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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Capital One Attn. : XXXX XXXX Capital One XXXX XXXX, VA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED CHARGE- OFF ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized Charge -Off on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX  consumer credit report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA* ) codified at 15 U.S.C 16186 ( a ) 3 ( 1 ) ( i ). Chester v. Purvis, 260 F. sup 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with Capital One furthermore, I do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with Capital One for review for collection.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C.168In ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via certified funds to Name, Address, City, State Zip code Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services is improperly and impermissibly reporting an account to the XXXX, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sun loan company gss been deleted from my XXXX  and XXXX XXXX, and Sun loan Tgen sold the original loan to itself and gave it a different loan number making it look like it's another loan. So XXXX in reporting the same loan twice. The loan was paid IN FULL. Sun loan is not reporting it on BOTH of the loans showing up on XXXX. The two that show up ARE THE SAME LOAN ONE LOAN that they gave another loan number to report. The loan was charged off in 2017 however SUN LOAN continued to add interest on the loan more than 9 times maliciously destroying my credit and then Creating a Fraudulant account and reporting the fraudulent account as a second account Please look into it so you can see the Illegal as well as Malicious and fraudulent actions by SUN LOAN COMPANY.
Product: Checking or savings account

This is a supplement complaint for XXXX. As the company refuses to admit the facts that they provide misleading information to me about XXXX transaction, I've recorded the conversation and submit via complaint number XXXX. This is the second part I was told by the agent : when XXXX transaction is called completed and how long it will take. I was told by Capital One on XX/XX/XXXX : XXXX transaction is completed once the funds is deposited into my account. From this recording, the response is still consistent with their previous response. The second part was XXXX is a cash transaction as the recording indicated before. Additionally, I provided a copy of the call log. As you can see from the call log, the transaction occurred on XX/XX/XXXX and Capital One Customer Service Number is XXXX. On that day and the day after, I called multiple times to confirm the nature of XXXX transaction. Specifically, the call at XXXX on XX/XX/XXXX and the call at XXXX on XX/XX/XXXX, the agent confirmed with me ( 1 ) what is called " completed '' in XXXX transaction XXXX ( 2 ) the nature of XXXX transaction is like cash transaction. In fact, based on the call log, you can see I'm actually extremely uncomfortable for XXXX transactions and thus I called in Capital One multiple times to understand the nature of the XXXX transaction. I even explain the whole situation of the money exchange in my phone call. After I confirmed with Capital One that XXXX can not be cancelled or revoked and the transaction is completed once the funds is in my account, I start to accept this form of payment. 

Based on the law, I have the rights to request the materials used by Capital One to deny the case. However when I requested the transcripts of those phone calls, Capital One asked me to provide court order. As such, I have to call in again and the agent still provides me the same information : XXXX is cash transaction, as you can see in the voice call recording I provided. 

As a reputable bank, I didn't expect Capital One denies the fact. As such, to fully investigate the issue, I'll file a case with a court since arbitration won't be able to order the transcripts of those misleading calls. Can you please let me know the contact person I can serve the case? Also as consumer rights, I request the call transcripts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately for they are greatly harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Equifax has been non-compliant with removing the unverified accounts ( XXXX XXXX, XXXX   XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that ( account name ) was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Hey Chase, my money has been held in chase for about 3-4 months now I had a check and didnt have a ID at the time and signed it over to my mom which she mobile deposited into her chase account she opened, they said they couldnt verify my phone number in my name and said I cant go up the the bank with my social and my id and the original check with my mom the person who deposited my chdck. I got a new phone for XXXX $ and still said they couldnt verifty my number and at this point its like my funds are being held for no reason they called and verified with the bank a cashiers check and keep saying my number isnt registered to my name when it is. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( my check )
Product: Debt collection

