23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXX/XX/year> Dispute DepartmentEquifax XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within 30 days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within 30 days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Credit reporting or other personal consumer reports

I called XXXX to get credit report and I noticed some inquiries that I dont know about due to law 15ufc1681b I have the right to dispute this and would like this off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had any account with XXXX. The company that I worked for was the one that had an account XXXX with them. I tried fixing this issue with them but they wouldnt listen. XXXX XXXX XXXX XXXX was the one that had an account with XXXX and not me. I need them to be removed from my account and also any negative activity from them.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX My actual and only address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I XXXX XXXX created an account online for a new checking account with Fifth Third Bank in XXXX Fl. I was told the day before I went to the branch to bring two picture IDs nothing was mentioned to about a social security card. I went to the location XXXX XXXX XXXX XXXX Fl XXXX. Phone number is XXXX. The worker that was assisting me was being rude about me mentioning the 3 ID check. I was simply telling her they said two picture ID. She said she had to call the fraud department so they could take the hold off my account and it was taking a while so I told her Id go sit in the lobby. After a while of hearing the manager call a customer about verifying their account with fraud department I decided to walk up to her to ask questions. She was so rude to me I had to ask her nicely to be quiet for a second. Because she wouldnt even let me finish what I was trying to say about the IDs and the waiting time. She brushed me off and told me to have a good day. As Im walking back to sit down I tell her that they dont deserve to be working here with the attitude they both had. She then threatens to kick me out with the police. I told her to call them and she came over to me standing up talking and I covered my ears and said Im not listening to you she asked me to get out and this was done in front of another customer. I told her I was sitting waiting for my account to be verified and Id leave she said no were not opening your account today. So so said ok no problem. I cursed her out on my way out the door she continued arguing with me a potential banker and a new customer at that. I was very angry because I had paid for a XXXX ride here and this location is not close to my home. I feel very discriminated against and am also seeking legal action. I will tell everyone I know not to bank here and she needs to be retrained on how to treat and speak to customers. I never raised my voice until she asked me to leave. Please do something about this behavior its not necessary to treat someone like that and I dont want to bank with them ever in my life.
Product: Credit reporting or other personal consumer reports

Hello I my name is XXXX XXXX, I am attaching XXXX documents to help with the removal of this account from my report as it is too old to show up.
Product: Money transfer, virtual currency, or money service

Hello, My names is XXXX XXXX. I purchased a clothing set from XXXX XXXX a figure on XXXX. I sent the money via cash app and was never sent the items I purchased. I the seller for my item where I was ignored and blocked. I contacted cash app where I sent the money, no one offered to help. I contacted my bank no offered to help. XXXX XXXX has a recorded of scamming fans on XXXX. I think her account should be XXXX.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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.
Product: Vehicle loan or lease

Have been attempting to obtain my title from Ally Finance for over one month, company claims to have mailed document and I still have not received. I have called weekly and receive no help from company, every time I call I receive a different explanation. One person says it has been mailed, another says it is sill processing.
Product: Debt collection

Several years ago, I ended my service and was asked to return the equipment to the nearest ups store. In doing so, none of the equipment registered in the system at the XXXX store and they would not take the equipment. I made several phone calls toAT & T who said they would send me a box to return the equipment. The box never arrived. After receiving another invoice I called them again for a repeat promise of a return box that never arrived. This has been going on for years now And I do not owe them any money. I am receiving debt collection letters for {$61.00} From Ic system incorporated out of XXXX XXXX Minnesota XXXX XXXX XXXX XXXX XXXX XXXX uverse out of XXXX Texas.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Late Payments on This Account to the Major Credit Bureaus Experian XXXX XXXX, XXXX XXXX Therefore It Also is Violating 15 USC 1681 a { 2 } { i ] Permissible Purposes of Consumer Reports .... " Transactions and Experiences are Excluded From Consumer Reports '' But this Account { XXXX  } is Reporting Late Payments Also This Account Has No Activity But Still is Reporting Open This Account Should Be Removed From All Bureaus Reporting This Erroneous Information ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries listed on my credit report from Santander Consumer USA on the dates of XX/XX/2021 and XX/XX/2021. None of which I have knowledge of nor did I consent to that company to check my personal and credit information. Santander Consumer USA did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. There are currently XXXX complaints stating the same so it seems as if this is a common thing for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in police report and transunion still won't remove inquires please help me. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

My student loans were handled through XXXX until I submitted the request for public student loan forgiveness for social workers in XXXX. In summer XXXX, my loans were transferred to FedLoan Servicing. At that time, they informed me that they will need a few months to sort out my number of payments from XXXX to give me an accurate number of student loan payments made toward the required XXXX. After a few months, I contacted them again and each person I spoke to did not give me any information, stating it was still under investigation. Finally after they were investigating for a year ( so in summer XXXX ) I was adamant for answers and was told it was not counting my loans from all the years prior because I was delinquent in my XXXX loans supposedly and behind on payments. Obviously I panicked because I was never behind ever so I contacted XXXX who sent me documents proving I was not behind on payments ever and I sent them to FedLoan. However, they still refuse to give me additional information, still refuse to count my years of payments toward the loan forgiveness, and overall are poor at communicating and helping. They claim that I made only 10 payments when I have made payments every month since XX/XX/XXXX, meaning at least 48 payments. They are taking advantage of people and their privilege to be the company designated for student loan forgiveness programs and Ive had enough.
Product: Credit card or prepaid card

On Wednesday, XX/XX/XXXX my wallet was stolen in it were several cards, cash, miscellaneous recipts, membership cards. The person ( S ) who stole the wallet used the Capital One card at the XXXX XXXX XXXX location aroun XXXX EST, when I called Capital One they confirmed it was used ; and the charges showed up on XX/XX/XXXX. The capital one representative I spoke to told me they would be disputing the claim and will issue a new card ( Call 1 ~15 minutes ). 

