23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

my bank account has XXXX been frozen with capital one bank since the end of XX/XX/2020. I cant get no answers from the bank and they keep telling me there back end will be in touch with me and I'm so frustrated cause it has hurt my business tremendously. The SBA gave me a loan they accepted the loan then wan na tell me its frozen and they have to make sure the money belongs to me is fraudulent on the banks behalf I feel as if the bank has stolen my money and has seriously hurt my business that i must now close if i do not receive the funds and I'm getting a bill now from capital one to repay something the bank has.not yet released to me as of today the bank still is holding my money. Capital one needs to be under investigation.
Product: Prepaid card

I am writing to file a formal complaint against XXXX XXXX XXXX, a company that issues general cash gift cards. I have experienced multiple issues with their service that have caused significant inconvenience and financial distress. My complaint revolves around the inability to use the card purchased due to repeated transaction declines, unwarranted withholding of funds, and misleading communication regarding the card 's usage criteria. 

Transaction Declines and Withholding of Funds : I purchased a gift card from XXXX XXXX XXXX  and expect to utilize it like any general cash gift card. However, XXXX XXXX XXXX  has repeatedly declined my transactions at various merchants despite these merchants being within the XXXX payment network and accepting the card. Notably, even when attempting to use the card at explicitly allowed locations ( XXXX in my case ), my transactions were still declined under the pretense of " fraud '' detection. 

Misleading Information Post-Purchase : After purchasing the gift card and only during a call with customer service, I was informed of certain criteria restricting where the card could be used, information that was not made clear at the point of sale. This lack of transparency has severely limited my ability to utilize the funds as intended. 

Customer Service and Resolution Issues : Upon contacting XXXX XXXX XXXX regarding these declines, I was informed that I would have to wait 30 days before any action could be considered. This response is unacceptable and unjust, especially since the merchant involved confirmed the fraud detection from XXXX XXXX XXXX to be false and had already released all authorization holds. 

This situation has caused me not only financial loss but also considerable stress due to the restrictions placed on my funds without a valid reason. I have made several attempts to resolve this matter directly with XXXX XXXX XXXX, to no avail. 

I request the CFPB 's assistance in investigating these practices by XXXX XXXX XXXX  and compel them to provide a just resolution, including the immediate release of my funds and compensation for the inconvenience caused. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within a short period of time stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a ihorougn investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure experian complies with federal law and provides consumers with the necessary proof of investigation. The account is XXXX XXXX XXXX XXXX
Product: Mortgage

After a divorce in XX/XX/2015, I was unable to make my mortgage payments. I am not able to sell the house due to the fact that I am upside down in the property. I contacted the bank and requested a short sale. I also had an appraisal done and hired a realtor. We had a contract for the appraised value and submitted that to the bank with my short sale application. The Bank denied me the short sale citing my credit score was too high and my gross income was too high. Now they are denying me because of a Title issue. I do not believe there is a Title isssue.
Product: Credit reporting or other personal consumer reports

i recently reviewd a copy of my credit report and noticed i had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to odtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX and there is no third party involved. I have sent out a letter to XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXXXXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXXXXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX  XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within XXXX ( XXXX ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.
Product: Debt collection

Company states that I have an account with a balance and that I need to pay the balance. 
I do not own that account with the balance, nor did I place an order or receive a package with the balance due of {$XXXX} dollars. I contacted the collector letting them know that that debt didnt belong to me but they insist its mine. They have my name and phone number that is accurate but I have never received nor have I ever purchased from way fair. It states that the collection date was opened XX/XX/year>. I submitted disputes for this collection on the XXXX website and the collector states that they have nothing on their end. The collector even admitted on a recorded line that their website doesnt work and glitches when submitting claims. Which is unfair to the consumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Accounts : ( XXXX XXXX XXXX ) XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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: Student loan

XXXX told me I needed to take out a private loan to help pay for my school and then the school closed. I am basically paying for services that I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following Reported Information, inquiries viewed by others, and by me, currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, and not my checking account or inquiries : XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, and XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

I am writing to formally dispute several accounts reported on my credit file. I have previously requested debt validation for these accounts from the following collection agencies, all of which have failed to provide sufficient verification. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts must be deleted from my credit report, as continued reporting of these unvalidated debts is inaccurate and damaging to my creditworthiness. 

In addition, my personal information has been compromised in the recent XXXX and XXXX XXXX data breaches. As a result, my sensitive dataincluding social security number, financial account details, and other personal identifiershas been exposed on the dark web. These breaches have made me vulnerable to identity theft, and I believe my information may have been fraudulently used or mishandled in connection with these collection accounts. Due to the risk of inaccurate reporting and the potential for fraudulent debt, I request that all disputed accounts be promptly removed from my credit file. 

