23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/24 Dear Consumer Financial Protection Bureau, I am Writing to file a formal complaint against Capital One for their violation of my consumer rights as protected by the Consumer Financial Protection Act. It has come to my attention that Capital one has placed a charge off on my Consumer File. Not only does this debt not belong to me, but the reporting of this information is also inaccurate. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
DUTY : a moral or legal obligation ; a responsibility ACCURATE : correct in all details ; exact PROHIBITION : a law or regulation forbidding something The Lender must file form 1099-C and send you a copy of the amount If debt cancelled is {$500.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity. 
As Defined by The IRS Even if you didnt receive a Form 1099-C, you must report canceled debt on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account INACCURATE! 
The actions of Capital one constitutes a clear violation of 15 U.S Code 1681s-2 ( a ) ( 1 ) ( A ). I urge the Consumer Financial Protection Bureau to investigate this matter promptly. Also, I request regular updates on the investigation 's progress and any actions taken as a result.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letters to Experian, XXXX and XXXX asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe Experian has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded .I have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.
Product: Credit card or prepaid card

my XXXX  credit card formerly issued with XXXX a visa card has been switched without my permission to the worst credit card company with the most unprofessional customer service. BARCLAY BANK never sent me a new card as per the agreement and the notification i received by mail!!! ..8 hours..5 phone calls had to leave my XXXX XXXX  mother with a neighbour! ..my mother has received her card..an extra was given in my name..i am supposed to be receiving my own replacement card!!!!! i tried to register the card my mother got in my name..it is not working!!!! ..BARCLAY NEEDS TO BE MORE RESPECTFUL OF PROSPECTIVE CUSTOMERS! I WANT MY OWN CARD AS I HAD WITH MY XXXX XXXX CARD!! EITHER WAY..NO DEALING..NO RESPONSE..UNABLE TO REGISTER THE CARD MY MOTHER RECEIVED AS AN AUTHORIZED USER!!!. issue me replace my visa/XXXX with a credit card in my own name!!! ..i do not want to be an authorized user! i want a new cards in my name..only! you have no idea how frustrating and aggravating this is! i never miss ANY CREDIT CARD PAYMENTS! HAVE AN EXCELLENT CREDIT SCORE! 1 ) I WANT A NEW REPLACEMENT CARD FOR THE ONE DID NOT RECEIVE! i want to register it online so i can pay any charges that are incurred... i curse the day chase switched it's XXXX card to these numbskulls! ..i am considering legal action against BARCLAYS! ..please intercede on my behalf! i would have a better chance of talking to XXXX with a XXXX XXXX  than these uncaring selfish idiots! they knew this was happening -- get more customer agents! ..please get in touch with BARCLAYS let them know that i did not get my own card!!!!!!!!!!!!!! thank you j. senning.see how you or anyone else would like to be on hold for 9 hours!!! i have enough to do... i do not need this unprofessional behaviour from a bank issuing this credit card..
Product: Credit reporting or other personal consumer reports

I This CFPB complaint has been filled to request pursuant to FCRA *605B ( 15 U.S.C * 1681 c-2 ) that you Transuion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint this fraudulent, inaccurate and false information consists of a personal credit card account opened at ( XXXX XXXX ) XXXX XXXX / 3 account opened at XXXX Bank on XXXX XXXX XXXX .account opened on XXXX XXXX - XXXX  on XXXX 3 account opened at XXXX on XXXX. XXXX. XXXX account opened at XXXX XXXX , XXXX XXXX XXXX XXXX account opened at XXXX XXXX /// XXXX XXXX  XXXX // XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Suntrust bank. I mobile deposited my pay check. I was initially alerted my funds would be available next day. The next day I was told my account would be on hold for another XXXX  days. They refused to give me any explanation as to why other than they were tipped off that my my check may not clear. I told them if there was an issue with the check I could call the states comptroller officer to clarify it because I work for the state. They refused and gave me no access to any of my money. They also refused to simply stop processing the check so that I could go elsewhere. I verified the check with the Maryland XXXX XXXX XXXX. There is nothing wrong with the check. I now have late fees on bills that I needed to have paid. They even told me they could not give me more information because it is confidential. How can my own information and my own check be confidential to me? I spoke with the the supervisor and still was told that they could not release my money for XXXX  days. They refused to even give me an explanation as to how they came up with the random date of XXXX days away. They literally took my money and wont give it back. It was {$1800.00}. I have bills and a family that depend on my check. Im not sure why a state issued check would be a red flag or how opening an account with them would flag as suspicious. That makes no sense. So Im penalized for opening an account with them? They havent even gave me the initial {$200.00} or so they give people access too while a check clears. They have my entire check on hold!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that the information on my credit report has been impacted by a credit bureau breach. As a result of this breach, my personal information has been compromised, leading to inaccuracies or fraudulent activity on my credit report. 