On the card there were five charges totaling {$5100.00} on XX/XX/XXXX on the card ending XXXX. Detail of the amounts below XXXX  ) {$1400.00}. XXXX 2 ) {$650.00} XXXX ) {$1300.00} XXXX ) {$1400.00} XXXX ) {$280.00} It appears the reversal was done on the card ending with XXXX it appeared on my account individually for five transaction on XX/XX/XXXX. 

On XX/XX/XXXX, the amount was reversed of {$5.00}, XXXX then another {$5100.00} appeared on XX/XX/XXXX ; so the disputed amount now {$10.00}, XXXX across 10 amounts now because it was doubled for two. I contacted Capital One ( Call 2~15 minutes ) on XX/XX/XXXX and the representative indicated they would reverse it, I saw the reversal was applied for only 9 transactions. I still had a missing amount of {$1.00}, XXXX that did not get reversed. I contacted Capital One again on XX/XX/XXXX or XXXX ( Call 3 ~30 minutes spoke to supervisor ), they indicated they would reverse it and the reversal appeared on my account on XX/XX/XXXX. I see a charge back on my account on XX/XX/XXXX. I contact Capital One on XX/XX/XXXX ( Call 4 ~1. 5 hours spoke to 4 representatives ) told them of the issue nothing was resolved, the representative said they sent it to Fraud department for investigation. Contacted Capital One latter on that evening ( Call 5 ~45 minutes ), the representative stated they see the issues and would follow up, they were a supervisor and said they see the issue. 

On XX/XX/XXXX I see the amount of {$1400.00} was removed and added back to my account. This has to be esclated upwards I have not received resolve to my issue lingering on my account. Perhaps some government intervention will help. Its been over a month, it is clear to me Capital One specialists and systems are not equipped to handle a simple issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was marked 30 days past due XX/XX/XXXX for XXXX which was in accurate I tried to speak with the agent about it and they were rude saying I owed {$250.00} XX/XX/XXXX I paid {$350.00} the full amount they can I was past due including the late fee they added because I just wanted my account corrected per the agent they would correct my account once I made a payment. XX/XX/XXXX I requested the payment he updated with the bureau they marked it another 30 days late for XX/XX/XXXX how can that be possible when make payment if I paid what they claim what past due and my payment for XXXX was dated to come out the same date I requested they update the XXXX payment this company is violating my laws and practice been reporting habits
Product: Money transfer, virtual currency, or money service

Paypal has allowed my account to be taken over and there is a cash balance due, preventing me from cancelling their service. In addition, one credit card on my PayPal account has been closed for " XXXX XXXX '' and I had to close the other due to fraud. Paypal will not allow me to remove either card. I merely used this account in my online wallet because I thought it would protect my credit cards from fraud. I never used this as a place to hold ever. There is a bill for {$19.00} due for what I don't know and the only way to clear it is with bitcoin, gift cards or cash (? ). Paypal stores so much personal information that this is very worrisome. I went through identity theft in XXXX and my identity was used to file taxes in XXXX and XXXX. I don't want to go through this again. Paypal also contained XXXX on their website and I am unable to remove this account both from Paypal and from The XXXX XXXX. The XXXX XXXX is an online consignment shop that offers to pay commissions from sales on XXXX through XXXX. What they don't tell you in the fine print is that you have to provide your personal information as well as a link to your bank account for the service. All of these companies have their processing sites offshore, which is just asking for identity theft. Paypal claims that they take privacy seriously so that must be why they never answer their phone or respond to requests for help. The XXXX XXXX has retained my bank account and refuses to remove it and the access to XXXX. I let my bank know that there was fraud on my account through them and XXXX is not allowing any further transactions from XXXX to go through.
Product: Credit card or prepaid card

he issue is causing me significant XXXX XXXX  XXXX, to the point where I'm XXXX XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Checking or savings account

Cant log into capital one app or website. Trying to pay credit card balances and see checking account to add money to it.

Ive called and did what they asked me to do.

Also need 3 credit cards with my updated name, one for each account and a debit card with my correct name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many complaints/disputes to TransUnion regarding XXXX reporting inaccurate and unfair information on my credit report. TransUnion has conducted superficial inquiries regarding this matter. I have asked repeatedly for them to conduct a reasonable investigation regarding an unfair report of a 30 day late payment-XXXX XXXX, due to the creditor 's lack of proper notification to present the payment coupon ( sent to a wrong address ) which resulted to the creditor not properly notifiing me in a timely manner. I have sent supporting evidence and attachments via mail to TransUnion. They must conduct a reasonable investigation of this mishapes and correct the error on my credit report. TransUnion contacting and accepting XXXX 's swift response without evidence of substantiated verification of the 30 day late is not the proper course of action that is acceptable per previous judicial hearings.
Product: Debt collection

Membership has been cancelled since XXXX, yet they still charged more membership fees and refused to rectify the status despite going to the business in person and being reassured it would be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, and which are all in default, should make it obvious that these accounts are not mine and never were. Please remove them