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

Im reaching out to request your assistance in removing some information from my credit report. Im a victim of debt bondage due to human trafficking, and Ive been working with an advocacy group to get support. According to guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule, Im entitled to have this information blocked and removed. According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the necessary documentation, including a picture ID, a bill, and a letter from an advocacy group assisting me with my situation related to human trafficking and debt bondage. This falls under the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ).

I kindly request that you block the relevant information from my credit report within four business days, as specified in Section 605C of the Fair Credit Reporting Act. I have submitted all required documents, including the identification and information from the list of acceptable items, and a victim determination letter in accordance with 1022.142 ( b ) ( 6 ). 

Thank you for your attention to this matter. 

Specifically, I need the following account removed from my credit report within four business days, as outlined in Section 605C of the Fair Credit Reporting Act : XXXX XXXX BANK XXXX {$880.00} Your understanding and prompt action on this matter would mean a great deal to me. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report is inaccurately reporting the following account : XXXXXXXX XXXX Account # XXXX Nothing about this account matches any records that I have. I have disputed this account with Equifax several times in which they should have on record. The dispute clearly outlined what " verification '' means and how it should be provided. Equifax ignored all request to reasonably verify this account as requested. Each time my dispute was answered with an automated E-Oscar response, " verified as accurate '' or " updated ''. What information was being updated? Was this verified, updated and reviewed reasonably by a human representative? I then followed up with a detailed request for their method of verification in which they responded to with an automated E-Oscar response as well. This is a blatant violation of the FCRA. It is also negligent and certainly defamation of character having this inaccurate item on file and blatantly refusing to handle the dispute request as required by law.
Product: Debt collection

I XXXX XXXX date on XX/XX/22 am demanding Caine & Weiner to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft LENDCLUB BNK Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have some wrong address under my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of Equifax to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report despite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My Visa credit account with Capital One was closed in XXXX 2016 with a balance of {$9700.00} - with a minimum payment of {$98.00} due on XXXX XXXX, 2016. Because my account was closed, Capital One did n't send me any documents and I could n't pay online so I kept calling and finally I was able to get the help necessary to make this payment on XXXX XXXX, 2016. However, Capital One started a weird mechanism of calculating charges to my account - although I did n't have any purchases or cash advances since the closing of my account in XXXX. Between the end of XXXX and the first week of XXXX, they have charged me close to {$1400.00} - which they themselves acknowledge is neither interest nor purchases, as interest started accruing to my account only in XXXX - according to Capital One 's documented, recorded admission which I have as audio file. The total amount of interest charged to my account was only {$300.00}. Although I made the minimum payments required since XXXX XXXX, 2016 - {$98.00}, {$160.00}, and {$130.00} for the months of XXXX, XXXX and XXXX. But Capital One has sent a statement saying that I owe {$650.00} for the month of XXXX and they 've increased my principle from {$9700.00} in XXXX to {$9900.00} in XXXX - without any purchases during this entire period and with my total interest being charged only {$300.00}, how and where this {$1400.00} is going, The interest charged, and the amount that I 've already paid over these three months, and the {$650.00} Capital One wants me to pay, there is {$1300.00} which disappeared into thin air. This kind of criminal and fraudulent calculation of account charges, where they can not explain where the money went is not only exploitative but sucking the blood from American families - illegally and fraudulently - to keep greedy " companies '' like Capital One in luxury. Please investigate this company and start a class action suit as there are bound to be thousands of others customers like myself who are bound to have been cheated and illegally charged money which Capital One can not explain went to. At the rate Capital One is charging me, whatever it is because according to their own admission the interest has been only {$300.00}, there have been no purchases during this entire period. In a year, this money which is neither interest nor purchases or going toward principle, would be {$6800.00} in a year for a balance of {$9700.00}. This is criminal in its most utmost cruel form. If you can not shut down this company, regulate them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Equifax, XXXX, XXXX, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with Equifax 's, XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of XXXX. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. 

