23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/2023, I noticed an ATM charge in the amount of {$180.00} that was charged to my debit card on XX/XX/2023 in XXXX XXXX, XXXX When the charge was made, I was in XXXX, XXXX. After returning to the XXXX, I called Capital One to file a fraud claim. Capital One provided a provisional credit, then sent an email on XX/XX/2023 stating the claim was denied due to the assertion about the debit card possession and transaction information and the credit would be removed on XX/XX/2023. 

After receiving the denial email, I called Capital One to assess the reasoning behind the denial and request documents with evidence used to research my claim. The agents I spoke with said the claim was denied because the card chip and pin were used. I let them know that I was not in XXXX XXXX at the time the charge was made, and I had my boarding pass as proof. I sent an email with my boarding pass on XX/XX/2023 to prove that I was not in XXXX XXXX. My flight went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX ( XXXX ). 

Even though I provided my boarding passes as proof, Capital One still removed the provisional credit on XX/XX/2023. I called again that day to check whether my boarding pass was used to reopen the claim and inquire on why I had not received documents of their evidence. I resent my boarding pass and requested the documents once again. 

On XX/XX/2023, I received an email from Capital One card investigations with an attachment stating they were standing by the denial of my claim and provided a screenshot of an excel spreadsheet that was illegible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$310.00}
Product: Debt collection

The issue is with XXXX. Ive made many calls and disputes to remove a collection account in the name of Receivable Management LLC. I have paid this account in full. Both me and the creditor from Receivable Management have made an agreement to request for XXXX that the account be deleted, yet after these attempts the account remains on my report. I have supporting documentation of the agreement via email. Im trying to clean my credit up and this is hindering it.
Product: Credit card or prepaid card

There is a charge on my credit card for a product that I never received and would like to dispute. It is a computer keyboard that was supposed to arrive on XX/XX/2021 but I still have not received it today on XX/XX/2021. The merchant does not respond to any communication. Please dispute {$170.00} charge from XX/XX/2021 from XXXX, XXXX CA XXXX US. I've tried to initiate a dispute online and messaged Commerce Bank customer service as well via the online portal, but neither has been successful for initiating the dispute so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Again, please reinvestigate if the following accounts as they are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

In response to XXXX 's representation letter I mailed them a letter to their XXXX XXXX ( the only address on the letter and also their automated phone message confirmed this mailing address ) requesting Verification of Debt and all account documentation. 

In addition to the Verification of Debt request, my letter addressed XXXX 's FDCPA overshadowing violation. XXXX sent out a second letter approx. 2 weeks after their representation letter was mailed demanding immediate payment overshadowing my right to dispute the debt. 

XXXX does not pick their mail up as a method to not respond to inquiries such as mine. When I called XXXX during their normal business hours to obtain another mailing address, every extension went to a voicemail. It was impossible to speak with a live person.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I fell Victim to what I have now discovered to be know as Browser Scareware from a tech support scammer XXXX XXXX XXXX XXXX. I was advised by a pop up message from XXXXXXXX XXXX XXXX XXXX  that my bank account was compromised and to call XXXXXXXX XXXX XXXX  to discuss how to protect my account I did call the number and was told that my account was at risk and that I should wire transfer the funds to a U.S. Federal Reserve System Wallet Account to be opened in my name until the Bank 's Fraud Dept. could run a trace and discover who they say was embezzling from my savings acct. 
I complied and Wire Transferred the amount they gave me ( {$100000.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX. That bank then deposited the funds into an account the scammers set up, using my XXXX Driver 's License as ID and an email address they set up at XXXX The account # 's and ID was changed by the scammers moments after the funds hit the account at Coinbase , Inc . 
I reported this to my local police dept., their detective division, the FBI, FDIC, Federal Trade Commission, XXXX XXXX, IRS, DMV, Social Security, Senators XXXX XXXX XXXX and Congressman XXXX. To Date nothing has been done to help me recover and prevent this from happening again. The FDIC has investigated thoroughly and suggested I contact you. I have all of the documents, phone # 's used by the scammers to provide you in your efforts. I am hoping that Coinbase , Inc. will do the right thing and talk to you and hopefully me to resolve this situation. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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
Product: Credit card

XX/XX/23 dispute was open on XX/XX/23 dispute was paid XXXX dollars for both accounts to reference XXXX told credit will be restored when payed have receipts that it was payed.have not missed any payment have proof of in my payment history.the company has violated my rights title15 USC 164 rights
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX $ - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$46000.00} - Chargeoff XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a victim of fraud. I filed a police report with my local Police Dept. Discover first credited me for the fraud and then charged me with the fraud on the replacement card. I now have a XXXX point drop in my credit and the fees and interest on the Discover Card continue to accrue. 
I can provide proof that Discover removed the fraudulent charges. 
I can provide a copy of the Police Report. 

I canceled the Discover Card. 

I am still being harassed by monthly bills, interest, penalties and my credit destroyed because of Discover. 

