23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a persistent issue I have been facing with Capital One regarding a dispute that has yet to be resolved. I believe that my concerns have not been adequately addressed, and I am seeking your assistance in resolving this matter. 
On XX/XX/year>, I initiated a dispute with Capital One regarding XXXX purchase of the Amount of {$300.00}. To support my case, I submitted additional documentation and supporting letters on XX/XX/year>. Despite my efforts to provide comprehensive information and expedite the resolution process, I regret to inform you that as of today, XX/XX/year>, my dispute remains unresolved. 
During my latest communication with Capital One on XX/XX/year>, I spoke with a dispute manager who informed me that the dispute is now considered out of the time frame for resolution. This has left me greatly concerned and frustrated, as I have diligently followed the procedures outlined by Capital One and have consistently provided the necessary documentation in a timely manner. 
I am seeking your intervention in this matter, as it is evident that Capital One has not addressed my concerns appropriately. The lack of resolution and the dismissal of my dispute due to a purported time frame issue are unacceptable, and I believe this merits your attention. 
Enclosed with this letter, you will find copies of all relevant documentation, including the initial dispute submission, supporting letters, and any correspondence exchanged with Capital One. I trust that this information will assist you in comprehending the gravity of the situation. 
I kindly request the Consumer Financial Protection Bureau 's intervention to ensure a fair and timely resolution to my dispute with Capital One. Your assistance in this matter is highly appreciated, and I am hopeful that, with your involvement, we can bring this matter to a satisfactory conclusion. 
Thank you for your attention to this matter, and I look forward to a prompt and favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX continue to report inaccurate dates and refuse to comply with 15 usc 1681b. They are reporting transactions between me and XXXX as late when 15 U.S. Code 1681a ( 2 ) ( a ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S. Code 1666b timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also XXXX, XXXX, Equifax is reporting different dates on all three consumer reports which is inaccurate reporting. The privacy Act of 1974 states I am within my rights to request your company to correct or amend my records. 5 USC 522a states that no source agency may disclose any record which is contained in a system of records to a recipient agency or no federal agency for a matching program if such source agency has no reason to believe that the requirements to subsection ( p ) or any matching agreement ( o ) or both, are not being met by such recipient agency. My intentions are to seek damages not limited to {$1000.00} per violation according to 15 USC 1681n willful negligence. I am requesting due to your reporting being inaccurate this for this account to be reported as current paid in full never late. I am requesting all inquiries and promotional inquiries to be deleted from my consumer report. I am requesting all comments be deleted from my consumer report. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I'm looking to get compensated because I missed out on a job because these guys but I also attached the proof of saying that I was affected by what they did
Product: Credit reporting, credit repair services, or other personal consumer reports

How long does it take to get results after a dispute is file?. I am aware it supposed to be 30days well we are now way pass 30 days and still nothing. I dont feel that I should have to be writing this complaint just to get my results. Are bureau not working because of Covid? Because that the only reason I can see why they arent replying to me. There is no excuse for this.
Product: Debt collection

RE : Dispute Regarding HIPAA Violation and Credit Report Dear Credit Control Corporation, I, XXXX XXXX am writing to dispute a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) in connection with my account.

I am concerned that Credit Control Corporation may have obtained or used protected health information ( PHI ) about me in violation of HIPAA regulations when attempting to collect a debt. HIPAA restricts the use and disclosure of a patient 's medical information without their written authorization. 

I, XXXX XXXX XXXX am also disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, and calls.

Credit Control Corporation did not provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report.

I have not been given the opportunity to dispute the account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Credit Control Corporation is currently violating my consumer rights by using false misleading, misrepresentation, and deceptive means.

Credit Control Corporation has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, Credit Control Corporation in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I request that you investigate this matter immediately. Please provide me with the following information : * The source of any medical information you may have used in your collection efforts.

* The specific information obtained.

* How this information was used.

I also request that you remove any PHI from my file and ensure it is not used in future collection attempts. Please confirm these actions in writing within XXXX  days of the date of this letter. Also, I request that this debt be validated by furnishing my original purchase agreement between Credit Control Corporation And the original creditor. I am also requesting Credit Control Corporation licensure and bond to collect this debt from me.

Lastly, Credit Control Corporation is in violation of 1006.34 Notice for validation of debts ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( B ) Within XXXX days of that initial communication ; or ( ii ) By providing the validation

information orally in the initial communication. I did not receive proper notification. If in fact, you believe that I did receive proper notification. Please provide the Certified Mail Receipt with My Signature, Stating that I received documentation within XXXX days of the initial communication. If proper documentation Can not be produced I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove the inaccurate information within XXXX  days. 


If I do not receive a satisfactory response within XXXX  days, I will be forced to file a complaint with the Department of Health and Human Services ( HHS ). I may also pursue additional legal action.

Thank you for your attention to this matter. 

Sincerely, XXXX  XXXX XXXX
Product: Credit card

I called Citi Bank to ask a general question about using the ATM machines. Despite my objections about the necessity of my personal details for a general question, I had to divulge my name, the last XXXX digits of my credit card and my mother 's maiden name. At this point I was told that the information was incorrect. It was correct and I was asked to verify it exactly as it was on my credit card, which I did. I was informed that that was incorrect and transferred to " Fraud Prevention '' where I refused to verify a code they send me to change my name as I did not wish to have a name change. Then I received a message upon login to my account online, that my account use can be " restricted '' and to call " Fraud ''. I called and was asked to verify my name which again I did not pass. As this was discussed, I a sked tor a written record of what transpired on my account. The agent was interrupting me. I asked the agent to stop interrupting me which he did not. I objected to that again and he admonished me to talk to him " professionally or he will ... '' at which point I asked to be transferred to a supervisor. The supervisor asked me to verify my name again and it was not " checking '' again. I told her that I had a month earlier or so I asked to have them send me a card with my full first name as they had my name abbreviated ( which they did ) and she apparently " changed it " in their system upon further " verification '' but she still would not provide me with a written record of what transpired on my account. In this process, I was talking to at least XXXX different people. All but XXXX had difficulty speaking and understanding XXXX and a bad phone connection making the conversations even more difficult. I have this credit card for over 20 years and I do not plan on keeping it. However, the company appears not only sloppy but also rude and potentially harmful if they actually block your card when you're not expecting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the same error on my TransUnion credit report, and my XXXX  credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. TransUnion and XXXX state that this account has been opened on XX/XX/2017.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and tracking these transaction was unfeasible. The CFBPs finding indicates that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I received a invite to apply for the card I followed all steps. Your system is not working
Product: Debt collection

I sent a certified letter with documentation forms to LVNV Funding LLC on XX/XX/XXXX LVNV funding company signed the certified letter that they received it but didnt follow guidelines thats was on the documents that was send to them. They didnt filled out the documentation and send it back to me. Instead they just send a collection letter with attach this isnt proof debt on my behalf The documentation that I send to LVNV Funding needs to be filled out within 30 days and send back to me they fail to do that. So I will need this balance of XXXX remove off all 3 credit reports And also this balance is incorrect as well that XXXX XXXX is trying to collect i called XXXX XXXX and this closed this account in XX/XX/XXXX they still falsely was reporting to XXXX the statements that was send from XXXX XXXX XXXX XXXX  are incorrect dates and balance I will attach my letter that was send to LVNV funding and other attach for proof. And XXXX XXXX statute Law of limitations on debt is four years for unsecured loans, oral contracts, open-end accounts, revolving credit, promissory notes, and written contracts such as credit cards, medical bills, personal loans, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/2020 and XX/XX/2020 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifaxs job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 


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

Some of these accounts have been paid off like my possible loan for {$310.00} that was paid off years ago, Ive tried through out the years to get it took off the report but it still is there. Its causing me issues also anything that is added to myself and is accurate would say XXXX XXXX XXXX of it says anything else its obviously inaccurate
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive this validation. Additionally, California Civil Code Section 1788.18 ( Rosenthal Fair Debt Collection Practices Act ) and California Civil Code Section 1785.25 ( a ) provide further protections and require accurate reporting and fair collection practices.

As MIDLAND CREDIT has not met these legal requirements, I request that the Consumer Financial Protection Bureau investigate this matter. Specifically, I ask for : 1. An investigation into the practices of MIDLAND CREDIT concerning their failure to provide the legally mandated validation and verification of the debt.

2. If MIDLAND CREDIT can not provide the required proof, I request that this collection account be removed from my credit reports with all three major credit bureaus.

3. Appropriate action against MIDLAND CREDIT to ensure they comply with federal and state debt collection laws in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the collection account XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX   ). The account which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft I disputed the account with Transunion but they did not help me..They never gave me any evidence proving the account as mine..CFPB please do something about this and remove the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Synerprise Consulting XXXX  INC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Synerprise Consulting did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine.

According to the FCRA, Synerprise Consulting SBS INC has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving my permission to XXXX XXXX, for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me, but anything more is to only be revealed with patient 's authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item I am complaining.
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a major source of worry. I'm extremely concerned about its impact on my credit. This derogatory mark has already led to a loan rejection and higher interest rates on my existing credit accounts. I can not overstate the financial and emotional toll this is taking on me, which will continue until this issue is resolved.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my previously filed complaint was closed without providing a satisfactory resolution. 

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 -- -Equifax XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I filed a complaint with you on this same subject under " debt collections '' I am filing another complaint with the same issue. Experian is holding my credit hostage to persistent dispute remarks on my credit report with Experian. THIs is holding me back from getting a home loan, they are freezing my ability to get approved for a home loan I just applied for three days ago. My mortgage company informed me that they can not underwrite my loan until these dispute remarks are removed with Experian. These disputes are complete ( I received an email showing this after 30 days- from Experian ) These are older than 30 days past first initial dispute. This is causing me a lot emotional distress and affecting my life greatly. Experian is holding my credit hostage by dispute remarks. these accounts ; XXXX XXXX ; # XXXX and # XXXX as well as XXXX XXXX # XXXX and XXXX # XXXX These accounts with EXPERIAN have persistent dispute remarks keeping me from getting my home loan. I have requested they removed them and Experian has refused repeatedly. I may loose my down payment on a home and my underwriter can not take the next step with these remarks on my credit report with experian. Please help remove the remarks Experian refuses to remove.
Product: Checking or savings account

I deposit a check at BB & T Bank on XX/XX/2021. They advise me that the funds would be available on XX/XX/2021 because its was a seven day hold. On the XX/XX/2021 after I deposit the check I was advise that my account will be close due to fraudulently activity. In funds will be available on the XXXX and I have 10 business days to withdraw funds or they will mail me a check. Went BB & t on the XXXX was advise that cant receive funds because it wasn't collect from the bank check was draw under. I waited the proper time frame now they telling me I need to wait addition three business days. They advise me that one individual is in control of me receiving me funds and I have to wait. Just don't understand if I waited the proper time frame. Contact that party that issue me the check and they advise me that the check was cash. Its a inconvenience at this point my bills is due we in the middle of an pandemic and I need my funds.
Product: Debt collection

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 8 hard inquires on my credit report that was not done by me. im a victim of identity theft. i sent a copy of my police report and still they remain. all i ask is for them to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no accounts tied to these inquiries. please remove