I take the security of my personal information and credit history seriously, and I have taken proactive steps to address the situation. 

These steps include : Reviewing my credit report regularly for any unauthorized activity or inaccuracies. 
Disputing all inaccurate or fraudulent information found on my credit report. 

I have attached documentation related to the credit bureau breach, including any correspondence I have received regarding the breach and any relevant evidence of unauthorized activity on my credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. 

I demand the following accounts be removed immediately : XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$8100.00} XXXX XXXX  VALIDATION OR DELETE {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$2200.00} XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$710.00} UXXXX XXXX XXXX VALIDATION OR DELETE {$10000.00} XXXXXXXX XXXX XXXX VALIDATION OR DELETE {$11000.00} XXXX XXXX XXXXXXXX XXXX VALIDATION OR DELETE {$5.00}, XXXXXXXX XXXX XXXX XXXX XXXX  VALIDATION OR DELETE {$560.00} XXXX & XXXX XXXX VALIDATION OR DELETE {$980.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$290.00} XXXX XXXX XXXX VALIDATION OR DELETE {$330.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$530.00} XXXX XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$300.00} XXXX XXXX XXXX XXXX VALIDATION OR DELETE {$5500.00} * Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bad credit report from convergent outsourcing for unpaid sprint bill I paid it up in full on XXXX Confirmation # XXXX of payment for Convergent outsourcing XXXX agent Name : XXXX XXXX She said can't email confirmation so above is the confirmation number. 

XXXX i called XXXX to remove bad credit report they said convergent outsourcing put in on their responsible to remove it. 

XXXX spoke to : XXXX XXXX XXXX Supervisor Convergent outsourcing handles sprint accounts Asked her to remove the negative report from my account she declined! 

i was hit with over XXXX points going down my score! and negatively effecting my credit, essentialy Locking me out of functioning financialy. 

I had an excellent credit over 770! 
Now i got hit like crazy showing credit score is now XXXX!!
Product: Credit reporting or other personal consumer reports

Hi recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate this its the account name XXXX XXXX XXXX account number XXXX and XXXX XXXX accounts XXXX its for {$16000.00} and the other XXXX its $ {$12000.00} thank you very much
Product: Money transfers

On XXXX XXXX, 2016 i wired money to XXXX via western union services, on the following day, XXXX XXXX, 2016 my sister who was the person to receive money went in to XXXX XXXX to retrieve money, the teller pulled up the info and went to get money but once she had money in her hand she turned to my sister and told her there was an error on the computer system and was n't able to complete transaction ... money was never given to my sister nor did she sign for it, i contacted western union immediately and was told they would be investigating this case and have since called in on daily basis only to hear them say they are looking into this, i need my money asap and would like immediate action taken on my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best to their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on-time as they should be as I was NEVER late. Thanks.
Product: Vehicle loan or lease

To whom it may concern I am writing to dispute the accuracy of the information on my credit report. Specifically, I am concerned about the false verification of information that is negatively affecting my credit score. 

According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute any inaccurate or incomplete information on their credit report with credit bureaus. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires credit bureaus to conduct a reasonable investigation into any disputed information and provide the consumer with a written report of the investigation 's results. 

In my case, I have disputed the accuracy of certain information on my credit report, and the credit bureau has verified it as accurate without conducting a reasonable investigation. This is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( A ), which states that credit bureaus must investigate all disputes, including those deemed frivolous. 

Additionally, the credit bureau 's failure to investigate my dispute violates FCRA Section 611 ( a ) ( 6 ) ( B ), which requires credit bureaus to modify or delete any inaccurate or incomplete information within 30 days of receiving a dispute from a consumer. 

Therefore, I request that the false verified information be deleted from my credit report immediately in accordance with FCRA Section 611 ( a ) ( 6 ) ( B ) and that the credit bureau conducts a reasonable investigation into my dispute in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ). 

Thank you for your attention to this matter. i was shot and robbed my id was apart while i was in XXXX  my idenity was used
Product: Prepaid card

I have a online account w NetSpend they closed my account with our noticed I have money in the account. NetSpend refuses to allow my money to be relesed to my cash app card they now say I need a id I've never been told this
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ XXXX Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX I /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$450.00} XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} writtenoff. {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed
Product: Debt collection

I have disputed this debt and I have attempted to get the debt validated from the collection agency which they refuse to do. Instead of validating the debt they have sent me old bills explaining a balance that does not belong to me. I am not responsible for this debt and would like to have it deleted from all three consumer reporting agencies.
Product: Debt collection

On XX/XX/year>, was my recent request to Portfolio Recovery Associates LLC for proof of the Debt sent by mail with a certified return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit card

Hi, in late XXXX, then an XXXX customer, I was notified that all their branches on the XXXX were going to be handed over to Citizens Bank . It was not my choice, although I could have shopped around for a better banking option. I was told by XXXX that everything in the process was going to be easy and seamless. 
Compared to XXXX, I was given little information by Citizens Bank on how things would be handled. 
My accounts ' balances were transfered over in early XXXX ( checking, savings and credit card ), and I was sent a new credit card, which I immediately started to use. 
I went by the book, and trusted that the process will be easy and that I didn't have any action to take, but in XXXX, I realized that I was charged interest because my credit card payment preferences hadn't carried over from XXXX. With XXXX, I was paying the " full balance '' in order to avoid paying interests, but with Citizens, I was downgraded to " pay the minimum due '' without having signed any credit card agreement. 
In total, between XXXX and XXXX, I was charged the colossal amount of {$790.00}, which I want to dispute altogether. 
I had called Citizens Bank several times, but they never agreed to reimbursing me the entire amount, given the circumstances. 
I am providing the last 8 digits of my credit card account number for reference and identification.
Product: Credit card

On XX/XX/XXXX we purchased instacart plus using the chase Sapphire reserve credit card. Expecting it to be a part of the promotion offered by Chase that a year would be reimbursed for instacart plus if purchased by XX/XX/year>. We purchased by the end of XX/XX/year> and they said that it needed to be purchased by XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report on XX/XX/18 and I seen an inquiry from a company called XXXX XXXX XXXX  a finance company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX and its showing as an inquiry and I never applied for any credit from this company because I am in bankruptcy so how they showing an inquiry from me has me as a lost, please remove this inquiry and all of this other negative information because I have never applied for any credit with them.
Product: Debt collection

Spotloan refused to change the date that they debited my account even after I advised that they were creating overdrafts on my bank account. A XXXX XXXX left a message on my cell phone at XXXX advising that he intended to serve me with paperwork at my place of employment and/or at my residence by the end of business on Friday. XXXX XXXX also contacted the central office for my employer and left the exact same message. Once I had a break, I called the number that the call to my cell phone came from ( XXXX ) XXXX and was advised that they were a locating service and that I needed to call XXXX, the number that was given to my employer to get back in touch with XXXX XXXX. When I contacted the XXXX, I asked to speak to XXXX XXXX and was put on hold for several minutes and the same man that answered the phone told me that I had returned checks to Spotloan and began to become belligerent with me. When I tried to speak, he hung up the phone on me. I called back and he told me not to call him any more. I called back again and advised him that there was a witness to the phone conversation. He wanted the name of the witness but refused to give me his name or the name of his company. He then threatened to call my principal and tell them that my witness and I were calling him during the time that we were supposed to be XXXX, which was not what I was doing. After I got home, I called back and spoke to yet another man who failed to identify himself or the company who tried to get me to give him a debit or credit card that he was willing to postdate for the remaining payment. I told him that I would need to speak to my husband first. The person that I spoke to advised that I had 24 hours to get back to him and that he would call me back at XXXX to discuss my plans. After speaking to him, I called Spotloan and learned that they sold my account to XXXX XXXX on XXXX XXXX, 2016 and that they no longer had anything to do with the account. After called the XXXX number again after XXXX, I got a recording that identified the company as either XXXX or XXXX. I am not comfortable with giving out my debit or credit card information to this company without paperwork regarding this situation or for a postdated transaction.