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

Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, Your name XXXX XXXX
Product: Credit card or prepaid card

I submitted a claim with Bank of America on XX/XX/21 because I was unable to make purchases at 2 different merchants. Once I called I was told I had a balance of XXXX cents and I knew I had a balance of {$240000.00}. I gave the rep my information and was told that I would receive a call in 2 days. That never happened so I called back and was informed that the claim was never submitted. At that point, I lost all trust. I called the next week and was told my claim was submitted for {$750.00} and that was the wrong amount. Its been a nightmare since that point. I have spoken to at least 40 reps, supervisors, and managers. No one is consistent with their information. I have emailed, texted, and direct messaged Bank of America. I have asked for a corporate number and they respond by saying there is no such number. I have gone into the Bank Of America branch and they informed me that they can not help me because it is my unemployment card. I spoke to ( 2 ) people on XX/XX/21. XXXX who is a manager and XXXX who is a supervisor and they assured me that an escalation had been submitted after having being told by at least 10 other reps that it had already happened and that the disclaimer states they have 30 days to respond to it and return my money. I have been credited {$1200.00} but am still owed {$1100.00}. I spoke to a supervisor today named XXXX and she told me they are still working on it and can not assure me of the XX/XX/21 deadline they assured me of on XX/XX/21. I have exhausted all my resources trying to resolve this and Bank of America has been lying to me since XX/XX/21 and the investigation proved my account had been compromised of XXXX XXXX in the amount of {$2400.00}. My bills are beyond behind and they continue to spin their web of lies and make mistake after mistake after mistake and I feel they are purposely doing this and will not release the remainder of my money. They also submitted at least 30 complaints that are probably sitting on a desk somewhere.
Product: Debt collection

Pusuant 16 USC 1692a ( 3 ) I am a Federally protected consumer, natural person, and the original creditor. Pursuant 15 USC 1692 ( a ) The Fair Debt Collection Practice Act is intended to protect consumers on unfair and abusive debt collection practice by debt collectors, to inspire that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection practices. Capital One Credit Card Services has been violating me as a Federally Protected Consumer. This includes unauthorized use of my credit card. Capital One Credit Card Services has been using misleading and deceptive forms in an attempt to collect on an alleged debt that is not owed. I have sent them an Affidavit of Truths x2.
Product: Checking or savings account

My Wells Fargo account was closed just three days after I filed a fraud claim. When I inquired about the closure, I received an email from the bank stating that they perform ongoing reviews of account relationships to manage risks. According to the email, following a recent review, they had decided to end my account relationship due to a " pattern of security risks. '' The email further mentioned that the accounts were expected to close by XX/XX/scrub>, 2025, but could close earlier if circumstances warranted it. This response left me with more questions than answers, as it did not provide specifics about the nature of the security risks or how they were connected to my fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a credit freeze on my Experian account because of the data breach. 

It took hours to remove the freeze, which is crazy. There was very little information I could find on their website about how to remove it - just a phone number it said to call. When I called the number it was an interactive voice response system and didnt give me any options to remove the freeze - was simply trying to sell me their paid service for credit monitoring. It was very obvious that their intent is to make it difficult and inconvenient to remove freezes, which are free, with the hope that customers will get frustrated enough that they will sign up for their paid service. 

After I finally found a different number to call by searching XXXX for Talk to a live person at Experian, I got through to a person for the first time, after finding out why I was calling the call mysteriously disconnected the call and I had to start over again. 

It took hours to simply lift a freeze on my credit report and the intent was clearly to try to make it so difficult that Ill pay for their special service.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o .

Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

After an identity theft incident, i have came to realized that someone open a Barclay GAP Good Reward Mastercard under my SSN, but the account is under a different name. I have an online banking account but this credit never showed up in my list of accounts so I was not aware that someone was utilizing my credit card to make fraudulent purchases. The card was opened since 2019 and I have never received any related statements from the bank in regards to this credit card. 

There must be a huge flaw in the credit card application process to allow someone to open an account until a different name but with my SSN and credit info. This is unbelievable and unacceptable! Barclay should take full responsible to its wrongdoing in granting people credit card without properly verifying the right info.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on 01/10/2023 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My complaint is very similar to a lot of complaints already filled against Experian. These Accounts alongside these personal address are not authorized by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



I am not asking for a E-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title.

15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

thank you!
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX  I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

The agency is attempting to collect a debt incorrect. The amount shown is not reflective of my insurance, which was provided to the original medical agency. I have attempted to resolve this matter with the company, as well as the collection agency. Attached is a copy of my insurance card, which was active at the time of service, and provided to the medical agency.
Product: Credit card or prepaid card

The Issues : 1. Capital One violated state and federal laws and regulations when informed verbally and in writing that XXXX XXXX XXXX XXXX XXXX stole my Capital One credit card number. 