Accounts in Dispute : LVNV Funding LLC Account Number : XXXX Balance : {$980.00} Account Number : XXXX Balance : {$2500.00} Account Number : XXXX Balance : {$740.00} Account Number : XXXX Balance : {$1200.00} Account Number : XXXX Balance : {$700.00} Account Number : XXXX Balance : {$1300.00} Legal Basis for Deletion 1. Lack of Verification Under the FCRA These accounts were disputed with each collection agency, and none of them provided valid proof of my obligation to these debts as required under the FCRA, 15 U.S.C. 1681i. According to Section 611 ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted from my credit report.

2. Compromised Personal Information Due to Recent Data Breaches As a victim of the recent XXXX and XXXX XXXX data breaches, my personal information has been exposed on the dark web. This breach has compromised my identity, and I have reason to believe that the accounts listed above may be inaccurate or the result of fraud. Exposing my credit file to potentially false and damaging information places me at further risk of financial harm. Given this background, I urge you to take this matter seriously and remove these accounts from my report under 15 U.S.C. 1681c-2, which provides consumers with rights to block fraudulent information resulting from identity theft. 

Action Requested I request that each account listed above be deleted from my credit report with XXXX, XXXX, XXXX, and XXXX. 
Please provide a written confirmation of these deletions and an updated copy of my credit report, reflecting the removal of these unverified and potentially fraudulent accounts. 
Failure to comply with this request will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. I may also pursue legal action if my rights under the FCRA continue to be violated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is against Experian Credit Bureau. They are currently reporting a dismissed chapter XXXX on my credit file, and this should not be there. I have wrote them several times regarding this matter, and they state that the information is accurate, and by law, I can only dispute the same item twice. I contacted the United States Bankruptcy court, in the division of XXXX county, in illinois where the information is from. I wrote them a letter asking them, are they the ones reporting this information to my credit file, and they stated that THEY DO-NOT FURNISH OR REPORT ANY INFORMATION TO ANY OF THE CREDIT BUREAUS. They also sent me a letter stating this as my proof, which I will include with this complaint. So, I sent this letter from the bankruptcy court to Experian, and they still refuse to delete it. when I wrote Experian, and asked them to delete this information from my credit file, they said it was accurate, and that the bankruptcy court did report this information. They are simply IGNORING THE PROOF THAT I HAVE PROVIDED TO THEM. I know that information individuals information is sold to third parties, whom in turn, takes this information and report it to your credit file.
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o Credit Limit : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o XXXX : XX/XX/XXXX o XXXX : XX/XX/XXXX o Equifax : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o XXXX : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o Equifax : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX o Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for Equifax, where there is a mix of " XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Debt collection

I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/2024 to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

XXXX XXXX XXXX XXXX This account is being disputed
Product: Credit card

I made a ACH payment of {$100000.00} to pay against my credit card with Wells Fargo. That was made on XX/XX/year>. For an unknown reason, they reversed the payment but never put it back in my checking account. They are holding on to it for 11 days. They have no explanation as to why this happened.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Unauthorized inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Regarding Data Breach and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally file a complaint regarding a data breach that has negatively impacted my credit report and financial standing. Despite my efforts to resolve these issues directly with the credit bureaus and affected financial institutions, the inaccuracies remain on my credit report, causing harm to my credit score and financial well-being. 



Despite my good faith efforts to correct these errors, they have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and the failure to remove or correct these errors is a violation of my consumer rights. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring that : The inaccurate and fraudulent items are removed from my credit report. 

The credit bureaus and affected financial institutions conduct a thorough investigation and provide documentation of their findings. 

Any additional steps are taken to prevent further harm to my financial standing. 

I have attached copies of my credit report, dispute letters, and any relevant correspondence related to this matter for your review. I appreciate your prompt attention to this issue and look forward to your assistance in resolving this matter. 

Please feel free to contact me at [ XXXX for any further information. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Accounts were opened Fraudently without me having any knowledge or giving any consent. My privacy has been violated and accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX US DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending UNIVERSITY OF XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending XXXX XXXX at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i University XXXX XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the University of XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the tenth grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.
Product: Credit card or prepaid card

Yes I have an account with NetSpend and money has been deposited in the last 3 months I've tried anything several times to access this funds and even one of the security questions to get into the fun are they count as it has been money for positive in the last 3 months and when I say no I don't get into it when I say yes I get into it there's money in my account is coming confirmed by 3 employees there however every time they put me through the automated system wanted to activate a car that I do not have I believe they are aware that that I don't have the card and think that I wasn't aware of your friends that were coming their scam scam scam scam and my phone has been compromised and I'm in the process of finding appointment to get XXXX to send over all data can you please help access this funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. I know you've received multiple complaints about them. They charge me every month, despite me never signing up for anything. You can't cancel online. They don't answer emails. The wait time for the phone is over two hours long. Absolutely unacceptable.
Product: Student loan

These people want to destroy taxes and banks My child support payments People think I'm the oregon person on credit report