23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Capital One credit card, Quicksilver, with no balance, and incurs an annual fee every XX/XX/XXXX of {$39.00}. In advance of that fee being charged to my account, on XX/XX/2018, I called Capital One customer service to evaluate my options regarding the upcoming fee. I was advised by the Capital One customer service representative that I was a customer in good standing with an excellent business record with Capital One and they would waive the annual fee once it was billed to my account on XX/XX/XXXX. On XX/XX/XXXX, I called Capital One, and after speaking with three different representatives, they advised that they would not be able to waive the fee, that it was against company policy. I have the XX/XX/XXXX call with Capital One recorded and when I advised them of the documentation, they became obstinate and would only continue the conversation if I ceased recording, even in light that they acknowledged they were recording the conversation. I advised that I made all calls from a 'one party consent state ' and did not have to disclose if I was recording the current call which they advised that they would not help if I was recording the conversation. It is an inequitable position to only have one party with the recorded conversation and is in everyone 's best interest to have the best available documentation of the conversation. In short, previous to the fee being incurred, I inquired with Capital One, was provided information and guidance that I faithfully acted upon, and when attempted to execute the financial commitment from Capital One, they reneged on their previous verbal contract to waive the fee once it incurred. Capital One has all the conversations recorded for review.
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate with my personal name and address on XXXX, XXXX, & equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed two XXXX XXXX accounts and one XXXX account for date of last activity. As shown they are re aging my account. Which is a violation of the FCRA Act and impossible as all 3 are completely different. TransUnion verified all 3 accounts as correct, which tells me they are not investigating as they say they are. I have made multiple attempts to have a 100 % accurate credit report, which they are not giving me my right as the FCRA ACT states I as a consumer should have.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXXmmediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I attempted to deposit a check by mail to Capital One. Capital One does not display a mail-in address for check deposit, so I googled and found and address. I mailed my check there. My check was properly endorsed and annotated with " for deposit only '' with my account number. Instead of depositing my check or calling me, Capital One returned the check to the originator ( not me! ). The originator, XXXX, deposited the check against my account with them, without any direction from me. 

The check in question was for {$1100.00}, deposited XX/XX/2021, number XXXX. 

My complaint is that Capital One is making it difficult, if not impossible to deposit checks by mail and that XXXX deposited monies against my account without my permission.
Product: Mortgage

I was foreclosed on in    2008  by  CitiMortgage. As I foreclosed on I was under the impression that I can wait seven years for it t o drop from my credit but CitiMortgage reopened the case and withdrew their foreclosure on the home. I am now still showing as owner of the home but with a nonpayment of near ly ten years. I have tried a deed in leui but the bank sees my financials and just talks about keeping the home on top of me. The taxes alone will crush me so a deed in leui is not possible. The house is not habitable because it has sat for ten years vacant and with no upkeep. I have had three  lawyers and talked to every agency known to man but they all give me the same response. I cant help you but you can call ... .. agency for help. I am trying to move on with my life but I am unable to and there is no other option but to file complaints with every agency known to man. How can a mortgage company foreclose on you and then reopen and continue to ruin your life like this is ridiculous. I am in the military so I cant exercise my right to file for bankruptcy because I will lose my job.
Product: Debt collection

Hello, I was talking to PayPal credit ( they called me at XXXX CST ) I was speaking with a representative named XXXX ID # XXXX. He was not getting what I was saying at all and kept going in circles, making me feel slightly harrased. The real problem is when I asked to speak with a supervisor. He then put his headset down, and did not mute his microphone. While he was standing there he said I sounded " like he doesn't know anything, sounds like he just woke up. '' His manager XXXX ID # XXXX then came on the line. I asked if that is what he said about me. She said yes and that she told him not to say it again. This made me feel extremely harrased and trying to insinuate that I don't know what I'm doing. I do feel very harrased by this representative XXXX ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple fraudulent credit inquires 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

There is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$7300.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and der eptive as they did not comply with error ies ution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accidentally created an account with Trans union and was immediately charged to my credit card.In their advertising, Trans Union falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. Luckily my credit history is too new and they said " I won't be charged ''. I then wanted to close my account but they make this purposefully difficult to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.
Product: Credit card

