23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Around the week of XX/XX/2019 thru XX/XX/2019, my account was hacked. Some fraudulent activities were spotted which caused concern with the security team. Unbeknownst to me, my account was blocked off, and actions were taken by the banking institution to further stop the fraudulent activity on the account. No one contacted me on the matter. I was trying to retrieve funds the week after when I noticed that the account was blocked. I immediately called said banking institution, CAPITAL ONE 360, concerned asking for details on my blocked account. Several questions were asked to confirm my identity. Everything was confirmed, then they explained the matter. I wasnt aware of what was going on, or what was done. They then flipped the script and tried to blame me for the security risk. They victimized me and played the blame game. I then asked for my banking relationship to be terminated, which they happily agreed to. I asked to have all incoming deposits made to the account blocked off while they still investigate, which they agreed to since I get my direct deposit to this account. CAPITAL ONE 360 is still allowing my funds to go into the hacked account. My employer cant stop any deposits into the account until they can confirm with the bank. CAPITAL ONE 360 is now refusing to give me access to the account, withdraw my funds and wont allow me to transfer my money out of the account. No one is answering my calls, the security team wont get back to me on the matter. My money doesnt even show up on records when I try to log in. Something very fishy is going on, and Im highly concerned. My money is being taken and held by the bank. No one is responding to my calls, the customer service line doesnt know where my funds are located or being held. Im in dire need of help with this matter.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXXXXXX XXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XX/XX/XXXX2023 in regards to a late payment that has been reported on my credit report in XXXX of 2022. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit card or prepaid card

Dear CFPB, This complaint is for Barclays XXXX Credit Card ( Application ID XXXX ). 

I have more than 700 credit score and I have other multiple credits cards with XXXX  XXXX XXXX and XXXX. 

However, Barclays is repeatedly denying my application. 

After talking to them, they said I do not have a cell phone, so they can not accept my application. 

I have provided them my SSN, my full credit check and my address. 

They are asking me to mail them paper copies of my Driver License, SSN card, Utility bill and bank statements. 

I am afraid, this is unfair. What if my papers are used for identity theft. What if my papers are lost. 

I am perfect credit score. All other banks have easily accepted my application. Why is Barclays being so unfair in approving my application?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint regarding this account XXXX XXXX XXXX, Account # XXXX XXXX to XXXX, Transunion & XXXX since I have already received a response from XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022, in response to my Dispute letter to Validate the alleged debt I owe to them. They confirmed that they had already closed the file and terminated the collection action to an account stated above.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX  FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXXXXXX XXXX HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX  REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

XXXXXXXX XXXX Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX XXXX XXXX  Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX XXXXXXXX XXXX Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error I Recently checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The DEPT OF EDXXXX 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the DEPT OF EDXXXX 's on a statement. 

As i know the creditor did not notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

The account was paid as agreed and closed. There were not late payments, nor was I notified of payments being late 21 days prior to the account being placed in collection. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for ( State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX Balance Owed : {$360.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Debt collection

We switched phone companies, and after switching we paid off what I thought was everything. There was still a balance left on the account and then I got a collection. I moved so I was not receiving anything in the mail from them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Hello, I have few hard inquiries on my credit file which I did not authorize and I believe those are fraudulent and I have contacted the Equifax credit bureau and sent all supporting documents. The below are the XXXX hard inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have sent FTC report twice with all supporting documents but still they are not helping to remove the unauthorized hard inquiries. 

Kindly help me to remove the hard inquiries.
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 XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$7600.00} XXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XXXX XXXX XXXX I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days. After a month the bank did not returned my funds, and a followup the the bank provided XXXX information on my balances or refund status. Additionally, the bank did not allow me online access to see that balance in my account balances are accurate and current. 

I filed a CFPB complaint on XX/XX/XXXX ( Case XXXX ) that requested the bank provide the following : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. Please note, banks are not allowed to withhold balance information from their clients. 

Truist responded to this by re-sending me the original closure letter stating the account was under review on XX/XX/XXXX. In the months to follow I periodically called their customer service line, however no additional information was provided. 

It has now been 9 months since the accounts were closed and 7 months since Truist 's response. No further information nor access to my accounts or account balances or statements has been given. 

I have spoken to legal counsel who informed me that Truist has been in violation of numerous federal regulations in the handling of this - from not providing me account information, to incorrect handling of ACH returns, to their communications not meeting regulator requirements. He recommended I take legal action, however I do not wish to go down that road. I simply want my money in my account returned to me immediately. 

This serves for all 6 checking accounts closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my earlier request for an investigation into the errors on my credit report, which I first submitted in XX/XX/XXXXXXXX  To date, I have not received any response from your office, and the inaccurate information is still present on my report, negatively impacting my credit. This lack of action is both troubling and unacceptable. 

For your reference, these are the accounts that I am referring to : XXXX XXXX XXXX XXXX : {$11000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$540.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX Please remove all of the inaccurate accounts listed above. 

I respectfully urge EXPERIAN to resolve this matter without further delay. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes within 30 days of receiving a formal request. However, it has now been more than [ number of days since the initial request ] days, and I have yet to receive any resolution, confirmation of an investigation, or an update on this issue. The ongoing presence of this incorrect information has significantly harmed my creditworthiness, leading to credit denials, higher interest rates, and emotional distress. This prolonged delay raises serious concerns about the reliability and efficiency of the process.
Product: Credit reporting or other personal consumer reports

I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to any of the bureaus. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 know any such items of information. However, such information shall not include specific factual information on a consumers 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.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. states, I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 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 card or prepaid card

My account was closed by the creditor during financial hardship and the account went on collection. I had sent out a letter requesting the form1099-C when the company charged off the debt with the IRS. By law the company is required to provide this form for all debts over {$600.00}. I never received this document. 

The company had sent me settlements but due to the negative report on my credit. I requested that i want to pay the debt and wanted to get the negative report removed because it is hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.0XXXX XXXXr XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting

Disputed XXXX XXXX XXXX ( XXXX ), previously. Received letter from Experian, stating account information has been " updated ''. No changes were made to account, except for " processing date ''. Also, in letter, XXXX other accounts were mentioned, to which I did not dispute in my complaint. XXXX, being a " paid never late '' account, XXXX. The other, being XXXX XXXX XXXX. I checked my previous complaint, and nowhere in the body of my complaint, are they mentioned. Also, I am hereby requesting method used to verify account information. I received a letter from Experian, but not companies mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX knew not to allow XXXX XXXX access to my credit report this month. I had a credit file lock, police report on file documenting ID theft, and a credit alert, ANd a credit lock at all XXXX agencies. Only XXXX ( TransUnion ) fraudulently allowed XXXX XXXX to access my report without my permission. The other XXXX agencies even hinted at this in my alert. TransUnion failed to alert me and block their access, while the other XXXX blocked it and alerted me about what TransUnion allowed. 
I called them and asked them to dispute it because they allowed fraud to take place. They hung up on me 3 times before claiming they finally disputed it. XXXX XXXX men picked up each time.
Product: Debt collection

This is a written demand to XXXX XXXX who acts president of TD Group US Holdings and ceo XXXX XXXX XXXX. I am invoking my right of rescission pursuant 15 usc 1635 on any contract and account. I was not disclosed certain information about my interest in my own account, negotiating instruments, an my privacy was violated. I rescind all signatures, endorsements, and consents of the use of my information. I expect all money be returned by check pursuant 15 usc 1635. I also demand the cancelation of any contract, account, and security interest with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. Upon reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.