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

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit Items that need to be disputed 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 card

after 3 year having the accounts in question capital one closed my accounts for no reason when in was only one payment behinfd on XX/XX/XXXX my next payment statement went out on the XXXX of same month i asked why they closed my accounts and i was told because i sent in a payment coupon endoresed PAY TO BEARER WRITTEN ON THE FRIN OF THE PAYMENT COUPONXXXX, VA XXXXXXXX XXXX  Capital One. Capital One is a federally registered service mark. All rights reserved. 
XX/XX/2023 Re : Accounts ending in XXXX, XXXX and XXXX Capital One Case : XXXX CFPB Case : XXXX Dear XXXX XXXX XXXX Were reaching out to you about the concern you submitted to the Consumer Financial Protection Bureau ( CFPB ), regarding information weve reported to the Consumer Reporting Agencies ( CRAs ). 
Thank you for speaking with us on XX/XX/2023. During our call, you indicated that you believe the reporting on your Capital One accounts is inaccurate because charged off accounts should not be reporting to the CRAs. However, weve confirmed Capital One does not delete accounts in exchange for payments and will reflect a paid in full/settled status when applicable. We may report for up to seven years from the first date of delinquency. Please refer to the CRAs directly for more information regarding when the accounts will no longer reflect on your reporting. 
As a reminder, your accounts were closed on XX/XX/2023. We sent letters ( enclosed ) explaining the reason for the closures. 
In your request, you indicated that you believe we should not be reporting your accounts to the CRAs. However, according to the terms of your Credit Card Agreement, we may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.

Weve confirmed that were reporting accurate information. For this reason, we are respectfully declining your request that we ask the CRAs to change the information we're reporting about these accounts. 
If you have any questions or concerns, please call XXXX. Our Customer Service Representatives are available 24 hours a day, 7 days a week. 
Sincerely, Capital One Customer Advocacy Office Enclosures cc : Consumer Financial Protection Bureau my accounts were closed before i was even two payments behind yet capital one continued to report my account past due and late as if i was 180 days late on my payments and i had only missed one payment
Product: Debt collection

I received a letter in the from FCA, Fair Collections & Outsourcing. The letter was dated XX/XX/2021. The debt was for {$2300.00} for unpaid rent and fees for an apartment in XXXX, Indiana. I phoned the company on XX/XX/2021 and spoke with representative. I requested to speak with the manager. I explained to the representative that they have the wrong person. The representative insisted that I was not being truthful. She asked for my birthday and address. She looked at her screen only to see that the birthdays did not match. The next day, I phoned the apartment XXXX XXXX in XXXX as well as the property management company, XXXX XXXX in XXXX, Maryland. They apologized but this information is affecting my credit score. They say that they will fix it. Nothing has been done. I need this matter to be resolved immediately.
Product: Credit reporting or other personal consumer reports

During my time as a victim of XXXX XXXX, my personal information was used without my consent to open accounts, make inquiries, and engage in unauthorized financial activities. These actions took place during a period of coercion and control, making it impossible for me to protect my information or finances. Specific incidents include : On XX/XX/year>, unauthorized inquiries were made by XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX. On XX/XX/year>, an unauthorized inquiry was made by XXXX XXXX XXXX XXXX. Fraudulent accounts were opened, including : 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  These actions were taken without my knowledge or consent and have caused significant harm to my credit standing. I have submitted disputes under the Fair Credit Reporting Act ( FCRA ) and provided supporting documentation. I request the removal of these items from my credit report as they are the result of fraudulent activities beyond my control.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Date of Fraud/Scam : XX/XX/2021. 
Date reported to Capital One Bank : XX/XX/2021. 
Amount I lost from my checking account from the on-line scam : {$1900.00}. 
Amount Capital One reversed charges : {$0.00}. 
Capital One Claim # s : XXXX, XXXX, XXXX, XXXX. 
This is a complaint against Capital One Bank and their non-compliance to my fraud/scam cases. Capital One markets and boasts that customers " will never have to pay for unauthorized charges due to {$0.00} fraud liability with Capital One. '' However, I submitted 4 scam cases and they denied all of them. The reason for the denial was " We finished looking into your claim and didn't find that an error happened. '' I was not claiming an error ; I was claiming that I was de-frauded by an online technical scam into sending money to a fake organization. This was clearly fraud/scam that I reported to the FBI and to the Federal Trade Commission on XX/XX/2021. Capital One acknowledged that I was de-frauded, because they sought to regain the lost money from the recipients ' bank accounts but were unsuccessful. Therefore, I should have been reimbursed by Capital One for the fraud/scam scheme that victimized me if they offer {$0.00} fraud liability as part of their banking policies and practices.
Product: Checking or savings account

