23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 I contacted my bank Chime because my bank card and personal information along with other critical and important items were stolen from my car while I was home on bed rest recovering from a XXXX XXXX. I notified my bank and the vendor listed nothing has been done I have Audio of the banks own staff confessing that the bank did not fully review my information and everything I submitted had proven my case. Im very frustrated its 10,000+ missing from my account and nobody thought to freeze my account or call from the bank to confirm the spending with me the actual account owner
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX. Social security # XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you early warning system reporting agency, block and remove 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 account that opened up by XXXX XXXX. accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was a customer with creditor for many years. I lost my job and was not able to make my payments. I called and tried to work out an arrangement. Was told there was nothing they could do for me. Some time passes and I get a process server telling me I am being sued. I called the collection agency each time I call I get a new person and a new set of things I need to do to make this go away. Was trying to resolve a debt issue before a court date. Was told to submit a written proposal and with in 72 hours I would have an answer. I emailed and faxed my proposal. Went to initial court hearing and spoke to their lawyer and was told he had to run my proposal by his client he would get back to me. I called back two weeks later and was told my offer was rejected and I would be forced to pay entire balance in three monthly payments. I said I could not afford that. I was told by a female attorney with the company that maybe I should have a better XXXX job. Then I was told she would start the garnishment paperwork. We have not even gone to court yet the trial date is a few weeks away and I am now getting threatened.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I would like your help in investigating this matter to ensure my rights are upheld. thank you
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.I sent multiple letters to the 3 credit bureaus, but I never received a response. 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 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 or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX 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 XXXXXX/XX/XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX CT GA XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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 XXXX years. 

XXXX XXXX. XXXX ( 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 



Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS UTILITY SELFREPORTED Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies and I am the XXXXonsumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXXinancial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission whichis against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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 XXXX681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I was going through the checkout process at XXXX a mattress and bedding retailer. I was going to use the PayPal Express checkout with my XXXX XXXX card that I already have linked in there because it saves time in adding my payment and billing and shipping information. When I logged into PayPal a pop-up came up offering 6 months no interest financing and {$20.00} off my transaction if I applied for PayPal credit. I clicked apply and was brought to the Synchrony Bank website which is the financing company for PayPal credit, I then applied through their process and was approved for a {$1000.00} line of credit. Upon returning to the checkout page that purple sends you to when you select PayPal checkout a information came up saying that PayPal credit was now available in my wallet to use at checkout, however it was not available. I called in to PayPal and was transferred to their customer account security team, and after going through an additional verification process where I had the answer questions based on my credit report we tried putting the transaction through again. PayPal told me that their security procedures were rejecting the transaction. I asked if there was any more information they could give me or any reasons why even though I was approved for the credit line they would not let me make a purchase that was well below my credit limit and that was at a major established online retailer. I was given a bunch of nonsense answers and basically was told that there's nothing they can do about it and something in their security systems determined that it was a risky transaction, so I asked to be transferred to a supervisor, XXXX, who basically gave me the same line. He was very quick to point out that Synchrony Bank is the issuer of the credit not PayPal to which I responded that it's called PayPal credit and was initiated through the PayPal website not through an external website or through synchrony themselves that they were the ones that made me the offer and that they are the ones that are not now allowing me to use my financing. I feel like this was a bait-and-switch because I took a hard credit inquiry for this account with the express purpose of using it for this transaction which they advertised was what was going to be able to happen when they offered it at checkout for this transaction. Now I have a hard inquiry and a {$1000.00} open credit line and I'm unable to use it and nobody there can or will tell me why. They are just very quick to say that there's nothing they can do and that it must be a risky transaction for them to deny it.I just want to be able to use the credit that I was approved for being that I already took the hard credit inquiry for it and now it's basically useless to me, and they're all just telling me that there's nothing they can do and no information they can give me. Upon doing further research hundreds if not thousands of other people on credit boards online have had the same problem and this is basically the definition of a bait and switch.
Product: Debt collection

No letter received to verify debt. If they " think '' this debt is valid, they must send me the following : copy of their purchase agreement, copy of original contract, name of original creditor, payment history, and debt validation. They put this account on my credit reports, WITHOUT notifying me, or sending letters.
Product: Credit reporting or other personal consumer reports

i recently submitted a dispute with Experian on XX/XX/year> about a charge off account with proper identification documents and this is the XXXX time requesting a dispute that is currently causing harm and hurting my credit standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion at XXXX. The reference number for the call was XXXX. The agent advised that they would escalate two recent unauthorized inquiries XXXX XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022, for disputing. However, they insisted on mailing in identity verification documents and an FTC report, which have been attached for your review ; however, this should not be required. I called TransUnion, verifying my identity on the phone prompts. Subsequently, it was made clear that there was no authorized nor permissible purpose for the hard inquiries. The legal process should be that the hard inquiries are dropped if there is no authorization or permissible purpose found. It is the burden of proof of the credit reporting agency to identify these factors, not that of the consumer to prove that their identity was potentially stolen.
Product: Debt collection