Thank you.
Product: Credit reporting or other personal consumer reports

I discovered again 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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX credit card open last year when I was under age and I never knew about it. This year ( XX/XX/2024 ) I have dispute it off my credit report and it have been investigated as accurate but it still affecting my credit and I did not open this account
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this complaint against Experian Information Solutions , Inc. due to their failure to remove an inaccurate bankruptcy record from my credit report, despite receiving clear evidence from XXXX confirming the error. XXXX has acknowledged their mistake in providing Experian with this false information and has provided written confirmation that the bankruptcy record is being removed from their records ( Dispute Case # XXXX ). I have also provided Experian with a letter from the bankruptcy court verifying that no such information was shared with Experian or XXXX. 

Despite my efforts to resolve this matter directly, Experian has failed to take appropriate action. Their automated phone system does not allow for meaningful communication, and their website provides no clear avenue for resolving this type of dispute. Additionally, Experian has not reviewed this matter with the thoroughness required by law. This negligence is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), as demonstrated by the following : Violation of FCRA, 15 U.S.C. 1681e ( b ) : Experian failed to use reasonable procedures to ensure maximum possible accuracy in my credit report.

Violation of FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) : Experian neglected to remove unverifiable information after receiving evidence that the bankruptcy record was incorrect.

Violation of CFPA, 12 U.S.C. 5531 ( c ) ( 1 ) : Experians failure to provide adequate dispute resolution processes constitutes an unfair act or practice. 

These actions align with issues outlined in a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlights their failure to reasonably investigate disputes, forward relevant information to furnishers, and ensure the accuracy of consumer reports. 

Action Requested I request that the CFPB : Investigate Experians failure to comply with FCRA and CFPA obligations in handling my dispute. 
Ensure Experian promptly deletes the inaccurate bankruptcy record from my credit report. 
Require Experian to confirm the resolution of this dispute with a written notice reviewed by a human, not an automated system. 
For reference, I have attached : The confirmation letter from XXXX acknowledging their error and removal of the false bankruptcy record. 
A letter from the bankruptcy court confirming they did not provide the disputed information to Experian or XXXX. 
My prior correspondence with Experian, including proof of my attempts to resolve this matter. 
I demand a resolution to this matter without delay. This false information is causing significant harm to my creditworthiness and financial well-being. 

Thank you for your attention to this matter. 

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

I am writing to dispute the handling of my personal financial information and to assert my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6802. I believe [ XXXX XXXX XXXX ] has violated the GLBA concerning [ specifically describe the information you believe was mishandled. " the unauthorized sharing of my financial information with a third party, '' " the failure to provide me with a clear and conspicuous privacy notice, '' or " the failure to implement adequate safeguards to protect my personal financial information ''. 

I received a notification that my account information was shared with [ XXXX XXXX XXXX ]. I did not provide consent for this sharing. '' and " I requested a copy of your privacy policy and have not yet received it. " ].

15 USC 6802 places restrictions on the disclosure of nonpublic personal information. " I believe this action violates 15 USC 6802 ( a ) as it constitutes the unauthorized disclosure of my nonpublic personal information to a nonaffiliated third party. '' and " I believe this action violates 15 USC 6802 ( b ) as I have not received a clear and conspicuous initial privacy notice. '' ] I request that you immediately investigate this matter and take corrective action to ensure compliance with the GLBA. This includes DELETE this account from my credit report I expect a written response within 14 days outlining the steps you have taken to address this issue. Failure to adequately address this matter may result in further action, including but not limited to filing a complaint with the appropriate regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$27000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
- ACCOUNT- 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$27000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix all hard inquiry it shows i have XXXX i dont know what they are it is hurting my credit. 
XXXX morgage XXXX XXXX XXXX Classic XXXX XXXX XXXX XXXX Consumer portfolio XXXX XXXX XXXX XXXX Central XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional acceptance XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is XXXX of the hard i quires i have on credit and have tried to talk to them they all say they cant help i would like them taken of my credit llease ... 
XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

The Vehicle from original creditor, Bridgecrest ( XXXX XXXX XXXX ) was repo 'd in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. Bridgecrest THEN sold my information without my knowledge to a third party ( XXXX XXXX XXXX ). The account has been reported as a charge off and NOT a repo. It was repo 'd and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? XXXX XXXX XXXX has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. Bridgecrest is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), XXXX XXXX XXXX falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in XXXX.
Product: Mortgage

To whom it my concern : My name is XXXX XXXX XXXX, I have Loan with Select Portfolio Servicing, Loan # XXXX and I have a complain the way SPS is handling my situation and the way how they have been treating me. 2 years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked Select Portfolio Servicing for help asking for a Loan Modification program or any other relief available. It is very hard to deal with Select Portfolio because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by Fax many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from Select Portfolio, I am frustrated and stress and I feel Select Portfolio is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to Select Portfolio to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am XXXX Citizen and I 'm wondering if Select Portfolio does n't want to help me because I am XXXX XXXX I feel discriminated by Select Portfolio Servicing. 

XXXX published on XXXX/XXXX/2015 " Select Portfolio Servicing former employees : We were told to lie '' the article is based on employees of Select Portfolio routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX