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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX and XXXX. Please delete the following accounts XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( XXXX ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX  - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of XXXX XXXX-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX  - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. 

XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, regarding my identity theft case. I am the victim of identity theft, and fraudulent accounts, addresses, employment details, and credit inquiries have been unlawfully reported on my credit file. 

Violations of FCRA : Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under this section, you must block any information identified as a result of identity theft within four ( 4 ) business days of receiving my dispute and required documentation. Failure to do so constitutes a violation of federal law. 

Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : If you fail to reinvestigate the disputed items within 30 days, you are in violation of this section. 
If you reinstate the fraudulent information without notifying me or conducting a reasonable investigation, you may be in further violation. 
Failure to Notify Data Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Upon receiving my dispute, you must notify the furnishers of the fraudulent information within five ( 5 ) business days. 

Providing Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : You have a legal duty to maintain accurate credit files. Reporting or failing to correct fraudulent information after being notified is a breach of this obligation. 

Failure to Provide Results of Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : After completing an investigation, you are required to provide a written notice of results and any changes made within five ( 5 ) business days.
Product: Credit card

This is a follow up on complaint ID XXXX. Synchrony Banks response to that complaint was to close the account. They have closed the account 10 times since XX/XX/XXXX & reissued the card under a new account #. That does not resolve the issue. As recently as XX/XX/XXXX they allowed a fraudulent charge of {$800.00}. I called them on XX/XX/XXXX in response to a letter from Synchrony Bank, Lowe 's Credit Card. This complaint and the first one is an attempt to stop Synchrony Bank, Lowe 's Credit Card, from enabling these fraudulent changes and charges. This on-going issuance of fraudulent cards and charges since XXXXXX/XX/XXXX is a form of elder abuse as it has cost me time, money and emotional distress. Their response of account closed as their action is not adequate. This cycle must cease!
Product: Debt collection

JPRD was operating with no license - sued by Attorney General. 
I have a debt to them ( judgement attached ) Are they still inbusiness? 
Is it ok for a {$7000.00} debt to now be {$50000.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending XXXX, has violated my rights. 

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
Product: Debt collection

In XXXX I had financial trouble and defaulted on my credit card with Capital one bank. Capital One has made it almost impossible to pay the debt off with them through a constant re transfer on the debt to different companies with no notification to me. Every time I set up a payment plan with the current company after a matter of months the debt is transfer to another company. I have made written and even legal agreement with multiple companies and now I don't even have a name of the current company responsible for the debt. It has been six months since the debt was transferred. The debt was originally with XXXX XXXX, then transferred to XXXX XXXX who I made legal agreement to pay {$65.00} a month to. Then in XXXX of XXXX it was transferred to an unnamed company. I had to email XXXX XXXX to find this information out as I was locked out of making payments. Since XXXX of XXXX until now XX/XX/XXXX I have received no communication from this company about the debt in question and have not been informed on who or how to pay. I don't even know the current amount owed. As you will see in the attached documents I made payments as agreed. and I was the one to contact XXXX XXXX about payment. You will also be able to see that in their response their is simply a number listed. No company name. No point of Contact. No address. No account to reference.
Product: Student loan

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX Info : We found that an adjustment to your credit reporting is not required based on our research of your account. 
Account Number : XXXX ) XXXX ( XXXX Dear XXXX, Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( XXXX ) referenced in your request requires no adjustment because : The Nelnet trade line will remain on your credit report for XXXX years from the date the loan was paid in full. 
Under the Fair Credit Reporting Act ( XXXX ), data providers are not required to investigate certain disputes received directly from consumers. For your future reference, examples of those instances include : A request that is submitted or prepared by a credit-repair organization on behalf of the consumer, including submission of a credit dispute on a form supplied to the consumer by a credit repair organization The consumer has not provided sufficient information to investigate A credit dispute that is substantially the same as a dispute previously submitted by the consumer and investigated by us Questions ? We're here for you. Visit Nelnet.com or call us at XXXX from XXXX a.m. to XXXX p.m. ( XXXX ) Monday Friday. 
Sincerely, Your Nelnet Customer Service Team fb.comThelnet @ Nelnet XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX It has recently come to my attention through researching and study that NELNET is still in Violation of the XXXX XXXXXXXX XXXX XXXXXXXX. In addition XXXX XXXX XXXX XXXX ( XXXX ) Assignment A borrower whose loan has been XXXX pursuant to this subsection shall be deemed to have assigned to the United States the right to a loan refund up to the amount XXXX against the institution and its affiliates and principals. 

