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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX XXXX  as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX XXXX  as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this must be deleted immediately
Product: Money transfer, virtual currency, or money service

On XX/XX/24, I got the message via email from Bank of America that I received a wire. According to the exchange rate on XX/XX/24 of XXXX, when the wire was processed, the amount I received {$16000.00}. should have been {$17000.00}, a difference of {$510.00}. 
On XX/XX/24, I contacted the lawyer of my father 's estate in XXXX to confirm the amount of DKK that was sent directly to my Bank of America checking account, as there was an apx XXXX difference according to rate exchange on XX/XX/24, when the wire was processed. The response was XXXX was the amount sent, not XXXX XXXX. 
On XX/XX/24, I went to Bank of America on XXXX XXXX in XXXX XXXX and soke to the manager, named XXXX. He kept insisting that the difference on $ XXXX the rate exchange difference. But actually, the rate exchange on XX/XX/24 was XXXX and the exchange rate on XX/XX/24 was XXXX. XXXX said he would look into this and I should come back XX/XX/24 at XXXX. Unfortunately, I had an appointment I could not reschedule. Later, I did drop off a Foreign Currency Exchange Rate Multipliers for the week ending in XX/XX/24 issued by the U.S. Customs and Border Protection for XXXX review. 
Also, on XX/XX/24, I spoke to Bank of Americas Wire Department and was told they had no information to give me about the transfer after 46 minutes and being put on hold, I was simply disconnected. 

I have documentation from the lawyer with the XXXX XXXX Banks statement. This is a problem with Bank of America, and I am unable to get any help from them. This is inexcusable as someone should have knowledge of where this {$510.00} is but no one seems to know or want to look into the matter.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A 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

I sent a letter out on XX/XX/XXXX to Experian. Here is my tracking number : XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit card or prepaid card

I have an american express credit card which is earning rewards points everytme i use the card and it had promotion when i opened the card that if i make over {$5000.00} purchase in ninty days then i earn XXXX rewards points. I had opened the card I had met the requirements so i earned the XXXX points. I used this card for all my purchases. few months later the American express just decided to take the XXXX points out of my account and no explanation or email or letter was sent to me. One day i was trying book some flights and i realized that my points were missing so i called them but no one knew why points were taken out. after 14 phone calls they told me they have discretion or power to take any customers points out but i had not done anything wrong. I have been a long time customer and I have used their card normally and i have not misused any thing so i want my points back. I have decided to write a letter to American express CEO but someone suggested to send a letter to CFPB. I hope you can help me get my XXXX point back. 

Thank you and i i have attached the rewards screen here. 

Time Period From XX/XX/2018 to Present Time Period Activity SelectBox Download Download 1-13 of 13 Transactions First | Previous Page textpage1 of 1 Next XXXX Last perpage Date Ascending Order Category Description Points XX/XX/2018 Earned Blue Business Plus Card-XXXX XXXX XX/XX/2018 Earned Blue Business Plus Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards CardXXXX XXXX XX/XX/2018 Adjusted Point Adjustment XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX  XXXX XX/XX/2018 Earned Business Gold Rewards CardXXXX XXXX XX/XX/2018 Used PAY AT PARTNER XXXX XX/XX/2018 Earned Chrge Retn XXXX MR Pts/ {$1500.00} SP XXXX XX/XX/2018 Earned BGR $ XXXX Spend/XXXX MR pts XXXX XX/XX/2018 Earned Business Gold Rewards Card-XXXX XXXX XX/XX/2018 Earned Blue Business Plus Card-XXXX XXXX XX/XX/2018 Earned Charge Retn XXXX MR Pts XXXX 1-13 of 13 Transactions First | Previous Page textpage2 of 1 Next | Last perpageno Opening balance as of XX/XX/2018 : XXXX Earned : XXXX Used : -1 Adjusted : XXXX Points Balance as of XX/XX/2018 : XXXX
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX on XX/XX/year> requesting documentation and a copy of any contract signed by me that would support this collection. They have not responded and are in violation of the FCRA sections 609, 610 and 611 as noted below and on attachments. 609 ( a ) ( 2 ) they have not provided sources of information on the collection. 610 ( c ) They do not have trained personnel to explain the information they provided. The phone number does not have a selection to speak to a human and no option for call back. 611 ( a ) ( A ) They have not deleted the item which has no proof of validity. They respond the it was verified but have not provided any documentation or details. 611 ( a ) ( B ) They have not provided the reasons for the determination. 611 ( 2 ) Have not considered my information provided. They come back with a boilerplate response that the item was validated. 611 ( 3 ) ( A ) They are unable to validate the item, but have not removed it from my credit report. 611 ( 3 ) ( B ) ( iii ) They have not provided a description of the procedure used to determine the accuracy of the item as I requested repeatedly. 611 ( 4 ) They have not provide a description of the reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.
Product: Debt collection

