23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One is saying I owe them {$1900.00} from a credit card that was opened on XX/XX/XXXX account # XXXX We are in the process of litigation because they can not provide verification of debt. While printed out my credit report needed for court on the XX/XX/XXXX, I noticed Capital One had created another entry on my report bearing the same account number, but was opened in XX/XX/XXXX for the sum of {$1600.00} and had been closed due to serious delinquency. This did not happen.. And on XX/XX/XXXX, Capital One sold this same debt of {$1600.00} to XXXX XXXX..
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I have autopay setup on my Grain Tech Inc. account and have made every payment on time however was informed that my account reported to the credit bureaus as delinquent. I have records showing I made payments. When I contact grain there is only an automated phone tree that loops back and no live agent is ever available. The only other option is emailing their customer service and I have not received a response in weeks. I also tried to access my account through the grain app but have been unable to login for the past XXXX months. I have reset my password and reinstalled the app multiple times and it does not ever login. I am at my wits end. My credit has been damaged despite having made payments on time, and now I am unable to resolve the issue in a timely manner with grain directly. Please let me know what I can do, and if you have any questions. Thank you for your help with this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, i reviewed a copy of my credit report and saw there was a few accounts that are reporting inaccurate and erroneous. This has caused me so much distress because I am working on obtaining a home loan and this inaccurate reporting has really harmed my credit worthiness. In addition, the inaccurate accounts have the same account numbers, meaning they are duplicate accounts, which is an FCRA VIOLATION. I do not recognize these accounts and I have also checked with the original creditors and they have no record of this debt under my name. XXXX and Equifax have committed Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I do not think it is fair that these bureaus are allowed to misreport on our credit reports causing great harm to our reputation and ability to progress! I would like your assistance in making sure these reporting agencies comply with the FCRA laws and are upheld to only reporting completely accurate accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 credit score over 719XXXX has me at a score around 590. 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I have called US Bank on multiple occasions trying to update my phone number on File so that I can log into my account I first called the number on the back of my Debit card on the XXXX of XX/XX/2023 and I had issues with the costumer service representative she asked what country I was from and I didn't think that was right but she said that was part of the questions she had to ask for verification so I said I wanted to talk to a supervisor about that question.when on the phone with said supervisor she also gave me the runaround about why she was asking me what country i was from I have had nothing but trouble since then with them I have called 5 different times since.trying to get this same issue resolved so i can login to my bank account with no success every time I call I get the runaround saying that the phone number is Updated already.i called on the XXXX of XX/XX/2023 and spoke to another supervisor and heard almost the same from her as well I just want to get into my account I told her and she was Condescending. And rude. all of the US Bank employees I have talked to get this issue resolved has been very rude to me and not helpful and acting like I'm crazy for calling for trying to get this issue resolved they have been saying to me a range of things from you have to login and log out of a computer to also Uninstall the US Bank app on my phone None of this has worked I am on Social security XXXX and this is a lot for me to handle I have also called my payee that i have the account with but they are unwilling to help me please help me resolve this matter. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reporting on my credit report remains inaccurate. please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX XXXX remove all phone numbers, emails, and addresses on my credit report. 

Please remove all the other addresses off my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

Reference : Complaint against, XXXX XXXX for Refund To Whom It May Concern : I am filing a complaint with your office because I am unable to come to a resolution with XXXX XXXX on my full refund of the {$50.00} money order. 

Facts On XX/XX/3022, I notified XXXX XXXX via certified mail that I need a full refund of {$50.00} ( Money order number : XXXX ) and sent in a United States Postal money order in the amount of {$15.00} for processing ( USPS Money Order # XXXX ). 

XXXX XXXX sent me a refund check dated XX/XX/2022 for {$32.00} and deducted {$15.00} for the process and {$3.00} for the check, not being cashed within a year, for a total of {$18.00}. I was unaware of the fee for not cashing the money within a year. Which is not displayed on the back of the money order receipt. 

I contacted XXXX XXXX on Friday, XX/XX/2022, and asked why refund check issues were in the amount of {$32.00} and deducted {$18.00}. I was given the run-around. 

I have been calling XXXX XXXX since XX/XX/2022, XX/XX/2022, XX/XX/2022, and I have placed other phone calls. I was told I would get the {$18.00} back and then changed to {$15.00}. Customer service agents refused to let me talk to a supervisor, claiming they were not available and one would call me back and I never received a call from supervisors. 

I am asking for your office 's help with mediating and helping come up with a resolution. For the refund of one the processing fees. 


Thanks XXXX XXXX Why the money order wasn't cashed within a year. 