Capital one keep sending me email asking for payments after I sent proof of me being a victim of identity theft, and I told them that I did not open up a capital platinum card or a Walmart capital one card, which makes no sense. They the Walmart card as Fraud, but not the capital one platinum card as Fraud when the same person is the one that applied for both cards. I have sent them proof numerous of times and they said that I am liable for the capital one platinum card. I am a victim of identity theft I am not liable for this account. I have told these people several times to remove this from our credit report as soon as possible. It makes no sense that yall say one card is fraud but not the other one .i was lock up at that time. Did not open them account its against the law to put false info on my credit report
Product: Credit reporting or other personal consumer reports

I checked my credit report and i saw 2 inquires from the same lender and with one year o difference : the first XXXX XX/XX/XXXX from SYNC/PAYPAL, and the second XXXX XX/XX/XXXX from SYNC/PAYPAL again ... i sent several letters for the removal inquires that i did not remember and did not authorized, as you can check i do not have any products with them
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : SOFI BANK, XXXX ( Account # : XXXX ) ** - Reports a XXXX late payment, but all payments were made on time. 
XXXX ( Account # : XXXX ) ** - XXXX a XXXX late payment, but all payments were made on time. 
XXXX XXXX BANK, XXXX ( Account # : XXXX ) ** - Reports a XXXX late payment, but all payments were made on time. 
XXXX BANK ( Account # : XXXX ) ** - XXXX a XXXX late payment, but all payments were made on time. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage. 

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Product: Debt collection

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Professional Credit Management, using address XXXX  XXXX  XXXX, XXXX, Ar XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Product: Credit reporting or other personal consumer reports

This grievance is not without merit. My credit report contains inaccuracies and incomplete information, which is unduly distressing and adversely impacting me.
Product: Mortgage

I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate XXXX, I have sent the requested documents and they keep saying that they never received them. The loan as been reassigned without forwarding information, new loan options have not been communicated, nor notification received regarding the status of the loan. Messages are left and not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation.
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 XXXX XXXX XXXX XXXXXXXX  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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/year> under account number : XXXX with a balance of {$640.00}. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account or collection is the result of identity theft and fraud.
Product: Debt collection

I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.
Product: Debt collection

I am keep received some calls from collection agency daily regarding a debt that I do not recognize neither received any bills or invoice explaining the debt I owned and from who. I want this harassment to stop immediately.
Product: Credit card

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May presume that no proof of the alleged Debt nor therefore any such debt in fact does exist
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the late payments reported on my credit report related to the XXXX XXXX XXXX account. This information is inaccurate, and I am requesting that it be removed from my credit file immediately. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account type : Time Share I contacted you to dispute the incorrect information regarding the late payments on my XXXX XXXX XXXX account. Under the following laws, I am requesting that a thorough investigation be conducted and my credit report be corrected : XXXX. **15 USC 1666 ( b ) - Fair Credit Billing Act ( FCBA ) : ** This law requires credit bureaus to properly investigate any disputes related to billing errors, including incorrectly reported payments. 

XXXX. **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) - Fair Credit Reporting Act ( FCRA ) : ** Under this law, you are required to conduct a reasonable investigation when the accuracy of the reported information is questioned. 

XXXX. **15 USC 1681i - Reinvestigation of Information in Credit Reports : ** This specific provision of the FCRA requires you to reinvestigate any information that I, as a consumer, dispute as inaccurate or incomplete. 

XXXX. **15 USC 1692e - Fair Debt Collection Practices Act ( FDCPA ) : ** This law prohibits the presentation of false, misleading, or incorrect information in connection with the collection of debts. 

I request that you carefully review the reported information and provide clear and verifiable evidence of the accuracy of these late payments. If you are unable to provide such evidence, the late payments should be removed from my credit report immediately. 

I have attached copies of relevant documents that support my request for correction, including [ Describe any attached documents, such as account statements, letters from XXXX XXXX XXXX, etc. ]. 

Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report reflecting the requested corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX my social # is XXXX I'd like to ask if you can delete any negative impacts on my credit file under law FCRA ... collections ... late payment or any derogatory items please.Thank you.
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 # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX Bank 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.