23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX Account Name : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I was involved in the Equifax data breach. I informed the credit reporting agency of the following accounts that are fraudulent, please find my identity theft report, instructions on removing fraudulent items.
Product: Debt collection

On XX/XX/XXXX I opened my first credit line with Curacao and purchased a laptop with my {$700.00} credit limit from XXXX I paid the laptop off and never missed a payment. In XX/XX/XXXX I was being charged without my consent from Curacao apparently  for a virus protection program I never agreed to. It was installed for 12 months free and charged me without knowing I had it on my laptop. From XXXX to XX/XX/XXXX i missed payments of this program without knowing I had an existing payment, the end of XX/XX/XXXX I received multiple calls from a credit debt collecting company to pay the balance I made the payment in full hoping they would remove the collection from my report, which they did not do so. The collection company agreed to remove the collection from my report and failed to do so. Ever since this happen 6 years ago I have not done business with this company, I feel lied to and cheated out of what has greatly effected my credit score for  the pass 6 years.
Product: Debt collection

I am reaching out to address a concerning issue regarding my credit file. Upon reviewing my records, I noticed a collection entry from your agency, which has sparked my attention as I had not been previously informed about this collection. Moreover, I harbor serious doubts about the accuracy of the debt being claimed. In accordance with the Fair Debt Collection Practices Act, I am entitled to request validation of the debt. Therefore, I kindly request that you furnish the necessary validation and take appropriate actions to resolve this matter.
Product: Bank account or service

In XXXX 2015 I opened a secured credit card account with Capital One Bank via an initial opening security deposit of {$300.00}. It took approximately 14 days for the processing of that initial deposit to occur. Since that time I have made XXXX consecutive payments, all made from the same account as the initial funding deposit. On XXXX/XXXX/15 I attempted to make a new deposit to the account, but due to a banking error on the payment end by XXXX, the funding account bank, it was rejected. After identifying the issue with XXXX, I had the error corrected and resubmitted another deposit of the same {$100.00} to Capital One for credit to my credit line. After receiving, and processing ( ie " cashing '' ) the deposit, Capital One placed a " fraud alert '' on my credit account, and froze all funds in the account. They cited as explanation the returned item from XXXX as " suspected fraud '' and have since been holding all funds while they draw interest on the money and I am left without access to any of it. The problem is that 1 ) no fraud existed as I clearly own the XXXX account 2 ) the same XXXX account has been repeatedly used to fund and make all payments on this account 3 ) my banking relationship with XXXX Bank is of absolutely no business of Capital One and the demands that they are making to information regarding that account are far outside of the scope legally required or necessary. I believe they are using this situation as a pretext to obtain information they can then use to track my financial standing at XXXX Bank without legal authority, pre-existing approval, or direct knowledge of their activity on my part.
Product: Debt collection

On XX/XX/2024 I was informed that I had an XXXX XXXX infraction in XXXX. This infection took place XXXX plus days prior to them contacting me. The {$3.00} charge had skyrocketed to {$100.00}. The next day I contacted XXXX. They indicated that this bill, was now in collection because it was more than 90 days past due. I indicated that the bill was never received and that it was late at night and was not aware of the XXXX XXXX XXXX and that I was willing to pay a late fee but not {$100.00}. I filed a complaint with them and did not think any more about it. On XX/XX/2024 I was contacted by an attorney and he said he was trying to collect the now {$100.00} debt. I am willing to pay a small late fee but not {$100.00}. That is extortion. Please help. 

Reference # XXXX Account # XXXX XXXX  License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My chase account was being used to XXXX 2 separate people under the names of XXXX with the number XXXX and XXXX XXXX with the number XXXX various amounts of money which totalled to {$740.00} without my knowledge. XXXX was sent a total of {$500.00} and shanea of {$140.00}. I did not make these payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really disappointed in Capital one, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time Capital one responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from capital one so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you comply.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply.

ALDOUS - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. - As a consumer by law this account must be DELETED immediately.

Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for CFPB.
Product: Checking or savings account

I have tried for several months to explain to Albert Genius that I can not close my account. They advised that I needed to completely withdraw funds from my account. I no longer have the account with chase that was originally linked. I linked my new bank account but it will not allow me to transfer. I have contacted them and they are unwilling to help. I have asked them to close this 4 months in a row and they continue to hold my funds and also charge me a monthly fee of XXXX dollars. I would honestly like this to be closed and my XXXX dollars refunded for the months that I have been trying to close this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$5000.00}, {$5400.00}, {$9300.00}, {$15000.00}, {$34000.00}, {$1000.00}, {$4900.00}, {$32000.00}, {$14000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 









5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} XXXX -This is not my account. 


-- AUTO ACCOUNT 8. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a review of my credit report showed that a " charged off '' account has been reported to my Experian credit report. XXXX XXXX XXXX has reported that an account was opened in my name on or around XX/XX/XXXX and was charged off on an unknown date for a total balance of {$1900.00}. This information in not accurate and this account is fraudulent. I have no knowledge of this account, nor have I ever consented to this account being opened in my name. Given that the account is fraudulent, continued reporting of this account is a violation under the FCRA and therefore must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY ASSOCIATES Account # XXXX XXXX  : I requested verification of collection account from PORTFOLIO RECOVERY ASSOCIATES. XXXX XX/XX/XXXX responded with account has been verified by the PORTFOLIO RECOVERY ASSOCIATES. 
I contacted PORTFOLIO RECOVERY ASSOCIATES and asked for validation of the debt by requesting information allowed under 15 USC 1692g ( Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe XXXX. When, PORTFOLIO RECOVERY ASSOCIATES responded they were not able to produce the information I requested, but produced a standard document by XXXX XXXX XXXX ( XXXX ) stating that PORTFOLIO RECOVERY ASSOCIATES had purchased the debt, but did not provide any additional information spelled out in XXXX XXXX XXXX. 

I forwarded this information to Experian and requested a re-investigation under 15 USC 1681 along with response from original creditor and PORTFOLIO RECOVERY ASSOCIATES ( Collection Agency ) and requested that the account be deleted if it could not be verified by the original creditor " XXXX XXXX XXXX  ( XXXX  ) ''. My recent credit report from XXXX  still shows the " Unverified '' account on my report 15 USC 1681 As the Eleventh Circuit has held, Section 1681s2 ( b ) contemplates three potential ending points to reinvestigation : verification of accuracy, a determination of inaccuracy or incompleteness, or a determination that the information can not be verified.704 When its investigation determines that disputed information is inaccurate, incomplete, or can not be verified, the furnisher must, as appropriate, modify, delete, and/or permanently block the reporting of that item of information to prevent its re-reporting. 705 The statute establishes a default position that places the burden on the furnisher to verify the accuracy of disputed information.706 The FTC has therefore stated that [ u ] nless the furnisher is able to confirm the disputed item of information, it must cease reporting it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Incorrect DOB - XXXX  As per the FTC and FCRA laws and regulations, any inaccurate and outdated information must be immediately deleted from my credit report as it is not reportable under the FCRA since it is incorrect. The only personal information that should be reported on my credit report includes : My Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York, XXXX My Name : XXXX XXXX Social Security Number : XXXX  Date of Birth : XX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates
USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear RESURGENT/LVNV FUNDING, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within XXXX days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

XX/XX/17 I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX XXXX - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/17 to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX XXXX  credit card - XXXX XXXX XXXX Ref ending # XXXX. I contacted XX/XX/17 to report identity theft. I received another letter dated XX/XX/17 to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/17 to report identity theft. XX/XX/17 Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/17 pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/17 Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
Product: Mortgage

Wells Fargo Home Equity Loan opened on XXXX, 2004 is showing up as an Open Account on XXXX. I have reached out to Wells Fargo in an attempt to have it closed/removed with no success. They had me send a fax with all the info and was told it would be removed in a couple weeks. I have done this multiple times. It 's now been a year. I 'm unable to provide the loan number because I was taken off the loan when I was divorced. I 'm also unable to provide my x-wife 's social security number because were not married and I do n't have it. How do I get this removed from my credit report if Wells Fargo refuses to contact XXXX?
Product: Checking or savings account

has charged on ocations even if the funds are low they still process the transaction, i havespoken to the branch manager, who refused to provide proof of the transaction, when this happens charges on overdraft fees exceed XXXX dollars a month. If funds are not available bank should not process the transaction, First Bank in XXXX XXXX has had issues on overdrafting on purpose to collect excessive overdraft fees.