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

Hello, I the consumer have an account with Capital One and currently Capital one is reporting negative derogatory information/ late payments/ adverse items on my credit report to all XXXX credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX ) from the past and presently. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC, which 6801 states that it is the policy of the 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. Capital One is a financial institution under title 15 U.S.C. 1681b ( a ) reads in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. Also, Privacy Act of 1974 also known as 5 U.S.C. 552a ( b ) states Conditions of Disclosure - No agency shall disclose any record which is contained on a system or records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. There was no written request from me the consumer to Capital One. Also, 15 U.S.C. 1681c ( a ) ( 5 ) says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account and the multiple marks are being reported are adverse items, and it is being reported without my permission or consent, which is against the law. 
As of today XX/XX/XXXX, per the FCRA as a federally protected consumer Im now opting out and rescinding of all authorization I the consumer may have given Capital One : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely on reporting all my private nonpublic information per 15 USC 6801 & 15 USC 6805 effective immediately and indefinitely Lastly, per 15 usc 6802 I lawfully opt out.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Bank of America froze all of the money in my business checking account, approximately {$120000.00}, they placed the account on a suspected fraud hold and only when I reached out did I find out that any of this had happened. Meanwhile they continued to accept deposits on my behalf but would not allow me any information on what was happening with the funds in the account, or let me withdraw anything. This lasted approximately XXXX weeks before they decided to close the account and disperse a check for around {$52000.00}, while withholding the other {$76000.00} for an indefinite amount of time. This was all of my operating capital and caused a horrible disruption in my brand new business, not only that they called my customers and told them they were doing business with a fraud company, without so much as a phone call to me to ask what the transactions were about. They have terrible business practices and cost me upwards of {$50000.00}, as this was the busiest time of year for my business and I had to go out and find new banking. They still have not sent the rest of the money back to the sender or to me, its been three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Prospect Financial Group , Inc. in XXXX XXXX, CA is an unprofessional lending group. What should have been a quick and simple refinance it turned into dealing with a company that made false promises and them dragging out the process that never went any where. They did not provide me with my good faith estimate within XXXX business days once I provided my application. On day XXXX, I still did not have my GFE. This company is out of compliance with HUD.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, as several fraudulent accounts have been opened in my name without my authorization. I did not apply for or consent to these accounts, and I have no connection to the individuals or entities responsible for this fraud. This activity is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. I have taken steps to address this issue, including filing this report and contacting the credit bureaus to request fraud alerts. I request that these fraudulent accounts be investigated, closed, and removed from my credit report. Please let me know if additional documentation is required.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXXXXXX XXXX ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Debt collection

About two years ago I mailed them a letter, per their instructions, asking them not to contact me again about a debt. Not only has it been paid, but it has also been over 15 years. At that time they were calling and sending letters to me. Both stopped soon after I sent the letter. 

About a year ago the calls and letters started back up. I answered one of the calls and said I did not want to be contacted ever again, the woman on the phone said she marked me down to not contact again. I also emailed them requesting the same thing, and I filed a complaint through this website. All contact stopped. 

Now a year later, I received a letter about this same debt. I emailed them earlier today and now I am filing another complaint to stop this before it gets out of hand again. 

It's obvious this place is more of a shady telemarketing company than it is a debt collector. They wait a year hoping you will forget how wretched their practices are and start the unwarranted harassment again.
Product: Debt collection

Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX. Claims I owe {$230.00}. but when I asked them to further verify the debt since I believe I paid the original creditor in full
Product: Debt collection

On XX/XX/2019, I received a call from a collections agency for the first time regarding a debt that was charged off by the creditor over 2 years ago ( I called the original creditor over two years ago to pay debt and they would not allow me to ). They told me of a debt owed, but there was nothing in writing prior to the phone call. They threatened to send their attorneys after me if I didn't pay. I told them that I would like to see in writing the debt that was owed and give me a week to resolve the situation. I spoke to a manager and he said he would email me the information. He sent a protected file that I could not access. I replied twice for him to check and send again. No reply. They are now calling me on XX/XX/2019 ; several phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. The Credit Bureaus are required to remove the disputed accounts and information that resulted due to identity theft or else proove that the disputed items belong to me my providing proof of authentication such as documents bearing my signature. I need the following items deleted from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} Date Opened : XX/XX/2015
Product: Debt collection

