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

I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XX/XX/, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXX '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX =. Case #. XXXX Set up a case with XXXX requesting Capital One Bank Participate in Arbitration - I have paid the {$200.00} fees and Capital One has yet to respond. The deadline was for XX/XX/XXXX. XXXX. 

I paid for the cost of the Arbitration however Capital One has not. The XXXX sent numerous requests to Capital One via certified mail but to date has been ignored. 

According to the Terms and Conditions of. Capital One I am required to start a Arbitration action prior to any civil action. 

I am requesting that the CFPB contact Capital One and advise them to continue the Arbitration Process. 

Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and experian has not sent my credit report ftc violation trying to fix the inaccurate information on credit report
Product: Debt collection

XXXX emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXX XXXX XXXX XXXX complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of XXXX from its credit report Experian willingly continues to participate in XXXX  fraudulent scheme. One of many of Experians corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both Experian and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : XXXX XXXX # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. Experian respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

Experian has been repeatedly advised to request of XXXX XXXX XXXX XXXX its XXXX mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from XXXX XXXX XXXX notes on the account say : XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XX/XX/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX  I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can XXXX run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX Credit Report # XXXX is FRAUD.
Product: Credit reporting 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX ARE REPORTING INACCURATE INMFORMATION ON MY CREDIT. THEY KEPT ON PUTTING THIS ON MY CREDIT. I JUST WANT THIS ITEM DETLETD OFF MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX, TRANSUNION AND XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I scheduled a payment in advance with XXXX Credit card ( Synchrony Bank ) for it to process on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my bank notified me of this payment and rejected it due to non-sufficient funds. XXXX deposited the payment early. I have been making payments to XXXX for a few years and the payments never hit my bank account on the same day within a few hours of submitting a payment to process. There is also a disclaimer on their website that indicates when a payment is made, it takes XXXX for processing. My bank statements also shows that scenario as well. The purpose of this complaint is make everyone aware that XXXX will submit and process a payment in advance and not on the date that you ask them to process the payment and to never set up a post dated check because they process it in advance.
Product: Checking or savings account

I deposited a check from XXXX XXXX in the mobile app. I understand that the bank has a temporary hold on mobile deposits. However, US Bank placed a hold on the entire amount and I overdrafted as a result. I was under the impression that a portion of a deposit is made available. The deposit was from my investment account for nearly {$3600.00}. The bank has held the deposit for verification for 7 days. I have not had this happen previously. I was told that since I hadn't used the mobile deposit since XXXX, the deposit needed to be held. I was unaware that banks are allowed to do this for a deposit of funds, especially if the check was from a commercial entity.
Product: Checking or savings account

I submitted a complaint with ID # XXXX on XX/XX/31. Wells Fargo 's response was a complete and utter lie. They said that they investigated themselves and found that they did nothing wrong, and I have no recourse as the CFPB blindly accepted Wells Fargo 's version of events. My wife independently verified the deposit prior to placing it in Wells Fargo 's ATM, and to this date, Wells Fargo has not provided me with any proof or documentation of the accounting history of that ATM, or the cassettes inside, and are just telling me to trust them. We had literal tens of thousands of dollars in deposit accounts at Wells Fargo, and well over 100k moved through our accounts per annum. Why would I be trying to scam them out of {$100.00}, and why do you, the CFPB, the organization who is supposed to be looking out and PROTECTING the consumer, allow them to steal from us with no recourse or evidence whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. One of my addresses was missing from the report so I called them to have it added and they wanted me to send them a copy of my deed. Because the property doesn't have a mortgage on it, they said I had to prove that I owned it before they would add it to my report. Since they can not be trusted with my personal information I refused to send it to them. I do not think it is appropriate for a credit reporting agency to request a copy of my deed.

2. They show a mortgage check numerous times for the same home. I had been advised when applying for a mortgage that it would only show up one time since closing can be a long time out. It is every month for 5 or 6 months that they show it as a hard inquiry on my report. I requested this be corrected to no avail. I received an email saying it was complete but when I tried to get into the file it stated there wasn't enough information on me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which only two are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am writing to address a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) concerning the reporting of account XXXX. It has come to my attention that your company has reported inaccurate information to the credit reporting agencies, which is a direct violation of my consumer rights. 

