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

discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/04 Balance : {$200000.00}
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : 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

This company did not complete an investigation for the fraudulent inquiry on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX
Product: Mortgage

carrington mortgage po box XXXX XXXX ca XXXX we changed home owners insurance to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  mt XXXX we were insured by XXXX XXXX  and XXXX XXXXXXXX XXXX they could save us money. they insured us through emaclaw insurance, but emaclaw decided they could not insure us, so XXXX XXXX got us insured through travelers. are mortgage payment kept going up, we called carrington and found out XXXX XXXX was never canceled, and was paid out of are escrow account, and emaclaw was paid out of escrow to XXXX, and travelers was paid out of escrow to for XXXX we have decided to keep XXXX XXXX we called travelers and they returned XXXX, and emaclaw never returned any money. are mortgage payment went up through no fault of ours, and now if we do not get the XXXX and the XXXX back we could face foreclosure.
Product: Checking or savings account

CapitalOne Bank, since it took over my various accounts from XXXX XXXX XXXX  and subsequent new owners, has been a nightmare. Most egregious was that I signed up for their 360 Savings account and thought I was getting a very high rate. I had hundreds of thousands of dollars in the 360 account, only to find out, during the low interest return period of a few years ago, that they didn't tell my about their other 360 Performance Savings account. My money received probably less than 1 % interest compared to a mirror savings program that would have paid upwards of 4 %. Once I found out about the deception, I moved the bulk of my savings to a trustworthy and transparent XXXX account. I am more than happy to turn make available all my transactions during this period. I keep minimal amounts in all my accounts with them today simply to pay bills and for the sake of years of using the accounts with credit card companies, vendors etc. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting my account closed due to fraud which is not true. I have attached an identify theft report. It is going on 5 years I have been trying to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had two accounts with Wells Fargo - one business, the other personal - opened in XX/XX/XXXX and they closed both in XX/XX/XXXX. I do not remember exact dates as this was a couple of years ago. When they closed the accounts, my money was returned to me and I inquired as to why they closed the accounts, to which the answer was, " We don't have to tell you. '' After arguing and getting nowhere, I just left it alone, until recently, as I'm having a hard time getting a business account. I'm just wondering what's causing this and no one seems to want to inform me or even have any information themselves. I visited a Wells Fargo branch onXX/XX/XXXXXX/XX/XXXX, where they had to call the back office, and still got nothing. Any assistance in this matter would be greatly appreciated. Thank you.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with FIRST POINT COLL company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that Experian is reporting me as 30 days late in XX/XX/year>, XXXX is reporting me as 30 days late in XX/XX/year>, and XXXX is reporting me as 60 days delinquent in XXXX and 90 days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Product: Debt collection

The debt collector failed to provide information to verify debt when asked for validation of the debt. The original letter received from the debt collector did not inform me of my right to request validation of the debt within 30 days.
Product: Checking or savings account

Capital one did not deposit my direct deposit paycheck. 
Usually my deposit is in my account on Wednesday They sent one email late Thursday night that explained there was technical problems but it should be cleared up by Friday morning. 
They sent no other communication and did not explain what the problem was. 
My paycheck was not available Friday morning Still no communication from capital one Called customer service Waited on the phone for 2 hours to be told capital one doesn't know what the problem is and can not tell me a time frame when it will be fixed, only that they hope it will be fixed by end of day Capital one still has not contacted me about my account I have bills set up to be withdrawn according to my paycheck deposit and while I do have funds to cover them in the account currently, I don't know when my paycheck will be deposited or even if they are going to deposit it. 
This is very stressful
Product: Credit card or prepaid card

To Whom It May Concern : This letter is after exhausting all avenues on a current/past situation with Barclay card Frontier credit card. XXXX of XXXX I traveled to Florida for vacation. In order check in my return flight I had to pay with a credit card. I used my XXXX card and paid {$120.00} dollars. When I received my Frontier Barclay Card statement in XX/XX/XXXX, that is when I saw that they auto charged my account for the same amount of {$120.00}. I called Barclay to dispute the charges, sent the statement for my credit card that I used to pay for check in. Called to follow up with Barclay and they said they never received the fax. So I sent it again, this continued for months- with sending the fax statements and being told that they never received the proof. Barclay also advised me to go dispute charges with the other credit card company and I refused that, because I personally paid with that card ( I was not going to dispute something that I paid for ). This continued, within that time I also paid off the balance with Barclay of over {$2000.00} minus the {$120.00} just to close the account and continue to dispute the charges. In XX/XX/XXXX, while this was still going on, I faxed again the statements and Barclay sent a letter to tell me that they received the statements but unfortunately it was past the dispute range and expired. As you can see that I was beyond frustrated- why would I pay a huge lump sum and leave {$120.00} on the account if I owed that. I still call about every 6 months, because now, they put me in collections for {$400.00} and yet I can't even settle that because it has been charged off and they have no way to apply a payment. This has gone way too far on the credit cards part and I feel that proof and faxes were intentionally disappearing or they were giving me the wrong fax number- to where the statements and proof just got dismissed, until they saw that the faxes and the dates of my dispute went out of the range. I would like for this case to be settled and off of my credit report, as it has not only been an emotional mess - when you would be able to see that I have an excellent history of paying bills and not debt with credit cards whatsoever. This whole situation has sabotaged me with lenders and prevented me being able to buy a house with the best credit score I can have if this was not on the report. Please consider reviewing and settling this account in any way to release what is not even my liability.
Product: Credit card or prepaid card

Dear XXXX, I am writing to dispute the charges on my Care Credit account related to XXXX  services provided by XXXX XXXX XXXXXXXX XXXX The purpose of this letter is to request a full refund for the amount paid, as I did not receive the medical care that was promised, effectively resulting in being unjustly charged and ultimately ripped off. I kindly request that you take immediate action to rectify this situation and credit my account accordingly. 

Enclosed with this letter, you will find the receipt documenting the payment made to XXXX XXXX XXXX on XX/XX/2022, in the amount of {$3000.00}. This payment was intended to cover the dental services I was expecting to receive, but unfortunately, XXXX XXXX XXXX failed to fulfill their obligations, leaving me without the promised medical care. 

Furthermore, I insist that all additional charges incurred on my account in relation to this transaction be reimbursed as well. The total refund amount should reflect the disputed amount plus any associated fees or charges. I trust that Care Credit will thoroughly investigate this matter and ensure that I am not held responsible for a debt that arose due to the XXXX  company 's failure to deliver the services for which I had paid.
Product: Debt collection

I submitted numerous complaints in regards to Bank of America. I sumitted numerous documents demonstrating that I was not the party that applied for a credit card with this organization. I had no knowledge of this debt. The address that I found out was on the application after submitting my complaint, it is an address that I have not resided at in approximately 20 years. I have provided Bank of America that information. I have provided my mortgage document from XXXX to show where I resided and it had my signature to show it was different signature from the application. Then I inquired why Bank of America did not contact me prior to verify if I was applying for a credit card as I have a fraud alert on my credit report. Then they claim they did and the phone number they stated was never my phone number. Then they stated something in reference to XXXX XXXX, I have provided a letter which XXXX XXXX determined this to be a fraudulent account after their investigation. Then Bank of America states about payments, I never wrote any checks or authorized any debits to my account. I keep informing this company XXXX or XXXX when they authorized this card, I had my spouse and son battling XXXX this was my focal point, I never opened or knew anything in regards to this card until after they unfortunately passed and discovered this debt on my credit reports. I tried to correspond with XXXX who was the last party I corredponded with, she did not respond to my emails or calls. Which I emailed this XXXX letter to XXXX as well. I indicated that I attached the XXXX letter as that was mentioned and I provided the letter to show the account was also a fraudulent account and XXXX determined that after their investigation in XXXX. Bank of America submitted this fraudulent debt to IRS as a charge off and I am being held liable for a debt in which I had no affiliation with. I briefly spoke with an attorney who advised me to submit the letter from XXXX to see if the organization will release liability. If Bank of America will not release me of liability when I have proven over and over with documentation that I did n't apply for this card, I have to seek legal represent. I ca n't continue to go through this and be held for a debt in which I am not liable for. I would n't continue to go through this back and forth if I were n't being honest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Collection Agency Name : XXXX  XXXX Collection Agency Address : XXXX XXXX  XXXX XXXX XXXX, VA XXXX Account Name : XXXX  XXXX, In accordance with XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to XXXX XXXX XXXX. 
I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Please be advised that if you fail to respond to this dispute within XXXX  days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX
Product: Consumer Loan

When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX XXXX veteran when they issued the loan at the interest rate of 22 % instead of at 7 % which I am eligible to receive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been tying to help me get Experian to lift the freeze on my credit report, so they can grant me a mortgage to buy a house. Ovef three weeks ago, a letter was sent overnight to Experian. As of yesterday, XX/XX/XXXX, the credit report was still not available. 

Time is of the essence -- I don't want to pay a higher interest rate. I will also be calling XXXX XXXX 's office, this morning, because at this poiint, Experian is negligent in complying with Federal laws.

I am requesting your urgent and immediate assistance in getting Experian to comply with Federal laws.
Product: Debt collection

I written them a dispute letter to get verification on this matter. I believe I don't own them nothing due to the contract was fulfill on my part. They fraudulent reported this on my credit report and went out of business. And the collection company fraudulent put on my credit report wrong information and didn't respond to my letter written to them in XX/XX/2020. I written a dispute letter to XXXX and Sunrise Credit services on this dispute of incorrect and unverifiable information on my credit report. Neither company 's never respond by a written letter back to me. And I know my rights have been valeted due to section 611 on bases or incorrect and unverifiable information on this matter.
Product: Payday loan, title loan, personal loan, or advance loan

They offered me a loan for {$2000.00} and I gave them my account and routing number. They wanted my banking login information and when I told them no they hung up on me. Now they won't answer.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

I've attempted to contact Equifax concerning a debt on my report that they say I owe. They have failed to provide proof as required by the FCRA.
Product: Credit card or prepaid card

This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank state that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX  and was XXXX XXXX my taxi was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX. I lost my taxi and taxi medallion due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my taxi however it was the only job available to me in a horrible local job market. Once again also at NO TIME did i request that the Credit Protection on this account be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

XXXXXX/XX/XXXX closed my account abruptly falsely accusing me I owe a balance of {$200.00} when the XXXXXX/XX/XXXX mailed me a check on XX/XX/year>2024 in the amount of {$200.00} to my residence which I have never cashed the check