The business to which the money was written to, was closed to the public because of XXXX, and a year after sending the money order I was informed the business never received it. The employee was working from home at the time the money order was sent.
Product: Debt collection

Repeatedly called by Receivable Management Services ( of XXXX Ohio ) I have not been informed of any debt but keep getting calls from this company. Everyday since XXXX. The constant calls after I asked them to stop are affecting my job. I have yet to be notified in written form of any debt they claim is owed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this negative and inaccurate accounts needs to be removed off my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 60 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 60 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the Equifax data breach, raising concerns that it may have fallen into the wrong hands.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Debt collection

Pursuant to 15 USC 1692 ( g ), the consumer has the right to demand a " verification '' of debt request. Furthermore, the consumer has the right to receive an accounting, bookkeeping records, or an Affidavit swearing under penalty of perjury that the debt is owed signed by a legally binding officer of the organization attempting to collect a debt. Inevitably, none of these documents were furnished to the " alleged '' debtor. 15 USC 16929g ) subsection ( b ) clearly states ; " the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Please see the attached evidence of the Debt Collector 's failure to comply with national consumer law. The Debt Dispute with Resurgent Capital Services L.P. which " manages '' LVNV Funding LLC was drafted on XX/XX/year> and executed on XX/XX/year>. This mandates that all attempts to collect the " alleged '' debt of {$630.00} must cease until the requirements mentioned in 15 USC 1692g ( b ) are satisfied. The attempt to collect a debt from the aforementioned debt collector dated " XXXX, XXXX  '' is XXXX XXXX evidence of LVNV Funding LLC 's willful noncompliance of the " alleged '' debt collection mentioned above codified in 15 USC 1692g ( b ). THEREFORE, it is the duty of the CFPB to enforce the codes mentioned above.
Product: Checking or savings account

I just want my account back open! Ive been fighting with them for years! They said they are working on it and I have a case number then when I ask about it I get no information and this has been going on for about 3 years now
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I'm baffled as to why they are there. I checked my report as I normally do, and this time, I found discrepancies that seemed to appear out of nowhere. I refreshed my browser to see if it was just a glitch, but the unauthorized inquiries remain. I'm frustrated and demand a thorough review of the documents I've submitted so that I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

In accordance with the Fair Credit Reporting act the following company & accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party under XXXX XXXX Code XXXX unless all three disclosures were satisfied but they were not.
Product: Credit reporting or other personal consumer reports

On multiple occasions, I have requested verification of my account details, specifically asking for proof of the periodic statements and the disclosures required under Section 1637 ( b ) of the Truth in Lending Act. I also requested evidence that these documents were mailed or delivered to me at least 21 days before the payment due date, as required by law.

Despite my requests, I have not received the necessary documentation or verification. This lack of response and the failure to provide essential information are unfair, illegal, and fraudulent, and have caused me undue hardship as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiry listed below as a result. 
INQUIRY : XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

1. FRAUDULENT REPORTING 2. ENTRIES W/ THE BALANCES & CREDIT LIMITS EDITED TO {$0.00} 3. FRAUDULENT COLLECTION 4, FRAUDULENT INQUIRES 5. FRAUDULENT CREDITORS 6. FRAUDULENT CLOSED ACCOUNTS I HAVE PLACED DISPUTES SEVERAL TIMES ON ALL OF THESE FOR IMMEDIATE & PERMANENT REMOVAL & NO REMOVALS WERE EVER MADE.

THIS MEANS YOUR Bureau CONTRIBUTED TO FRAUDULENT REPORTING AND ARE LIABLE TO THE VICTIM FOR {$1000.00} DOLLARS PER FRAUDULENT REPORT AND EACH FRAUDULENT REPORT IS LIABLE FOR A {$5000.00} FINE AS PER ENFORCEMENT OF FINING FROM THE FAIR CREDIT
REPORTING ACT.

THE ONLY THING THAT SHOULD BE ON MY CREDIT REPORTS ARE 2 OPEN REVOLVING ACCOUNTS FROM XXXX FOR A {$5000.00} CREDIT LIMIT AND XXXX  FOR A {$1000.00} CREDIT LIMIT. THERES NO BALANCE OWED TO EITHER AS I NEVER RECIED MY CREDIT CARDS A YEAR AGO WHEN I OPENED THEM BUT I AM CALLING TO HAVE THEM MAILED TO ME.

2. I KNEW FOR YEARS I WAS AN IDENTITY THEFT VICTIM BECAUSE OF THE CONDITIONS AND ENTRIES ON MY CREDIT REPORTS. 

I JOINED XXXX XXXX XXXX XXXX XXXX XXXX AND THEY LOCATED ONE OF MY IDENTITY THEFTS.

DATA BREECH THAT RESULTED IN MY GOOD NAME AND SOCIAL SECURITY NUMBER DEBUTING ON THE BLACK WEB.

THIS HAS PROBABLY ENDED UP SAVING MY LIFE AS ONCE YOUR INFORMATION MAKES IT ONTO THE BLACK WEB YOUR IDENTITY IS NO LONGER SAFE TO MAINTAIN.

THERE IS A PERSONAL RISK TO DANGER ONCE YOUR INFORMATION HAS BEEN FOUND ON THE BLACK WEN & I AM WORKING WITH XXXX XXXX XXXX XXXX  FOR FUTURE INCURRED LOSSES SO THAT I MAY RECOVER FROM IDENTITY THEFT AND GAIN A NEW SAFE IDENTITY FOR MYSELF.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX