23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a Capital One customer for four years and during that time, I have enjoyed my experience with Capital One immensely. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have a one late payments on the above referenced accounts from XXXX  2017. Since that time I have been an exceptional customer paying early every month Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was going through some financial struggles. I recently had a XXXX  and not to long before that I had an accident at work leaving me with medical bills that I personally had to pay due to some misunderstanding between my employers insurance. At only XXXX years of age I am only human, I am bound to make mistakes especially when it comes to finances and credit. I say that not to justify why the payment were late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that XXXX is willing to work with me on erasing these marks from my credit reports.I have been a very happy customer in the past and hope to continue a long relationship with my capital one credit card. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital one has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.

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

This account is In result to human trafficking. 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. 
( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

Prohibition on inclusion of adverse information of trafficking victims. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency.

( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and trafficking documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of trafficking in persons or sex trafficking under this section.
Product: Credit card

1. My son and daughter used to attend XXXX and completed their lessons during the XXXXXXXX2. I gave many verbal and a written request to discontinue lessons to XXXX XX/XX/XXXX ( Exhibit-A ) 3. Neither any authorization was requested by XXXX for the next season starting XXXX, nor any given by me for the same. 
4. No credit card details or signature was provided by me to XXXX for the next session. 
5. A completely unauthorized charge of {$2000.00} was made by XXXX on my credit card. 
6. SEBASTINI was repeatedly contacted to reverse this unauthorized charge but provided no cooperation. 
7. Then, AMEX was repeatedly contacted over past 6+ months and provided with all the evidences to reverse this unauthorized charge. 
8. AMEX did not cooperate and provided a forged document, without legitimate signature and just my wife 's name written in block letters that was presented by XXXX, as the basis of legitimacy of this unauthorized charge. ( Exhibit-B )
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX bankruptcy reporting on my credit report. I sent a letter to the bankruptcy court asking if they report to the credit bureau. I received a response stating they do not report to credit bureau. Any information reporting was not from there. I had a dispute filed with Transunion Credit Bureau and I got a response from the dispute saying the information was verified as accurate. I asked them also send me proof that the bankruptcy court verified this. I only received a letter from TransUnion stating verified as accurate. 

No proof of this from the bankruptcy court. I'm entitled to be provided with the documentation from the bankruptcy court that they used to verify this account. I asked if they couldn't provide me with verifiable proof this account be deleted from my credit bureau. I have not received any documentation of verification.
Product: Credit reporting or other personal consumer reports

United States of America Federal Trade Commission Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States of America Consumer Financial Protection Bureau Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE OF DISPUTE AND REQUEST FOR INVESTIGATION OF BILLING ERRORVALIDATION AND VERIFICATION OF ALLEGED DEBT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : ALLEGED XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to formally dispute a billing error and to request debt validation regarding an alleged debt that XXXX XXXX XXXXXXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ) claims I owe. This dispute is prompted by multiple instances of erroneous credit reporting by the organization, which allege an outstanding debt, as evidenced in my consumer credit file dated XX/XX/XXXX ( Exhibit XXXX ). I request the United States ( federal government ) Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into this matter. 

I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically as outlined in 15 U.S.C. 1692g Sec. 809 ( b ), and sections 807 and 814 ( 15 U.S.C. 1692e, 1692l ), along with the relevant regulations ( 12 C.F.R. 1006.34 ( c ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 1006.38, 1022.41, 1022.42 ). Additionally, my request is in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under Regulation V ( 12 C.F.R. 1022.21 ( a ) ( 1 ), 1022.24 ( a ), 1022.25 ( a ), 1022.42, 1022.43 ) and 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ).

This dispute also invokes my rights under the Electronic Signatures in Global and National Commerce Act, the Gramm-Leach-Bliley Act concerning the Privacy of Consumer Financial Information , the Bank Secrecy Act, Internal Revenue Service regulations , and the extensive protections provided by the FCRA ( 15 U.S.C. 1681-1681x ). Moreover, it includes my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically 1031 ( a ) and 1036 ( a ) ( 1 ) ( 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ), the Truth in Lending Act ( 15 U.S.C. 1601-1665 ), the Fair Credit Billing Act ( FCBA ) ( 5 U.S.C. 1666-1666j ), and the billing error resolution procedures under 12 C.F.R. 1026.13 ( Regulation Z ).

Given the significant implications for my financial well-being and credit history, I request an immediate and thorough investigation into these allegations. It is crucial to ensure that all collection efforts are valid and that any reporting to credit bureaus accurately reflects the legal and factual circumstances as required by the aforementioned laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice
Product: Credit reporting or other personal consumer reports

I only have one XXXX XXXX account and not two. I have a XXXX XXXX account and a XXXX XXXX account. Experian violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when XXXX sold the debt to XXXX XXXX XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding XXXX XXXX and XXXXXXXX XXXX  I plan on seeking a lawyer and suing Experian, XXXXXXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I am filing this complaint against multiple XXXX XXXX who are repeatedly contacting me via phone and email about a debt that does not belong to me. Despite my clear communication that this debt is not mine, they continue to harass me with persistent calls and messages. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692b & 1692d, XXXX XXXX  are prohibited from harassing consumers, including making repeated or unnecessary contact about a debt they do not owe. Their continued actions are causing unnecessary stress, and they have no legal right to keep contacting me. 

I request that the Consumer Financial Protection Bureau take action to stop these unauthorized collection attempts. If this harassment continues, I will be forced to pursue legal action for violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. Plaza Home Mortgage was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called Plaza Home Mortgage on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called Plaza Home Mortgage on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.c.s 1681 section 602 a. states I have the right to privacy 15 u.c.s.1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX Ithink financial credit 3x XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

From my understanding, my capital one 360 account was suppose to be closed in XXXX 2017. Since then I had logged into my account and it had shown a negative balance of {$990.00}. When I contacted the bank about the issue they put me on hole for an hour and a half then told me they would have someone contact me about the issue. That was 3 months ago. I 've tried contacting them since then and still have n't heard anything. Just out of curiosity, I logged into the account today just to see if they 've even attempted to fix the issue but it now shows a negative balance of {$2900.00}. There is no way the account could be negative because I had cancelled the debit card for the account and they sent me another one which I still have not activated. When I log in, the transaction does n't even show up on the latest transaction. I refuse to pay that amount if the bank can not even contact me about the issue. I 've made phone calls, emails and even attempted contacting them through the website and still nothing. But somehow they manage to blow my phone and email up attempting to get me to activate the new debit card. I refuse to activate it because that 's just going to add another small fee onto the account that was suppose to have been closed months ago. The account still had {$1.00} the day it was suppose to be closed so there should n't be any negative fees
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copyof XXXX report sent to me via mail.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$100.00} that appears related to an account with XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Checking or savings account

Well from XX/XX/XXXX @ XXXX till XX/XX/XXXX @ XXXX my account has been cashed out little by little and the bank Cash App run by Block inc has told me that I have authorized these CASH OUT for various amounts and that I did it from my address in Michigan problem with this is I do not live nor have I ever lived in Michigan @ XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX I was born raised and lived in XXXX XXXX  as you will see my bank at that time was Investor 's Bank not XXXX XXXXXXXX XXXX I need more assistance with this matter and I need my money back I live on SSI as I am XXXX and live on a very low income as it is I an way below poverty level I have talked to them emailed with them and nothing they keep insisting that I did it when I know I didn't
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ) and PRBC are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and PRBC unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The law states : ( a ) Privacy obligation policy 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. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Product: Mortgage

I applied for a loan on Friday XXXX/XXXX/2020. I've sent number messages to my loan officer on getting a loan estimate. Loan officer does not respond. I sent an email to the lender on XX/XX/XXXX and they never responded/called me. I provided all the required information and lender pulled my credit report. Lender is supposed to provide a loan estimate within 3 business days. It is now more than 3 business days.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Transunion : [ XXXX XXXX ] [ XX/XX/year> ] The debt collector declared removal of account from all consumer reporting agencies. Please be punctual in your approach to removing account from consumer report. It is highly injurious to my creditworthiness. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit.
Product: Checking or savings account

My account at Chase Bank had a fraudulent withdrawal of {$1000.00} and {$2100.00} on XXXX XXXX. I filed an immediate claim and they reversed the {$1000.00} charge within XXXX hours. Chase refuses to refund the {$2100.00} debit despite admitting to me and to the bank manager that they are aware of a local fraud ring here in XXXX that they, my banker and the XXXX Police refer to as the " XXXX XXXX ". Chase refuses to let me see the XXXX. My local bank manager, XXXX XXXX, has also requested XXXX. XXXX XXXX also said he was aware of the same modus operandi used for other bank customers.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to you to formally notify EXPERIAN, via the Consumer Financial Protection Bureau ( CFPB ), of my status as a victim of XXXX XXXX, as per Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). Enclosed, please find copies of documents that were sent via XXXX on XX/XX/year>, including : *XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXGovernment Issued ID, as required by 12 CFR 1022.142 ( b ) ( 1 ) These documents serve as evidence of my situation as a victim of XXXX XXXX and my request for assistance in accordance with Regulation V. I am requesting that EXPERIAN takes immediate action to block the accounts referenced in the attached XXXX XXXX XXXX from my consumer report, as mandated by Regulation V, specifically 12 CFR 1022.142 ( b ) ( 6 ). Despite my previous correspondence and submission of required documentation, EXPERIAN has not yet complied with Regulation V. I urge EXPERIAN to promptly address this matter and take the necessary steps to ensure compliance with Regulation V in order to protect my rights and privacy as a victim of XXXX XXXX. Please acknowledge receipt of this notice and provide confirmation of the actions taken to comply with my request. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. Thank you for your attention to this urgent matter.