My banking account was hacked and money was stolen from my account and the banking company did not help in any way, they cut off access to my funds and so I have no way to pay for anything including my rent. So instead of helping me do banking and get my money back they cut me off from my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX  XXXX   XXXX XXXX, XXXX PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I have received a paper saying that I owed money from a site I never used or brought anything from there, and they have my name, my address, and social security number, the place called Jefferson Capital Systems LLC, I read the reviews, and they doing scamming people out of their money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I have paid about {$1000.00} to a company that I thought was helping consolidate and lower my monthly student loan debt, and my actual servicer claims they have received no money since my account was set up. They called me in the middle of my application on studentloans.gov for an Income Driven Repayment plan, and XXXX ( my agent ) claimed that he worked for the government. I sent them sensitive documents including a recent paystub, and they charged me monthly fees for something that needs to be done only yearly. They are preying on vulnerable people who are taking steps to eliminate their debt and cause them more strife.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you check the documents you will see all the letters I have sent, please read everything. I need you to help me
Product: Student loan

I made a payment to pay off my student loan balance of {$2700.00} to Nelnet on XX/XX/XXXX. I received a confirmation email and checked my XXXX XXXX XXXX account online to ensure that the payment was linked to my bank account and to confirm that I had sufficient funds. 

On XX/XX/XXXX, I got a notice in the mail saying my payment did not go through and to reach out to my bank if I had questions about the failed transaction. I called my banks customer support to ask if they canceled my payment, they didnt see a cancellation on their end or any reason why my payment wouldnt have gone through. and I would have to talk to Nelnet about the situation. 

XX/XX/XXXX, I emailed Nelnet explaining my exchange with the bank and asked if they were the ones to cancel the payment and why? My student loan accrues interest daily, and I expected to be able to pay the final {$2700.00} of my debt and not a XXXX more. 

XX/XX/XXXX, Nelnet customer solutions emails me and says the payment was returned because they couldn't locate my account, yet I received a confirmation email from Nelnet on the payment date of XX/XX/XXXX, listing the same routing and debit account numbers that I've previously used for successful payments. Nelnet 's representative continues to tell me to reach out to my bank if I have any more questions with the cancellation. 

I replied back on the same day with a screenshot of a second chat conversation I had with my bank about the missing payment and they explained if they canceled the payment it would be noted in my account history. I further explained in my email that I made the payment out of good faith to pay off my debts and expect to be able to pay the exact amount of {$2700.00} without the extra interest the loan accrues daily. 

As of XX/XX/XXXX, Nelnet has not gotten back to me and my loan grows more by the day
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date of a Collection XX/XX/XXXX Original Debt Collection-XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

In XXXX of this year I received a collections letter from Diversified Consultants stating they were collecting for XXXX. In XXXX of XXXX, I made arrangements to have payments taken out of my account automatically. So, I was concerned that this company was just trying to collect money from me. So, I sent a letter requesting validation of the debt. Specifically asking for them to prove that XXXX gave them permission to collect on this debt. They received my letter on XX/XX/XXXX of XXXX. They sent back to me a bill from XXXX. They did not provide what I specifically asked for. In good faith and just to resolve the issue. I had sent them a check for the full balance. 

Today I received an email from XXXX that they have added this account which is STILL IN DISPUTE to my credit report dropping my scores over XXXX points. I called this company and asked them how did they have a right to add this account to my credit report while the account was in dispute with their company NOT ATT. 

They told me they would not remove this account. So I told them not to cash my check if they do not plan to remove the account from my credit profile. 

They were rude, unapologetic, and simply did not care at all about the fact that they had profoundly affected my life. 