This was a debt from a creditor of a management company that I took to court and was litigated, and one on my behalf case was dismissed on both parties, and all claims dismissed. I submitted this court document to the collection agency, and they are refusing to accept it, and I warn them of legal action, but still refused to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a notice to EQUIFAX that TWO hard inquiries were on my report and that they were inaccurate, as they are fraud. An inquiry in XXXX of XXXX by XXXX XXXX and an inquiry in XX/XX/XXXX by XXXX XXXX that is also XXXX. Under the Fair Credit Reporting Act my Credit profile is supposed to be fair and equitable and all of the information on my report is supposed to be correct. This information is inaccurate because it is fraud, I didn't do business with XXXX XXXX. They defrauded me. The inquiries should be removed under the law. The FCRA 1681 b talks about how the CRA 's need my WRITTEN consent to report to my credit profile. I never gave them written consent to report this account or any account to my credit profile. a ) In general, a CRA may furnish a consumer report under the following circumstances and no other : 2 ) in accordance with the written instructions of the consumer to whom it relates. I would like XXXX to provide me with the documentation and my signature where I gave them consent to report this FRAUD. FCRA 1681 A1 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. My credit report is currently inaccurate due to the negligence of Equifax.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : #, XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XXXX  XXXX XXXX Closed Account name : #, XXXXXXXX XXXX  XX/XX/XXXX Account name : #, XXXXXXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXXXXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX  XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XX/XX/XXXX Account name : # XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXX XXXX XX/XX/XXXX has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

My information was impacted in the XXXX data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Credit card or prepaid card

I applied for the Chase XXXX premier rewards XXXX XXXX Mastercard around XX/XX/2018. After talking to a lending specialist on the phone the day after, and getting fully verified ( due to a fraud alert that is on my credit report ), I was approved for this card with a {$12000.00} credit limit. Everything was good, until I notice my card got declined when I was making a {$3.00} coffee purchase on XX/XX/2018. I immediately logged into my account, and notice that this account was stated as closed. After contacting the phone number on the back of my card, inquiring about what is going on with this card, they told me that they have no idea why the account has been closed ( no notes on the account ), however, the account was closed on XX/XX/2018 ( one day after the {$89.00} annual fee was posted ), a letter has been sent out, and a phone number I could call : XXXX ext. XXXX. 
There is a credit card agreement between JPMorgan Chase and the card holder. I have not violated any of the terms in that agreement. My credit standing/score is still as good as the time I applied for the card, with no sudden negative change, that might be deemed risky on Chase 's side. At this point what has happened is not credit-related ( therefore, violation of the fair credit reporting act ), and a case of discrimination. If chase did not want to do business with me ( I am a chase private client by the way ), they should have just declined my application with no credit pull stating exactly that fact as their reason. Doing this was well within their rights as a business, and I would have understood. However, if they have let me apply for a card, done a XXXX hard pull, approved me based on my credit, and then, all of a sudden, out of nowhere, my account has been closed by a secret department in Arizona for reasons that are unrelated to my credit, is ludicrous beyond belief, and a case of discrimination ... As a chase private client, I am really disappointed in how chase is conducting its business, and would like to request my credit card account to be reinstated immediately.
Product: Mortgage

I fell behind on my mortgage after being robbed, and went to a government program for assistance. The program is willing to pay to get my mortgage current but requires a XXXX form to be completed ( a request for US Bank 's tax identification number ). As of date US Bank has not supplied the required document, rather continues to make threats via phone and letters that they are starting the foreclosure on my property/loan. I have been to the nearest branch office as I was advised to do by lender 's customer service hotline, and even the branch manager was unable to get assistance. After much frustration and many transfers the branch manager spoke with someone who told him to fax the document to " XXXX '' who would fill the form out and return it back to the branch manager. The branch manager said he would contact me as soon as the document comes. As of date, the document has never been completed by US Bank and the phone customer service representatives state they can not allow me to make any payments on my account because the company is requiring a full lump sum payment. I have spoke to approximately XXXX different customer service representatives that have given 3 totally different accounts as to why " XXXX '' is the only US rep that can complete the document, why the document has not been forwarded as suggested prior, and there have been at least 2 different " requests for the document '' that has been sent to " XXXX '' since the initial contact about the document, which was XXXX XXXX. Today as the US Bank rep put in another request for the document she stated that it would take a couple of days for the company to complete the document and send the fax back to the branch manager, but I was told in the last call ( I believe on XXXX ) that the document was already completed and " XXXX '' was just waiting for a fax number to send it to. There has been no attempt made by " XXXX '' to either contact me nor the branch manager that faxed the document and was handling the fax and/or document request from the beginning. The branch manager had given the US Bank rep the fax information with the document request on XXXX/XXXX/16, and made it clear in the call he made to customer service that the document was to be returned back to the branch where he would then notify me to pick the completed form up so that the total funds could be released. I am simply requesting that US Bank complete the XXXX ( request for tax identification number ) so that my mortgage payments that are behind can be made to avoid foreclosure. I am also asking that US Bank stop any foreclosure efforts they are attempting due to their lack of providing the required form to release funds. I have notified US Bank on a number of occasions of what is needed to release funds, I have also notified them that I would be contacting the CFPB if they do not comply and still they have not completed the required process for me to get the assistance in making my mortgage payments current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I bought a American Express Gift Card at my local XXXX for {$200.00}. I tried to use the card on countless merchants online and the card got declined by each one. I call the American Express Gift Card support and they were no help. They told me the card was activated despite the declined transaction and they advised me to just keep trying at different merchants which was no help because I was already trying that. Now I am stuck with a gift card that wont work.
Product: Debt collection