The account in question was paid in full in XXXX, and it is erroneous that XXXX XXXX is reporting the date last active as XXXX. This discrepancy misrepresents the accurate information regarding the account status and activity. 

Furthermore, there was a prior agreement that this account would be removed from my credit report upon payment. Despite this agreement, the company has failed to uphold its commitment, resulting in a direct violation of my rights to have a fair and accurate credit report. Lastly this company is nonexistent, so there is no way that you could have verified this information. I have called the number provided and googled the address and the company is XXXX XXXX, so XXXX and Transunion are reporting inaccurate information. 

I am formally demanding the immediate removal of account XXXX from my credit report. This removal should be completed within 30 days from the receipt of this letter to avoid further legal action. It is imperative that your company rectifies this situation promptly to ensure compliance with the FCRA. 

Please consider this letter as an official notice of my intent to pursue legal action if the requested removal is not executed within the specified timeframe. I trust that you will take this matter seriously and take the necessary steps to address this issue promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The following employer does not belong to me XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX   XXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me, I have never paid the XXXX/XXXX ( XXXX ) late, the XXXX ( XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, PA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$63.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Balance : {$50.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Credit card was closed by bank w/o warrant so I reciprocated but every time I call or live chat I just got the run around now I have XXXX  out balance and am received monthly maintenance fee
Product: Credit reporting or other personal consumer reports

Requested a copy of my free annual credit report was shocked to see what was on it its causing me great stress that I cant buy a home for me and my family because of incorrect information on my credit report
Product: Debt collection

Spoke to XXXX and XXXX at Receivables Management Partners on XX/XX/XXXX. Filed an official dispute of debt. XXXX confirmed all collection efforts will stop until after the debt is verified ( or not ). 

I received 2 calls on XX/XX/XXXX, 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, and 1 call on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Account was opened up as a result of identity theft and was not investigated properly. Submitted multiple police and ftc reports to credit bureaus. Never signed any contract with company or had any account with them XXXX XXXX XXXX investments XXXX # XXXX
Product: Money transfer, virtual currency, or money service

This is actually an addendum to the complaint I filed XX/XX/year>, # XXXX regarding a Paypal claim I filed. Would it be possible to merge this complaint into the previous one? 

Last week, XX/XX/XXXX, Paypal denied my claim for a refund stating that I was unable to provide sufficient proof that the item was sent back to the seller. This is an outrageous falsehood as I provided that proof to them multiple times. I filed an appeal, and again provided them with the proof of return and delivery, and today, XX/XX/XXXX, they once again denied my claim, this time shifting the goalpost and changing the reason for their denial : that " the dispute was submitted with insufficient information/documentation to support the claim and we were unable to obtain the required information/documentation after requesting it from you. '' They demanded I bring the item for an evaluation by an independent third-party AFTER I had already informed them that I sent the item back to the seller and that such an evaluation was not possible. They made this request XXXX times, and each time I responded I no longer had the item. Otherwise, I provided them with ample photographic evidence multiple times and explanations and testimonials and it seems all my evidence was ignored. Furthermore, as the buyer, I am the one who decides if a purchase is acceptable or not, not a third-party. What has become abundantly clear is that Paypal will make ANY excuse to justify NOT refunding my money and has now aided and abetted the seller in the theft of my money -- {$1500.00}. This is a crime! 

I did everything I was supposed to. I contacted the seller immediately after receipt of the item to inform them that the item was not as described and in unsatisfactory condition, and wished a refund -- all in accordance with their stated refund policy. The seller promptly blocked me without any discussion. I shipped the item back to the seller within XXXX days of receiving it, with tracking, and it was delivered XXXX days later. There is absolutely NO valid reason for Paypal to deny my claim, withhold my funds or refuse a refund at this point. It's clear that they did not thoroughly examine all the evidence. Their reasons are specious and arbitrary and their behavior is appalling and criminal. 

Where is their buyer protection? This is also false advertising on their part. 

If there is anything you can do to help recover my funds or in obtaining a refund, it would be most appreciated. Thank you in advance.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX