized identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony ( Lowes card ) consistently takes an extended amount of time to apply payments. So much so that the Lowes automated system gives the option to refund a late fee without speaking to anyone. The result is I have to make a payment a full week before what my bank says will get the payment there by the due date ( a date which works for all my other bills ). It is a scam that gives them extra float. This month for example my payment was deducted from my bank account ( not sent on, cleared on ) on XX/XX/XXXX and is still not posted at synchrony on XX/XX/XXXX. The payment is due XXXX, thats how early I am paying. I have previously complained to synchrony and received a credit but that doesnt change the practice.
Product: Credit card

Wells Fargo did not provide me with earned rewards for my business credit card. The monthly statements show that the {$500.00} cash back for the XXXX XXXX XXXX was never in my account nor used. Further, Wells Fargo dismissed my complaint without providing evidence.
Product: Debt collection

This company identifies themselves as Radius Global Solutions. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.
Product: Checking or savings account

1.on XX/XX/2019 i noticed a suspicious charge on my account in the amounts of XXXX and XXXX 2. i  called XXXX to enquirer about the transaction, and discovered it originated from XXXX. 
Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/2019 Transaction Amount : - {$450.00} USD Your Transaction ID : XXXX Case Number : XXXX 3. Spoke with rep at XXXX XXXX that said they will get in contact with bank. 
*XX/XX/XXXX at XXXX XXXX  Date : XX/XX/2019 From : XXXX Customer Solutions Department To : JPMORGAN CHASE RE : NSF Fees I'm writing in response to the non-sufficient funds ( NSF ) fees that our mutual customer XXXX XXXX received as a result of an unauthorized transaction using XXXX . 

The NSF fees were charged because of one or more XXXX transactions initiated on XXXX for {$450.00} & {$38.00}. We investigated the transactions and found that they were not authorized by the account holder. 


I understand that XXXX XXXX is requesting that you waive some or all of the fees for these unauthorized transactions. This letter is to confirm that they did not authorize the transactions that caused the NSF fees. 

Sincerely, XXXX XXXX Customer Solutions Department ) 4. on XX/XX/2019 i spoke with Chase Bank Rep. XXXX in person at the bank and was told that additional charges could not be waived. 
5. on discovery that additional charges were made to my account for unauthorized transactions and despite a letter/call from XXXX to waive said charges. I made another phonecall on XX/XX/2019 and spoke with XXXX and asked again for charges to be waived. I was told no they can not,. Subsequently i notified them that i would be filing a complaint with Consumer Financial Protection Bureau, hence this complaint to your office.
Product: Credit reporting

I do n't know whose account this is so please remove this from all XXXX reports # XXXX
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX unauthorised Hard enquiries on my account which are : XXXXXXXX XXXX  on XX/XX/year> XXXXXXXX XXXX on XX/XX/year>. I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

I have mailed Capital One 's CFO XXXX XXXX XXXX, CFO 3 times in regards to Tender of payment for the bill of exchange, have not received any response.

I sent them my security.

I am disputing all past current and future certificate of indebtedness on this account.

ALSO I am writing to claim my Titles, Rights, Interest, and Equity in connection with my closed account referenced above. As the investor and holder of the security used to open this account, I am owed all interest and equity derived from the associated contract. 

Please note the following : No accounts actually close : Even though the account may be marked as closed, the security continues to trade on the private side. Therefore, I claim my equity and interest owed to me as part of this process.

I entered into this contract in good faith, providing you with my secured collateralthe application itselfwhich is tied to the account and acts as security. As such, I am entitled to equal consideration under the contract, including any interest earned. 

Full disclosure is required by law. I demand confirmation regarding the handling of the interest on this account. If no interest has been provided to me, this constitutes a serious violation of SEC Securities Law.

Per 15 USC 1615, anything over {$1.00} must be returned to the rightful owner. I provided you my security, and I expect my rightful share of the interest and equity generated by it.

Capital one is also trying to collect on a " charge off '' when a charge off is considered income per the IRS which is against FDCPA.

Violation of TILA Securities fraud.