XXXX charged off as bad debt on XXXX  yet they continue to report as missed payments monthly on my credit report. Also the amount last owed was {$4900.00} as of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Experian for failing to update my personal information in their records as I have repeatedly requested.
Product: Checking or savings account

I was called via a spoofing scam in early XXXX. The number on my phone showed up as Wellsfargo. It was someone saying they were with the bank ; they confirmed all of my account info, balances and last transactions. They told me someone had stolen my credit card and had committed fraudulent charges. The last thing was that someone had initiated a wire for XXXX and in order to reverse it I had to wire the money back to myself ( this did not make sense to me but I trusted that they were from the bank ). They had put in a fake " XXXX XXXX '' wire recipient that was actually their own account. 
I completed the wire for XXXX and two hours later contacted Wellsfargo to check in on my " fraud ''. 
They said there was no fraud on my account but that the person I wired money to was actually the criminal. 
I asked that they freeze the wire immediately. 
I called dozens of times that day to confirm they had cancelled it and a week later found out they did not even try to contact the recipient Bank ( XXXX XXXX XXXXXXXX ) until XXXX that day ( over four hours after I called them ). 
They have denied my reimbursement requests and have said this was my fault because someone found out my password ( no one knows my password, somehow this account was breached and I was not notified by Wellsfargo ). 

Today, I found this article in which these people were victim to the exact same crime ( instead of XXXX, mine was a bank wire ) and they were eventually reimbursed : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I found this ( I have also filed a complaint with the CFPB ) In a XXXX ruling, the Consumer Financial Protection Bureau ( CFPB ) that oversees financial policies and regulations clarified their position that the Electronic Fund Transfer Act of XXXX, known as Regulation E ( " Reg E '' ) that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX ( XXXX ) 6. XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Account Name : 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 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

Tried to get inquiries removed from my accounts with XXXX, XXXX, and Equifax told them that they were not authorized but the companies refuse to remove them.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1800.00} XXXX FCU XXXXXX*********** Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$38000.00} XXXX FCU XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XX/XX/year>
Product: Bank account or service

I was scammed from the Internet of {$40000.00} from my Former WELLS Fargo bank account including my credit Card. The bank did nothing to stop these professional scammers from taking the money out of both by checking account and credit card. They made me believe that they were putting money in my account so I could sent it to their in-need relatives in XXXX. IN reality they were removing all the money from my bank account. The bank has denied all my requests for help. Now they want me to pay them over {$10000.00} for credit transfers I did not make.
Product: Credit reporting or other personal consumer reports

I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I disputed the accuracy of certain negative items on my credit report, including a bankruptcy. I also requested specific information on how these items were verified, including : The date TransUnion contacted the creditors or furnishers. 
The contact information of the creditors or furnishers. 
The name of the individual who verified the disputed information. 
The method of communication used to verify the information. 
Whether my personal information ( e.g., Social Security number, address, date of birth ) was provided during the verification process. 
To verify my identity, I included a copy of my Social Security card, government-issued ID, and a recent proof of address in the dispute letter. 
On XX/XX/year>, I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, if the completeness or accuracy of any information in a consumer 's file is disputed, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the information is inaccurate. XXXX refusal to investigate my disputes despite proper documentation and identity verification is a clear violation of this requirement. 
Additionally, TransUnion has failed to provide the requested details on how they verified the disputed information, further demonstrating their noncompliance with the FCRA. 
Attachments Provided : Copy of my dispute letter dated XX/XX/year>. 
Proof of mailing ( USPS tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ). 
Copies of my Social Security card, government-issued ID, and proof of address provided with the dispute. 
TransUnions response dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

They wont remove hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several documents into Equifax asking them to remove this bankruptcy from my credit report. On  X/XX/2016    they sent me a letter  (  #  XXXX   )  saying my BK had been dismissed / discharged send in proof. I sent in my discharged BK paper .Then t hey sent me a copy of my credit report wit false information stating listed that Georgia  Fed  eral Court -Atlanta is source verifying my BK. Georgia Federal Courts do n't report to third parties. and they do n't report to credit bureaus. That is false information being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX CARD XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  ( Miscellaneous ), 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 cannont furnish a account without my written instructions.