I moved out of XXXX XXXX on XX/XX/2022 when my lease was up. I gave notice on XX/XX/2022 that I was not renewing the lease and I was moving out. XXXX XXXX is trying to charge for the month of XX/XX/2022. I do not owe this debt. 
They are trying to charge me XXXX for the month of XX/XX/2022 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX i have sent letters to XXXX XXXX, XXXX XXXX, and Transworld systems inc. with all the documentation to prove I do not owe this payment. But I have heard nothing in return. My lawyer also contacted them with no response.
Product: Debt collection

UPON CHECKING MY CREDIT I NOTICED A COLLECTION AGENCY REORTING THAT I OWED THEM MONEY WHICH I WAS UNAWARE. I RESERCHED THE COLLECTION AGECNY AMERICOLLECT INC ON FLORIDA OFFICE OF FINANCIAL REGULATION AND ACCORDDING TO MY FINDINGS AND FLORIDA OFFICE OF FINANCIAL REGULATIONS AMERICOLLECT INC IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT THIS ALLEGED DEBT. THEY ARE IN VIOLATION AND CAN BE FINED. ( please see attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

im unaware of all addresses dealing with north carolina. Also my social is incorrect and need those removed immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

EXPRESS COLLECTIONS IN # XXXX XX/XX/year> -- {$3200.00}
Product: Debt collection

I am unfamiliar of this debt, I was not afforded the opportunity to dispute this information. If in reality you believe you gave me the proper notification of this matter. Then please send me the certified receipt, of received mail with my name on it. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXXXXXX XXXX XXXXXXXX total card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aut
Product: Checking or savings account

Hello this is XXXX and im requesting to have my account closed and my funds mailed to me, i tried doing a XXXX  payment to a friend and the first one went through no issues and the second one completely locked my account and the bank wont unlock it so im just gon na close my account and go elsewhere. 

Awful customer support
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I reviewed my credit report and found this company listed I never received an official notice pertaining to this debt. 
I dont any contracts with this company and dont know who they are. 
I sent a dispute letter and still received no response from them. 
Just a update to my credit profile which is still inaccurate
Product: Checking or savings account

Last month, I got a letter from Capital One dated XX/XX/XXXX. The letter is 2 sentences long and it says my account was closed and " if you have any questions, please get in touch ''. There's no phone number or email address to reach anyone. I'd never received any other communication saying the account was going to be closed. 

On yesterday, I got my regular statement for XX/XX/XXXX with, as expected, a XXXX balance. This time there was a phone number on the statement. Today, Thursday XX/XX/XXXX, I called the bank to get the money that had been in the now closed account ( XXXX ). I was told that the money had been sent to the state ( XXXX  ) and I would have to contact them to get it. The bank gave me a website, which led me to the XXXX XXXX XXXX XXXX XXXX XXXX. There was no record of money from the Capital One Bank owed to me listed by the program. I called the bank back ( this was about my 7th call to the bank at this point ) and this time I was told that I would probably just need to wait for the money to show up to file a claim with the XXXX  government. 

Summary- 1. The bank never contacted me to let me know that they were going to close my account. 
2. Immediately upon closing the account, the bank immediately sent the money to the state even though one of the customer service agents that I spoke with today said normally the bank waits a " while '' to send the money to the state after they notify the customer that their account has been closed. None of the customer service reps who I spoke with today would quantify what a " while '' usually means. 
3. They have no idea when the money will be received by XXXX  government so that I can file a claim. 

Bottom line - Capital One was responsible for taking care of my XXXX and they didn't. They told me that my only recourse is to chase it down from XXXX  government. As an aside, getting money from XXXX  government takes years as my history with them has shown ... irresponsible and frustrating ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).
Product: Credit reporting, credit repair services, 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. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus last XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is not my debt. Even if it were my debt, the date of last payment according to the lender is XX/XX/XXXX. According to the FCRA and the debt collection statutes in the state of Alabama, the debt should be removed 3 years from date of last payment. The longest amount of time allowed for a lender to display an old account is 6 years from the date of the last payment and that is for mortgages only, but even using that date this item should have been removed in XXXX of XXXX. I have requested proof of the debt, proof of ownership of the debt, a signed contract or agreement between myself and the lender, any other documentation showing this debt is mine, the dates of the debt, and the lender has failed to respond at all. They have not provided any proof of ownership of debt and they have not removed the item due to the date of the last reported transaction on the account being more than 6 years ago.
Product: Debt collection

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found two accounts that are not mine. I did not open these accounts. These are two phone company accounts. One which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.
Product: Credit card or prepaid card

Sir, I will try to be brief, My wife and I applied on line for the quicksilver capital1 visa credit card, the on line advertisement stated, spend {$500.00} or more on purchases, receive {$150.00} cash back. We spent {$620.00}. When my credit card statement came, I called to redeem my cash back bonus, they told me that the rules have changed, and you were no longer entitled to the {$150.00} cash back bonus. 
To me this is consumer fraud, we were so mad, that we cancelled the card, but I still owe them the {$620.00}. 
They lied and deceived us, what can I do.
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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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.