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

On XX/XX/XXXX, I applied to the Paycheck Protection Program Loan with Bank of America on the very first day it was available. I met all their criteria : current business client prior to XX/XX/XXXX ( Ive been a business client since XX/XX/XXXX ), have a current lending relationship ( I have two lending accountsa credit card and a business auto loan ), and am XXXX XXXX XXXXr with less than 500 employees. 

I uploaded all required documents to their XXXX web portal, submitted all questionnaires, and waited for nothing as the PPP funds dried up. I was very timely in my application and submitted everything that was asked. I have yet to hear a response either in email, phone call, text, mail. Nothing. Yet Bank of America was able to process wealthier bigger clients who applied later than me. And now the PPP funds are depleted and I still have yet to hear anything from BoA.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

Following accounts i demand be immediately removed. 

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

Dates from 2019 til now from same institutions over and over
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of XXXX XXXX. This is a formal letter that your claim is disputed. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, + 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the bureaus a letter back on XX/XX/2023 requesting information but they never sent me what I requested. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


1. XXXX  XXXX XXXX. & XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX XXXX & XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent. 
15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


SOUTHWEST CREDIT, ****XXXX XXXX***, XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
Product: Debt or credit management

I refused too pay, asked too cease all communication and asked to have it removed from my collections as the law 15 usc 1692 ( c ) clearly states
Product: Credit reporting or other personal consumer reports

XXXX XXXX Filed a complaint with XXXX requesting an investigation on several accounts. XXXX never sent information to prove the debt nor removed.
Product: Credit card or prepaid card

After 30 months of making on time payments, I missed 2 & they closed my account. I requested a reconsideration. The said no, kept my deposit & interest then demanded I set up a payment arrangement for interest & fees. It's not fair. I contacted Capital One & told them I was having financial issues. They said it would not be a problem. Then when I made a payment they accepted it & closed the within minutes of accepting the payment. Do being a good customer with a perfect payment history not count for anything?
Product: Payday loan, title loan, or personal loan

When I called this number, the call just dropped. When he called me yesterday, he asked some personal information. At the end, he was asking of my bank password and I refused to give it to him. He insisted then I cancelled the call. I was checking and there's no such thing connected to the capital one. I emailed and asked for the link of their business website. I have not received any response. 

Please take note of this. I have the flyer he sent to me through email. If you want I can email it to you. 

Thank you. 

XXXX XXXX Branch Manager, Capital One Finance, TOLL FREE NUMBER XXXX ( XXXX ) XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Dear XXXX, Thank you for your interest in capital one finance. We have received your application for the Loan and will review your materials thoroughly. 

We are highly pleased to inform you that your application for a loan of {$8000.00} has been approved by the us.Kindly Check the attached funds approved letter attached. 

I hereby request you to Kindly get in touch with us at XXXX ( XXXX ) XXXX to complete all the formalities so that the loan amount can be credited to your account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a TXXXX 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. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account XXXX XXXXXXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) 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.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA 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.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Credit reporting

I pay for credit monitoring through equifax and am also registered with credit karma. I have had credit issues in the past and am hyper vigilant now as I want to purchase a new home. Using these services, I was given a credit score by equifax of XXXX and credit karma reported my scores as XXXX and XXXX. BASED ON THAT INFORMATION, I applied for a mortgage loan. I received a letter about being declined from XXXX for the mortgage. The letter indicated that my equifax score was XXXX with the other XXXX being in the XXXX range. I made a hard inquiry on my credit based on the score that was given to me by the same agency that gave the mortgage company a much lower score. This inquiry will further lower my score and resulted in extreme embarrassment to me because had I known that the actual score was XXXX, I never would have applied for a mortgage. How can the agency that I pay to provide me with an accurate picture of my creditworthiness give me a score that is not used by credit lenders? Equifax provided me with the " vantage score '' rather than the " fico score ''. I feel that they are fraudulently representing their services, which resulted in an even lower credit score ( due to the inquiry ) and significant embarrassment to me.
Product: Student loan

I submitted an initial request for a refund on my paid off student loans under the cares act for payments made after XX/XX/XXXX, and the initial request did not go through. After submitting a second request through a follow up call on XX/XX/XXXX, the customer service representative quoted me an estimated 6 months or 120 business days before I would receive my refund. Other individuals and companies have quoted 30-45 days and so I believe that with the deadline of submitting for a refund request on XXXX this is not an appropriate timeline to process the refund.
Product: Debt collection

