23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a notice of collection dispute to Equifax and XXXX reporting agencies regarding fraudelent information reported to them by XXXX XXXX. Equifax did not return the Return Reciept I mailed to them, as required by the US Postal Service- a paid service. However, they noted on my credit report the following note " Between XX/XX/XXXX and XX/XX/XXXX the following remark was removed from this account : Consumer disputes - revinstigation in progress. '' At the same time they also added a note that the account I disputed has been updated to " Charged off acccount, fixed rate ''. 

XXXX. ) Equifax failed to contact me with information indicating the false account has been successfully proven by the creditor. 

XXXX. ) As I shared with Equifax, the creditor XXXX XXXX has been submitting late payment information for the past XXXX years. All the while knowing the vehicle has not been in my possession since XX/XX/XXXX. There is a note on the report that indicates the last last payment was XX/XX/XXXX - this is false- the vehicle was not in possession. Further, why is Equifax reporting late payments as of XX/XX/XXXX while noting the last late payment was XX/XX/XXXX? 

XXXX. ) Further, the creditor is claiming a loan amount of {$9700.00} due to them. This is also false as the loan amount was not for that amount. I DO NOT owe this XXXX XXXX  {$9700.00}. 

XXXX. ) Due to this false reporting on the part of the creditor, I requested the account be completely removed from my credit report. 

Equifax has closed the investigation, per notes on my report without completing the investigation nor removing the fraudalent account.
Product: Credit card or prepaid card

On XXXX XXXX, I needed a new hot water heater and was under the impression I was getting a loan, not a credit card. The invoice I received from the company does not state that I agreed to a credit card or what the payments are, however the invoice does state that there's a 9.99 % APR ( which is what I agreed to ) On XXXX XXXX, I received a credit card agreement from Wells Fargo. The agreement states that my APR is 28.99 % -which is not what I agreed to-and doesn't list out the 'special terms and apr ' period is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

REMOVE AND BLOCK ALL FRAUDULENT ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2024 CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit card

On XX/XX/2023 I applied for a Bank of America business credit card and was denied, regardless of the reason for being denied, I have the right to credit. Withholding access to my securities is securities fraud. This is in violation of the Equal Credit Opportunity Act and the Consumer Credit Protection Act. I have asked multiple times to please retract my application, both by phone, email, and notarized document sent certified mail.
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 USC 1681. 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 1681 s-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. 

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 reporting

In XX/XX/2016 I received all XXXX credit reports and noticed a collection account by XXXX, collecting for XXXX, stated I owed {$1100.00}. Knowing this did not belong to me I initiated a dipute with all XXXX reporting agencies. XXXX and XXXX removed the account, but TransUnion did not. XXXX will not release any of my records I requested to prove it was mine including signatures and ID. I filed complaint with them also. This is not my account and I want it removed.
Product: Credit card

I am writing to file a complaint against Capital One regarding the reporting of my business credit card, specifically the Capital One Spark Card, to my personal credit profile. 

I applied for the Capital One Spark Card for business purposes, and prior to applying, I thoroughly reviewed the terms and conditions as well as the frequently asked questions provided by Capital One. OnXXXX specific question that I paid close attention to spoke directly to why the application requires the business owner to include their personal information as follows : " Why do you need my personal information? '' it states : We need your personal information for two reasons. Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. As a result, your personal information is required and used for identification purposes. We use your personal information like social security number to pull your credit bureau data, which in turn is used with other information like annual income in processing your application. 

However, I have encountered an issue wherein the Capital One Spark Card, which is designated for business use, has begun reporting to my personal credit profile, and having a significant adverse impact on my personal credit profile and score. 

The language provided in the terms and conditions does not adequately address this issue. While it does mention authorization for the exchange of credit information between Capital One and its affiliates, it does not explicitly state that the business card will report to the personal credit profile of the cardholder. 

This is in stark contrast to the clear and conspicuous language found in the terms and conditions of my personal XXXX XXXX credit cards as an example. My personal credit cards explicitly state that by applying for the credit card account, " I agree to the reporting of information about the account to consumer reporting agencies ''. Such clarity is lacking in the terms and conditions of the Capital One Spark Card. 