( XXXX ) Reporting The Secretary shall report to consumer reporting agencies with respect to loans which have been XXXX pursuant to this subsection.
Product: Checking or savings account

I signed up for a bank account at TD Bank and was supposed to get a bonus for having money deposited for a certain amount of time. I deposited that money via check in person at the branch before the deadline and kept my money in the account for the right amount of time. Per the terms of the agreement, the deadline for having my bonus paid has passed by two weeks. The bank told me that they will not honor the agreement because they delayed in crediting the deposit.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2024 I SUBMITTED MULTIPLE COMPLAINTS ON XXXX, XXXX AND EQUIFAX THROUGH THE CFPB WEBSITE, I ALSO MAILED THE SAME LETTERS VIA USPS. 

AFTER MANY MONTHS OF DISPUTE LETTERS AND COMMUNICATIONS WITH XXXX, I AM APPALLED THEY SENT MULTIPLE EMAILS TO ME STARTING ON XXXX XXXX WHICH ALL CONTAINED THE BELOW FIRST FEW PARAGRAPHS. 

FROM XXXX ; [ [ [ XXXX XXXX XXXX, To view your rights, visit XXXX  and XXXX 

We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. ] ] ] I RECEIVED ONE EMAIL ON XX/XX/2024 AND ANOTHER ON XX/XX/2024 THEN FINALLY ANOTHER ON XX/XX/2024. 

ATTACHED IS THE LETTERS THAT I SENT VIA USPS ALONG WITH THE LETTERS SENT ON THE CFPB COMPLAINT. 

MY COMPLAINT ; [ [ [ I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ] ] ] I HAVE INCLUDED A COPY OF MY IDENTIFICATION CARD, SOCIAL SECURITY CARD, AND TWO SEPARATE LETTERS WITH MY ADDRESS FOR VERIFICATION. 

SINCE THIS IS MY SECOND TIME SENDING THESE AND A COMPLAINT, WITH MY WORDS HERE AND SHOWING THE CONTENTS OF THE EMAIL RECEIVED FROM THE CREDIT BUREAU, THERE SHOULD BE NO WAY THAT THIS REQUEST WAS MADE IN ERROR! IT IS ALSO NOT BASED ON A MATERIAL MISREPRESENTATION OR THAT I KNOWINGLY OBTAINED OR SHOULD HAVE KNOWN ANYTHING REGARDING THE TRANSACTIONS THAT I AM SEEKING TO BLOCK. 
THIS EMAIL IS KNOWN AS A STALL TACTIC BY THE GENERAL PUBLIC AS A SHADY PRACTICE FOLLOWED BY THE CREDIT BUREAUS.
Product: Debt collection

I called In to pay debt in full, and days after received paid in full letter which is attached. 
I have disputed the balance with all three bureaus and target refuses to update by minimum the amount to {$0.00}. 
I last spoke with XXXX  today at XXXX
Product: Debt collection

The original collection agency Pinnacle Credit Services , LLC has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( XXXX ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, Pinnacle. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to XXXX. After over 35 days and no response from either Pinnacle or XXXX, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to Pinnacle ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to XXXX on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.
Product: Money transfer, virtual currency, or money service

I am trying to locate and receive my {$280.00} from my job as a chef for The Service Companies. According to XXXX XXXX Customer Service there was no such account, but would send me a written statement I could send my employer stating so. After contacting the CFPB, XXXX XXXX sent me a statement that {$280.00} went to a PayPal Account.
Product: Money transfer, virtual currency, or money service

XXXX shares of XXXX were stolen via XXXX network at XXXX XXXX MST on XX/XX/2023 to unknown digital wallet XXXX The Coinbase account was locked immediately. 