I have never had an account of any kind with XXXX. I have been a customer of XXXX for over 10years. I believe the att inquiry is a result of presumed identity after my wallet was misplaced.
Product: Debt collection

Went to check on my credit report to find two debt collections mentioned. Wrote letters to both around Winter XXXX. One of the collections removed the mark but the other does not. I keep writing them letters asking for verification or proof that this debt is mine. Called twice as well and written a total of 6 letters over a period of 6 months. Each time they send back the same letter stating the amount of XXXX is due for an emergency room I can not find online. When I called they gave me a random date in XX/XX/XXXX and said I used my Car insurance. the only time I used my car insurance was back in XXXX and that was handled by insurance as I was hit by another driver. I have written to them that a complain would be submitted if they can't provide proof that this debt is mine, so that is where I'm at.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I CONTACTED EQUIFAX REGARDING SEVERAL ACCOUNTS THAT WERE THE RESULTS OF IDENTITY THEFT. I SUBMITTED MORE THEN ENOUGH SUPPORTING DOCUMENTS TO HAVE THIS ACCOUNT NAMED. XXXX XXXX XXXX ACCOUNT NUMBER XXXX I HAVE NEVER BEEN ASSOCIATED WITH THIS ACCOUNT AND DOES NOT PERTAIN TO ME.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute about the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Product: Checking or savings account

Well every time I called about a fee they said it was correct and I never got any of my my back so I closed the accounts
Product: Credit reporting

There is a collection from XXXX on my file for {$2200.00}. This bill is not reported correctly. There where XXXX people signed to this lease with all of SSN and any addiontal information they needed to give us this place to live yet under the terms Responsabilities it states Individual which clearly is inaccurate. that would mean we should be splitting this amount XXXX ways which should be {$560.00} individually. I 'm afraid this creditor is trying to report for payment from all XXXX individuals at the amount of {$2200.00}. If we all paid that the creditor could make up to {$9100.00} dollars. This is incorrect and something needs to be done. They wo n't respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  Reported : XXXX XXXX, XXXX
Product: Checking or savings account

1. I RECEIVED A DEBIT CARD FROM CAPITAL ONE BUT DID NOT OPEN IT 2. I CALLED CAPITAL ONE AND THEY FOUND THE ACCOUNT USING MY SOCIAL SECURITY NUMBER. 
3. SOMEONE OPENED AN ACCOUNT USING MY NAME, ADDRESS, SOCIAL BUT WITH A DIFFERENT PHONE NUMBER. 
4. CAPITAL ONE CLOSED THE ACCOUNT 5. I WILL REPORT IT TO THE POLICE 6. I AM CALLING XXXX AND XXXX I EXPECT CAPITAL ONE TO SEND ME CONFIRMATION THEY HAVE CLOSED THE ACCOUNT AND THAT THEY HAVE REPORTED THE CRIME AND REPORTED THE PHONE NUMBER OF THE CRIMINAL TO LAW ENFORCEMENT AND THE CFPB BECAUSE THEY WON'T GIVE ME THE CRIMINAL 'S PHONE NUMBER PLEASE HELP CATCH THE PERSON RESPONSIBLE. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Debt collection

XXXX XXXX purchased old debt and are saying it is current debt. I submitted disputes but nothing has changed.
Product: Mortgage

This case is to be attach with My XXXX XXXX XXXX XXXX filed on XX/XX/XXXX mob # XXXX both of us is on the mortgage deed and title. 
I spoke to our lawyer he side dont need to sign any more papers. He did every thing at closing so why is well fargo threatening my husband and I to sign for package of papers about 45 pages. They are doing fraud we dont know who to trust if we have a home that we work hard for. Well FARGO EMPLOYEES discriminated against us and give us fraudulent contract to sign which need to be investigated by CFPB. I am doing a case under my name with more information Wells Fargo have to answer since my husband submitted new information about his case today XX/XX/XXXX that is why he withdrew the previous case. And when we look at what we down loaded someone at your company CFPB is removing important information and the down load proof papers he submitted is all mix up and not in order so I I putting every thing we need to address so all our questions will be answer since XXXX XXXX at Wells Fargo told us we cant withdraw our case and she was consent if I will send all the fax I sent her which I put in my husband case but it is missing when we check. Every document is numbered on my case on each paper. On a peace of paper attach. Starting with number 1-50pages Thanks