2. Capital One conspired with XXXX XXXXXXXX XXXX XXXX XXXXXXXX to defraud me. 

3. Capital One has instructed me in writing on how to defraud the IRS.

4. Capital One has repeatedly lied to the CFPB to try to cover up their violations of state & federal laws and regulations : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

The Details : Attached Folder 1 The Documented Proof : Attached Folder 2 Some documents provided by Consumer Services under the Attorney General of Florida
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report Equifax that Is reporting inaccurate and is violating my rights and is hurting me from obtaining credit I have tryed to fixed the problem with them and it has not been fixed I have proof of the inaccurate information that is reporting on my reports diffrent it cant be accurate or verified when same account has different opening dates, or showing account open when closed .. Will upload documents, I will like these accounts removed from my credit report immediately, XXXX XXXX XXXX Dates of last payment is diffrent reporting inaccurate, Account status reporting inaccurately and comments sold reported inaccurately not same information but same account XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing open when closed, Reporting inaccuratelyXXXX XXXX Account # XXXX Dates open is reporting inaccurate and diffrent and account status reporting inaccurately, XXXX XXXX XXXX XXXX Reporting open when closed reporting inaccurate.. I will like these Deleted please
Product: Credit card

In XX/XX/year> I requested the XXXX XXXX Citibank account to be closed. I called customer service and spoke to XXXX Reps in the XXXX ... .Got bounced around to 3 different people. One even said, I see you closed this account in XX/XX/year>. The bil is now {$130.00}. Late fee and membership. 
Under my name XXXX XXXX XXXX XXXX digits from the bil is all I have because the card has been gone for at least 18 months. I never used the account. 
Last XXXX card digits are XXXX I have tried calling and no help has been offered. 
They intend to keep charging me late fees HELP.
Product: Debt collection

I was insured by state of MI insurance from an injury ( personal ) but the collections company keeps mailing out notices on a debt I do n't owe and it was supposed to be paid by the insurance company.
Product: Credit reporting or other personal consumer reports

My account ending in XXXX with XXXX should not have been closed. They claim on certain dates stop payments were made or there were insufficient funds. My bank, XXXX has confirmed that there were sufficient funds on XX/XX/XXXX for {$78.00} and {$50.00} on XX/XX/XXXX. And XXXX confirmed no payment attempts were made against my account for those dates. They wrote two letters indicating the dates XXXX payments were denied. One was for XXXX XXXX XXXX on XX/XX/XXXX ( fraud ) for {$51.00} and XXXX XXXX XXXXXXXX for {$10.00} on XX/XX/XXXX ( fraud ). These are the only two times payments were stopped in regard to XXXX. Again funds were available on the dates XXXX claims to have attempted to withdraw those payments. And no stop payments were issued on those dates. My account was in good standing, and it should not have been closed. And someone should have contacted me about any payment issues before closing my account.
Product: Credit card

Under Title 15, Section 1637 of the Truth in Lending Act, creditors must provide clear disclosures for open-end consumer credit plans. This includes details on finance charges, billing cycles, and other essential terms. If you believe Capital One hasn't met these requirements, you can include this in your complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX XXXX XXXX XXXX SSN : XXXX To Whom It May Concern, I am submitting a complaint regarding Capital One 's handling of my credit account.

Specifically, I request a review of their decision to keep my account as closed-ended credit and seek to have it transitioned to open-ended credit. This change is essential for maintaining flexibility and access to credit. Under Title 15, Section 1637 of the Truth in Lending Act, creditors are required to provide clear disclosures for open-end consumer credit plans, including details on finance charges, billing cycles, and other essential terms. If Capital One has failed to meet these requirements, l urge a thorough investigation and appropriate corrective actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a disputed through XXXX and Transunion and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit information 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

My identity was stolen and Ive tried to send XXXX police report XXXX XXXX this the information has still remained there
Product: Student loan

XXXX XXXX XXXX charges extremely high interest rates, and when you pay, they dont even update your payments on your credit report. The customer service is very rude and they do not care about what we as customers are going through. Everything is about the money, and they do not keep us updated about our accounts.
Product: Debt collection

This debt was paid with the original creditor, proof is attached and I am requesting immediate removal. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/2023 Caine & Weiner Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( CAINE & WEINER ) has furnished ( 1 ) account on my report, account numbers ( None listed ), XXXX XXXX XXXX amount listed {$61.00}. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company ( CAINE & WEINER ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation XXXX, XXXX XXXX XXXX XXXX 1. Copy of Consumer Report
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I was in XXXX, XXXX  at a bar called XXXX 's when my credit card was stolen. I didn't realize it was stolen until XX/XX/XXXX, and until then I had my credit card in my phone as XXXX XXXX, so all charges that I had made on my credit card between those days had been with XXXX XXXX, as I usually don't carry a wallet around. I tried to purchase with my XXXX XXXX, and the card declined. At that point I looked in my XXXX account, and saw that the reason why my card declined was because there were XXXX  charges made in XXXX XXXX, maxing out the card. I looked in my wallet, and realized the credit card was gone. I remembered that I left the card at XXXX 's which is where I assume it was stolen. XXXX charge was made on XX/XX/year> for XXXX at the XXXX XXXX in XXXX, XXXX. Another charge was made at XXXX in XXXX XXXX for XXXX. All other charges ( XXXX at XXXX XXXX in XXXX, XXXX ) had been declined at that point. I immediately filed with my bank, XXXX on XX/XX/XXXX and they credited me both amounts back and launched an investigation. In XX/XX/year> I received only the XXXX back onto my account. I received no letters in the mail or calls or emails about any status of the investigation from XXXX. I reopened my dispute with XXXX  because they only refunded me for the XXXX charge, and not the XXXX charge, and both charges were not completed by me. They reopened the investigation and declined it again, because my information was not lining up with what actually happened, because there had been a charge on XX/XX/XXXX at XXXX XXXX  for XXXX that they claimed I used my card for, but the card was not in my possession, and the only way I could've made that charge was with XXXX XXXX. At this point, XXXX has been accruing interest in my account since XXXX, and I refuse to pay it as the charge was not mine.