This company is a predator. I have a right based on the FDCPA and the FCRA to ask for verification and VALIDATION of anything reporting on my credit report or anyone asking me to pay them that I do not have a contract with.
Product: Debt collection

Walmart  in your letter enclosed you state a account XXXX XXXX you state account ending in XXXX was permanently closed  you state you transferred account to new account ending in XXXX { show contract of new account with my SIGNATURE}you state you investigated show complete report  evidence that you state .you state that i Benefited from account show actual benefited from this evidence with a signature . also why did XXXX get transferred with out my signature   please send all copies that I request  contract new account my signature , your investigation , benefited  from use with my actual signature ref CFPB XXXX
Product: Checking or savings account

i was presented a large check of over {$40000.00} by the trustee of my family trust, the trustee is my step father and he used Regions Bank to handle the funds of the trust. the closest Regions bank branch to me is over XXXX miles away. so before traveling to the XXXX iowa branch i spent considerable time on their " green line '' trying to get through to a person so so i could get that branches telephone number. i spoke to a lady there named XXXX and gave her the details of the trust check including that the trust had liquidatedproperty and made out checks to my XXXX sibblings, and to XXXX of the trustee 's family that were double what my and my sibblings checks were for. this was on a wednesday. XXXX told me she would call me back on monday after she contacted their legal department to verify the info. i did not ever recevive a call from her and then on XX/XX/29 i called her back and had to leave a message for her to call me. over 2 hours later she returned my call and said that she had verified everything and there would be no problem giving me a {$40000.00} cashiers check and the rest in cash minus the fee for cashing the check ( {$20.00} ) and the fee for the cashiers check deducted from my cash. she thanked me for my patience and the 2 week advance notice. 
less than 1 hour later she called me back to inform me that they could not sell me a cashiers check because i was not an account holder and therefore would not under any circumstances cash the check for me. they know that i do not have a bank account as i am XXXX XXXX XXXX and have no job or income so no need for a bank account. 
this bank is refusing to cash a verified genuine check written on their bank and therefore are drawing interest daily on MY MONEY ( ie : stealing from me as they will not pay me said interest money that is rightfully mine. ) when a bank does not have to honor the checks from a customer because he does not have an account with said bank, but honored 5 other checks written at same time to mostly non account holders with their bank. ( one such beneficiary of this trust lives in Pennsylvania it ) is a breach of trust in the banking system as a whole. i now want all but the {$20.00} check cashing fee ( as advertised on their website ). in cash, i no longer wish to possess any of their banking products!
Product: Vehicle loan or lease

They had my car for lemon law issues for three months. Supposed to to bill me during period.
Product: Credit reporting or other personal consumer reports

VIOLATIONS OF PRIVACY : PRIVACY ACT OF XXXXXXXX XXXX XXXX The INFORMATION RELATING KIMBALLTIREY IS NOT RELATED TO ANY TRANSACTION or Contracts in the name of CONSUMER. XXXX will need to provide the direct contract in which they have with the company who sold them a debt proving that they are authorized to collect for this said company and that they are not just a company that bought a debt According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right for privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared which is confirmed by law 15 USC 6801. : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission which is against the law. 15 USC 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 the information is inaccurate.

15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX and Equifax are not maintaining reasonable procedures. 
15 USC 1681C-2 block of information resulting from identity theft A consumer agency shall block the reporting of any information in the file of a consumer that consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 USC 1692e7 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Product: Credit reporting or other personal consumer reports

After i submitted my complaint for investigation they changed the information but didn't remove it and because of the increase they added it has caused my score to decrease because of the increased credit limit whoch i never consented to transunion equifax or experian to report which they have yet to remove all inquiries to which i never consented too also the consumer reporting agencies are not fiduciarys and can not lend credit or determine my credit worthiness based off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

XXXX is double reporting some student loans on my credit report and keeps saying theyre escalating it but i first noticed this on XXXX XXXX XXXX and the double reporting is STILL there. I filed a CFPB complaint but XXXX just copied and pasted in a default response that didnt actually address my issue. This is impacting my credit scores and a violation of FCRA. In the attachment youll see my credit report and my student loan list in my portal. Youll notice that everything is listed twice in my credit report but with differing balances because of XXXX reporting issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I have tried several times to dispute inaccurate information that is on my credit report and it has not been properly investigated. Please remove all negative reporting immediately as I have submitted several request and within days the investigation is over and it has not been removed. I have also had instances where it will state that it was removed although it has not. I have collections, late payments, and inaccurate information to include incorrect addresses and phone numbers.