This discrepancy has raised concerns for me as it affects my personal credit profile, which is separate from my business finances. I believe that Capital One 's failure to clearly communicate and disclose this aspect of the credit card agreement is misleading and deceptive. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Capital One rectifies this issue. Additionally, I request that Capital One review and revise its terms and conditions to provide clear and transparent information regarding the reporting of business credit cards to personal credit profiles. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied that XXXX, Equifax and XXXX have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts needs proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three- month period preceding the date the subsequent report is furnished. Please update the accounts : XXXX XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 USC 1681 ) emphasizes the importance of consumer reporting agencies handling responsibilities fairly, impartially, and with respect for privacy. XXXX and XXXX fall into this category, but I, as the consumer, assert my right to ensure that my private information is not shared, as supported by 15 USC 6801, which highlights the obligation of financial institutions to respect customer privacy. According to 15 USC 1681, neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies ( XXXX and XXXX ) have my consent to furnish this information. I revoke any previous consent, be it verbal, non-verbal, written, implied, or otherwise. 

Furthermore, 15 USC 6802 emphasizes that a financial institution can not disclose nonpublic personal information without explaining the consumer 's right to nondisclosure. The financial institution, in this case, failed to inform me of this right. Additionally, 15 USC 1681C restricts the inclusion of certain adverse information in consumer reports without permission, and my account is being reported adversely without my consent, which is a violation of the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, information should not be furnished to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and XXXX are not maintaining reasonable procedures, as required by 15 U.S. Code 1681e, to avoid violations. Furthermore, 12 CFR 1016.7 allows consumers to opt out at any time, and I am exercising my right to opt out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaintXXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$2200.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX
Product: Credit card or prepaid card

Commerce Bank, To whom it may concern Regarding my recent late payments late payment due to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

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

I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. XXXX, Experian and XXXX are not doing their job and this is very upsetting as a consumer.
Product: Debt collection

I sent a letter to Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX  requesting validation of the debt in XXXX XXXX XXXX that they claim that I owe which is {$1100.00}. 

Purchase Agreement Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person they are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. 

The obligation between them and me that allows them to collect on the alleged debt and any transactions between their company that binds me to an agreement to pay their company any money that they claim I owe. 

Proof of phot identification ( i.e., drivers license, state identification card, or other government issued identification card ) that was presented to them at the time of incurring this debt. 

XXXX XXXX did not send me the validation I requested. The company sent me documents that they typed up with blank pages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX  Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX  Account Number : XXXX Account : XXXX  XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : 202107 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 if 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 the the information is inaccurate.
Product: Credit card or prepaid card

On Saturday morning ( XX/XX/2020 ) i recieved a text notice of suspicious activity on my Wells Fargo debit card. 
Someone had withdrawn XXXX $ from a XXXX located at XXXX XXXX XXXX, XXXX, FL XXXX. 
I called them and notified them that i did not make that purchase and and they said someone must have used a skimmer to steal my information and create a fake card and use it to steal the money and they would take care of it. 
Then earlier today Wednsday XX/XX/2020 instead of rejecting the transaction they approved it and also added a XXXX $ fee for using an out of network atm on top of it. 
I called to ask why and they said they had denied my claim and there was nothing they could do about it and that since a chip was used i must have done it myself and must be lying about it. 
I don't think they put any amount of effort into investigating my claim i think they could care less about their customers. 
I am filing a police report with the XXXX County Sheriff 's Office. 
Any assistance you could give me would be greatly appreciated. 
Thank you.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures  on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

From XX/XX/XXXX until XX/XX/XXXX I was charged XXXX each month for identity protection services without knowing why. When I questioned it was part of a service fee. Or abruptly stopped on XX/XX/XXXX after my first account statement. It was adjusted and from XX/XX/XXXX to current the fee was removed. Due to latest concerns with Wells Fargo, where these charges valid or were they placed improperly?
Product: Debt collection

Harris and Harris keeps calling my home phone number and leaving messages. We have no debts yet they continue to leave these messages. The messages do not state who they are trying to reach.