My account was never credited Via Electronic Funds Transfer Act from the dividend payment that capital one got from the interest of my treasury coupon.
Product: Debt collection

I received an email threatening from XXXX indicating they will sue me if I do not pay for a debt I have no clue about in the amount of {$1300.00}. This company have never once notified me with validation of this debt via usps mail, and I do not know what debt they are referring to as I never heard of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On TransUnion is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On XXXX # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. XXXX  # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.
Product: Debt collection

I received a notice from Portfolio Recovery Associates , LLC about a credit card from XXXX/XXXX/XXXX. I received this notice on XXXX XXXX, XXXX. They say that they have had this since XXXX/XXXX/XXXX. they want me to pay {$2200.00} for this debit. First off it has been 15 years since debit was made. Second I do n't believe this is my debit. It has been on my credit for years and I have constantly questioned this. These people have called me on my cell phone all times of day. The last time I was called I was in the store. The lady was extremely rude and stated " Let me finish what I have to say before I listen to you. '' I then told her for the 100th time that they are harrassing me and to please leave me alone. they continue to contact me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information reported on my credit file and to express my profound dissatisfaction with how my disputes have been handled, which constitutes violations of the Fair Credit Reporting Act ( FCRA ). 

Your recent correspondence indicated that you contacted the creditor regarding my dispute but were still awaiting evidence. This delay is unacceptable and represents a clear violation of Section 607 ( b ) of the FCRA, which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in reporting information. 

I have submitted all necessary documentation, including my FTC report and police report number, yet your bureau has continued to claim that I must further substantiate my personal information. This insistence contradicts Section 611 ( a ) ( 1 ) of the FCRA, which entitles consumers to dispute inaccurate or incomplete information. Your failure to act on the provided documentation reflects a serious deficiency in your investigative process. 

In your recent reports # XXXX from XX/XX/year> states that the information is " still pending, '' which should have been communicated to me promptly. Report # XXXX, dated XX/XX/year>, also indicates that the dispute is " still pending, '' with completion projected for XX/XX/year>. Finally, Report # XXXX, dated the same day, states " here 's your results, '' yet the following line merely states " Credit items. '' This lack of clarity and the absence of meaningful results further illustrate that a thorough investigation is not taking place. All of this information was received by me on XX/XX/year>. 

Your bureaus inability to provide tangible evidence and clarity about the outcomes of these disputes demonstrates a blatant disregard for my rights under the FCRA. The incomplete nature of the investigations is indicative of negligence and raises serious concerns about your commitment to maintaining accurate reporting. 

If the inaccuracies and incomplete information are not rectified and the disputed items removed from my credit report immediately, I will have no choice but to pursue legal action for violations of the FCRA and seek damages for the harm caused by your negligence. 

I expect a prompt response and immediate action regarding this matter. Please ensure that all communications related to this dispute are documented and sent to me in writing. 

Sincerely,
Product: Credit card or prepaid card

XXXXXXXX XXXX  is engaging in unethical and deceptive fee credit practice with its ongoing monthly fees. 

I previously called Reflex over a year ago, I stated I did not realize the credit card company charged a monthly fee, ( it is not clear in the terms of agreement/its vague ) and requested the card be closed so I am not charged any fees. I was told they can not remove the fees ( monthly fee of $ XXXX ) because there was a balance. Once the balance was paid they could remove the fees. 

Now a year later, after interest is paid, and there is only a small balance of approx $ XXXX XXXX dollars, XXXX is stating they cant remove the fees and I have no choice. So XXXX has amassed over {$200.00} in extra fees while the account was closed, I paid interest and never again used the card. 

This is clearly a deceptive practice that is robbing the consumer of money. My account was closed and XXXX rightfully charged interest but ALSO a monthly maintenance fee. This is unacceptable especially after customer service stated I would be refunded once I pay off the balance due. Please feel free to have the company review the recorded customer service calls to verify these interactions. 

I am also led to believe ContinentalXXXX XXXX are aware I am a senior citizen and are eager to take advantage of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please repair the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.