We rented a house through XXXX XXXX XXXX in XXXX, GA, while we looked for a house to purchase after selling our home. We signed a 12 month lease. However, we found a new house much sooner than anticipated. I contacted XXXX XXXX XXXX and let them know, we paid everything owed to them and left the property cleaner than it was when we moved in. According to the move out paperwork the company provided, we had paid everything owed. I even emailed an employee and she confirmed that we were paid up and didn't owe anything else. Several months later the company said we owed an additional XXXX dollars. I replied to that email with the response from the employee and didn't hear anything else. However, they sent the account to a debt collection law firm, and even after sending the correspondence from the employee who said our debt was paid, they continue to attempt to collect the debt and have placed it on our credit report. I also filed a complaint with the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX Mastercard and they declined me. I recieved a letter from them on XX/XX/XXXX and they claim my credit score is XXXX which is completely incorrect. I know my credit score is over 600 and use XXXX
Product: Credit card

Capital One mislead me and mislead me in the past see attached screen shot stating offers with no credit pull PRE QUALIFIED overtime I got baited and switched, they pull a inquiry and this is not right Capital One basically opening up small credit lines three different accounts with small XXXX dollar credit limits, I requested to take all my credit cards and give me a small line of credit on one card they pull more inquiries as I have been a long time customer with no late payments they have basically failed on there end and use many excuses to many inquirys THIS IS FALSE ADVERTIZING AND IAM DISPUTING AND ASKING ALL CREDIT PULLS TO BE REMOVED FROM INQUIRY LIST in the past I shut down a XXXX dollar credit card not knowing it damaged my credit because of there bad faith
Product: Vehicle loan or lease

Identify was compromised and this was not me who purchased the vehicle.
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in a XXXX XXXX XXXX. After speaking with the dealership XXXX XXXX located in XXXX XXXX Utah they cut a check for the payoff amount on XX/XX/XXXX. I have attemped to resolve the issue with XXXX XXXX and Chase Auto loan on mulitple occasions. Chase Auto Loan has told me on the phone that they are extremely understaffed and that the Auto Loan payoff is NOT going to happen any time soon. This is unacceptable. The car will be sold to a new buyer and put under a new loan before mine is even paid off. As of today XX/XX/XXXX XXXX calendar days have passed and 15 business days. This is a problem for Chase bank and their staffing shortages. It will negatively effect my credit and nothing is being done about it. Again, the response is unfavorable from Chase!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts Ive marked inaccurate ; Account name XXXX XXXX XXXX XXXXccount number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX
Product: Debt collection

I was XXXX for a XXXX and once in XXXX I XXXX XXXX XXXX XXXX in the hospital with multiple XXXX XXXX that resulted in me needing XXXX as well as XXXX on the top of my head. The police officers say I did it to myself in the back of their car at the site of where I was stopped for the XXXX XXXX. They then took me to the police station and called the paramedics and transported me to the hospital against my will per the police report. I dont know how to dispute this bill they say I owe. I believe I was injured by law enforcement and they should be held responsible for my medical bills because I was in XXXX when this happened. I dont believe I am responsible for any of the damage and wish I had an attorney that could fight my case, but I dont have the Finacial means not the time to do so. I just want to put this behind me and this XXXX XXXX XXXX XXXX is threatening to send it to the franchise tax board for collections without me being able to speak with anyone about the manner. Hopefully somebody can help me out.