Coinbase was phoned immediately. The account was verified over the phone. Instructions were given to immediately liquidate the remaining account value and return to verified funding source. Coinbase has not honored the request. 

Report filed to FBI
Product: Checking or savings account

I can't access the account anymore but will do my best. Around the last quarter of XXXX  I belive it was, I had a capital one 360 checking account. The account had some unauthorized charges. I reported this to capital one and then a few days later they randomly closed my checking account without telling me and when I asked them why they did that the cs rep told me that they closed it and I would never ever be able to have another 360 account again. They were talking to me like I was a terrible human. I want to know why the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.
Product: Credit reporting or other personal consumer reports

Capital One Account XXXX XX/XX/2024 I am writing this letter to let you know what a disaster you have caused for XXXX. I asked Capital One to help me. Instead, you made things worse. I called and arranged for payment plan. I agreed to pay {$200.00} per XXXX  due on the XXXX of each XXXX  with the understanding I would try to get current as soon as possible. I asked the representative if it would affect my XXXX XXXX. I said he did not know. Should have realized something was XXXX. What Capital One did was trash my XXXX XXXX by XXXX points and continues to report me as XXXX. For the last XXXX XXXX CapitalOne has reported to me even though I made prompt {$200.00} payments. We agreed to a payment plan so what CapitalOne has done seems XXXX, XXXX XXXX XXXX XXXX. I am not the only one you have done this too. 
As an example, I asked XXXX XXXX for a plan, and they agreed to a month repayment plan. They report me as current. XXXX XXXX suspended interest charges. They do not charge malicious interest as Capital One does and did not trash me. All other credit cards are current and up to date. I only asked CapitalOne and XXXX XXXX for help. XXXX XXXX came through. Capital One did not. 
All other credit cards are current. You continue reporting me as late caused my other credit card companies to reduce my credit lines, which increases my credit usage which then reduced my XXXX XXXX. This has happened the last XXXX XXXX, my XXXX XXXX continues to go down because of Capital One. The cycle continues. You should be ashamed. Under the guise of helping, you are destroying my XXXX XXXX. You should immediately remove XXXX  your advertisements mentioning as being a friendly bank. I should consider a class action suit for XXXX  practices. 
I have lost XXXX  due to XXXX. CapitalOne does not care. 
I am going to encourage the Consumer Financial Protection Bureau to break the relationship between CapitalOne and the XXXX credit reporting agencies based on XXXX  and XXXX  behavior. 
I have considered placing my experiences on XXXX and XXXX, but I am not as XXXX  as Capital One People and businesses should know how you operate. 
Your XXXX  XXXX  lending is XXXX. 
Disappointed in CapitalOne, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

filed police report houston pd # XXXX violates my fcra act hippa remove stuff that are not mine Id theft victim
Product: Credit reporting or other personal consumer reports

On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I got an alert today that the company SENTRY CREDIT INC is reporting a collection account on my credit file. THIS IS THE 2ND TIME THIS ACCOUNT WAS ADDED TO MY REPORT. I disputed it in XX/XX/XXXX ( original case # XXXX ) initially with the CFPB and it was removed now again in XX/XX/XXXX its reinserted. I have no knowledge of this debt and i was never given a DV or anything. This is a reinsertion of a deleted account with the same company! this is not my debt and it should be re-reporting after it was deleted
Product: Debt collection

On XX/XX/year> I received a letter of the debt in the amount of {$880.00} by portfolio recovery associates , LLC. I am not trying to dispute and show proof that I was in XXXX when I was a victim of identity theft. I would like to have the debt amount in XXXX taken off my credit records. Thank you.