I am writing to formally dispute the accuracy and legality of the negative item ( s ) listed on my credit report. This item is closed.Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information that is incomplete, inaccurate, unverifiable, or reported without my consent. I believe this item violates one or more of the following provisions : Violation of Verification Requirements ( FCRA 611 ) : The FCRA mandates that credit bureaus investigate disputes and verify the accuracy of items reported. If the data furnisher can not validate this item with documented proof within 30 days, the bureau must remove it.

Prohibition of Reporting Without Authorization ( FCRA 605 ) : Credit reporting agencies and furnishers are prohibited from reporting information that has not been authorized or properly validated. No notice or prior consent was provided to me regarding this reported account, which violates my rights under the FCRA. 

Accuracy and Integrity ( FCRA 623 ) : Data furnishers are required to report accurate and complete information. If the item in question contains errors or inconsistencies, it must be corrected or deleted.

Reason for Removal : [ Insert explanation here, such as : ] The account is inaccurate ( e.g., incorrect amount, wrong dates, identity theft ).

I did not authorize the reporting of this account.

The debt is past the statute of limitations for collection in my state.

The item can not be verified by the original creditor or data furnisher.

Request for Action : I request that this item be immediately investigated, and if it can not be verified or does not comply with FCRA requirements, it should be removed from my credit report. Please provide documentation supporting the validity of this item or confirm its deletion within the required 30-day investigation period.

Supporting Documents : Enclosed, I am providing copies of [ relevant documents, such as proof of payments, correspondence with the creditor, or identity theft affidavits ] to assist with your investigation.

Failure to comply with FCRA regulations may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Unauthorized Inquiries, I have attached my FTC report to this complaint to prevent further stall tactics from XXXX.
Product: Credit reporting or other personal consumer reports

I noticed accounts reporting on my credit report that I do not recognize
Product: Debt collection

I have disputed this debt multiple times. And it is just being sent to a different company to Collect money that I do not owe I have no recollection to the services provided by XXXX XXXX XXXX I have no idea what they were talking about and they are refusing to resolve this issue and give me a true bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and FTC reports for fraudulent accounts and hard inquiries. None have been deleted. The accounts and hard inquiries are the following : Transunion : Inquiries - XXXX XXXX XXXX XX/XX/2021 Bank XXXX XXXX XX/XX/2021 Accounts - XXXXXXXX XXXX XXXX XXXX : Inquiries - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Accounts - XXXXXXXX XXXX XXXXXXXX XXXX  : Accounts - XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I had late payment reported for my CAPITAL ONE credicard in XX/XX/XXXXwhich i wasn't using since XXXX or XXXX XXXX but still there was around {$2.00} due and made payment since i didn't want my credit to be affected due to this very small unrecognized charges and later i have disputed this transaction with credit card company. Same thing happened with capital one card that i used to have in year XXXX and then i ended up closing the account due to the similar issue. even though i am not using CAPITAL ONE credit card since XXXX XXXX, it again had fraudulent charges after XXXX for XXXX purchases which i disputed again and again i ended up paying for these fraudulent charges to XXXX with different credit card to restart my XXXX XXXX XXXX XXXX XXXX have locked my account due to non payment for these fraudulent charges after i disputed transaction with CAPITAL ONE. this time again i paid for 3 transaction which we didn't recognize to XXXX and on top it hurt my credit so badly. 
if you see my entire credit history, i have 3-4 late payment as negative entry on my history and all of them are with CAPITAL ONE. so somehow i feel my identity or something is leaked and hacked through CAPITAL ONE which have affected my credit badly multiple times. 
and last two time in year XXXX i was promised by CAPITAL ONE representative that they will provide all necessary information to credit beuros to remove late payment information from my credit. but they didn't even do that job appropriately for proofi am attaching the {$2.00} payment that i made in XX/XX/XXXXfor the due payment reported to Credit beuro in month of XX/XX/XXXX 
my question to you, why would someone not bother to pay only {$2.00} which is reported as late payment when that someone have great history of paying bigger amount XXXX home mortgage, car loans, other credit cards, kids tution fees ) without missing any payments.