Best Regards, XXXX XXXX, Concerned Consumer
Product: Checking or savings account

On XX/XX/XXXX I was scammed out of {$1700.00}. The bank denied my claim saying I had previous transaction with the merchant and transaction after the scam. When I called about this issue they realize that I didnt have transactions with this merchant but they still took out the XXXX out of my account now my account is overdrawn and theyre saying I have to re-open a claim. In the meantime, my account is overdrawn XXXX because of the little bit of money I had in the account.
Product: Money transfer, virtual currency, or money service

This is the second request for a refund from Cashapp. I was fraudulently scammed out of {$2500.00} and was not reimbursed. I have contacted Cashapp several times and has never been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to each credit bureau as well as XXXX XXXX XXXX XXXX regarding a credit card balance. On XX/XX/, I sent another dispute with identity theft affidavit and proof to XXXX and each of the other credit bureaus via certified mail return receipt as well as XXXX. XXXX received the affidavit and letter and proof on XXXX XXXX XXXX XXXX signed by an employee at collection at the post office. Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to block the identity theft related account from the credit report permanently. I called and spoke with a representative on XX/XX/ regarding the FTC Identity Theft affidavit and their violation of FCRA 605B by refusing to block the account. The representative reviewed the letters and information and indicated that they will not block the account at this time, regardless of the requirement by FCRA to have blocked the account by XXXX XXXX XXXX  per the XXXX rule. At this time, the agent hung up on me. Call recorded and recording linked on uploaded document. Experian received the FTC affidavit and information on XX/XX/ and the account is required to be blocked within XXXX business days, which is XXXX
Product: Credit reporting

I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS XXXX XXXX Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all three of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report ( seen attached from my most recent credit report. ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the deletion of any erroneous accounts from my credit report. Would you mind examining the documents? A few listed accounts are inaccurate, unsettling me.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i disputed negative accounts and addresses with experian, XXXX and XXXX they have not block and remove all information associated with Identity XXXX disputed these items XX/XX/year> and they have not respected FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX are reporting that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is incorrect. On XX/XX/XXXX, {$1200.00} payment was made. XX/XX/XXXX there was {$1200.00} payment that was made and in XXXX there were payment of {$1300.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. The due date is the XXXX of every month, so these payments were not 30 days as it is being reported. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, XXXX, and Experian. The following documentation is provided from the original creditor of the payment and therefore XXXX, XXXX, and Experian credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

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

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according
to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I have opted out of NSF fees at Bank of America. The bank continues to charge fees regardless of their own policy
Product: Debt collection

I responded to a mailer from XXXX promising they would pay up to {$650.00} for a return of my cell phone business. The mailer did n't say that you had to purchase a new phone from XXXX, also it did n't say you had to purchase that phone, yearly, yipes i have a phone not a year old i ca n't work yet. so i did agree and signed an electronic agreement, BUT LESS THAN 2 HOURS LATER CHANGED MY MIND AND CALLED XXXX BACK, saying NO i do n't want this. the woman on the phone claimed that the new phone had already been mailed ( yeah right ) and all i had to do, once receiving the phone, was to return it to any XXXX store. well that was the 2nd lie because the first XXXX store i went to said NO i needed to take to a corporate store, so on to a XXXX corporate store i went, now XXXX miles from my starting point. i returned the box UNOPENED and got a receipt. the events are so : XXXX XXXX responded to the mailer, XXXX XXXX called XXXX to say i changed my mind, tried to cancel. XXXX XXXX phone delivered by XXXX, XXXX XXXX took phone to XXXX XXXX store @ XXXX XXXX XXXX, XXXX XXXX XXXX. MY RECEIPT READS MACHINE ID : XXXX, REGISTER # XXXX, served by XXXX ( initials ) also other # on receipt read XXXX, DATE : XXXX/XXXX/2016 XXXX. XXXX XXXX I received a e-mail saying i made a payment of {$39.00} ( i did not ) and that i owe {$130.00}. On XXXX XXXX XXXX disconnected my XXXX PHONE ( OR TOOK MY PHONE NUMBER FROM XXXX ) I was at work and was without a phone all that day having to go to XXXX to get my phone number back. XXXX XXXX i get a e-mail still from XXXX saying i owe {$100.00}. on XXXX XXXX i called back to the corporate store talked to 2 people last one saying HE would have to call XXXX and it would take some time to get this worked out and he would call me back ( HE NEVER DID ). on XXXX XXXX i get a e-mail saying i owe {$100.00}, on XXXX XXXX i get a e-mail saying i have a {$2.00} credit, on XXXX XXXX i now owe {$130.00}. XXXX, XXXX i receive a collection notice for {$130.00}. P L E E Z E can you stop the madness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

My debit card was stolen and a lot of unauthorized withdrawals were made. I contacted chase bank they sent me a dispute form. I completed the dispute form. A week later they denied the claim. I even sent them a copy of my airline flight tickets to prove I was in XXXX XXXX during the times my debit card was being used without my authorization. My card was stolen on XX/XX/XXXX it was used without my authorization until XX/XX/XXXX. I reported on XX/XX/XXXX that is the day I discovered the unauthorized charges when I logged on to my online account. In total XXXX was stolen from my account
Product: Money transfer, virtual currency, or money service

I use MoneyGram send {$140.00} to XXXX, inXX/XX/2019.But received didnt receive the money, I connected them. But No help. My Reference # XXXX
Product: Checking or savings account

I opened a Money Market account and a checking account with Huntington Bank in XXXX due to their advertised promotions which were very incentivizing. The promised interest rate of XXXX percent in the money market for XXXX year was NOT upheld. I caught the error. It took many calls and visits to the bank ( manger XXXX XXXX ) to get this corrected. As a way to make up for the grotesque error, Huntington ( XXXX XXXX stated they would keep that interest rate at XXXX percent until early XXXX of XXXX. Early this summer of XXXX, I noticed I was NOT earning the promised interest rate of XXXX percent. I immediately moved my money to XXXX bank because of this and I made phone calls to Huntington as well as sent an email to XXXX XXXX. I had one call with XXXX XXXX who denied stating they would keep the promised interest rate at XXXX percent and the call ended. I rec 'd XXXX phone call from a high level manager ( female ) in XXXX who stated the bank would be placing XXXX some dollars in my account for the obvious error. Nothing happened. I have since made numerous calls and even stopped by a different brance on XX/XX/XXXX where I was promised a call that day by a high level manager. When that did not happen, I phoned the toll free number of the bank on XXXX band spoke with a man named XXXX XXXX who is currently investigating again.
Product: Student loan

Complaint against PHEAA, my wages have been garnished since XXXX and my balance has never gone, sometimes it goes up and their collection fees are never paid off. They have not reduced my loan balance. I have paid over {$17000.00} and my balance has not changed, according to them I owe more now then I did XXXX years ago. I have been working for a non-profit for XXXX years but I dont qualify for student loan forgiveness because my loans are in default, the solutions they offer only takes my loan out of default and XXXX have to start over and pay for another XXXX years with + {$40000.00} debt going back on my credit report. No thank you. At this rate my wages will be attached into retirement. They are stealing my money.
Product: Vehicle loan or lease

I am a victim of identity theft, and someone obtained a copy of my driver 's license ( through changing mailing address with New Jersey XXXX ) and applied for a motorcycle loan with XXXX XXXX XXXX ( transaction happened on XXXX, location : XXXX New York, amount : {$28000.00} ). 

I was made aware of this fraudulent activity after I received a letter in the mail on XXXX. 

I then filed a police report immediately with my XXXX Police Department and FTC ID theft report on identitytheft.gov on XXXX. And subsequently filed a stolen vehicle report with New York Police Department on XXXX. 

A claim was filed with XXXX XXXX XXXX on XXXX, and denied even though the police report and the FTC ID theft report were all provided to the loaner.