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

Dear XXXX, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). The accounts in question are as follows : XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX  - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX - XXXX XXXX XXXX XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Debt collection

I was out XXXX for five year when this account was open proof of it on record Out XXXX from XXXX to XXXX XXXX records available
Product: Credit reporting or other personal consumer reports

My information was released in multiple data breach including my bank at XXXX XXXX and Experian. I have filed identity theft multiple time including in the new breach notice I have seen. I had to file a police report months back due to my identity being used XXXX XXXX XXXX  According to 605B of the Fair Credit Reporting Act ( FCRA ) I would like all negative marks and inquiries on my account to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I contacted experian in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> Experian XXXX XXXX XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hey my name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was recently a victim of scam on text message. He send me an email through my XXXX  email : XXXX. He asked me to be his XXXX XXXX and said he was going to pay for the tasks that I earned {$400.00}. His name is XXXX XXXX XXXX and is a real estate agent of XXXXXXXX XXXX XXXX XXXX He sent me XXXX electronic paycheck through my gmail and send he deposited them to my bank account. He gave me a lot of information from the person that I am going to send the money to how I am going to send them : these are the informations : XXXX Heres the XXXX XXXX information the merchant provided, add the email to your contact lists first and then send {$490.00}, XXXX Here is the XXXX information below : XXXX XXXX XXXX XXXX This was the XXXX address he send me. 
This was his phone number : XXXX. 
And his email address : XXXX Please I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access my credit report error message when initiating a dispute through Experian XXXX XXXX.
Product: Credit card

In XX/XX/year>, I used CareCredit to pay XXXX XXXX XXXX for a veneer installation procedure totaling {$2900.00}. The transaction was processed on XX/XX/year>, and the procedure was performed on XX/XX/year>. However, within 10 days, on XX/XX/year>, one veneer completely broke, and both eventually veneers eventually detached. Due to the urgency of the situation, I had to seek emergency dental care at another provider on XX/XX/year>, resulting in additional expenses. 

I attempted to resolve this directly with XXXX XXXX XXXX : XX/XX/year> Sent an email via the patient portal requesting a refund, no response. 
XX/XX/year> XXXX a voicemail with the office, no response.

Since the provider refused to engage, I filed a dispute with CareCredit to reverse the charge, providing : - Photo evidence of the failed veneers - A second dentists opinion, confirming the failure - Proof that the provider ignored my refund request Despite this, CareCredit unfairly sided with the provider and denied my dispute, forcing me to pay for a procedure that was faulty, required immediate correction, and was not properly executed. CareCredit did not provide a valid reason for denying my dispute, nor did they address the clear evidence of negligence I submitted.

I can provide all supporting documentation upon request.
Product: Debt collection

Failure to comply with request for validation. On XX/XX/2018 I sent via certified mail to Sun Loan Company a request for validation and letter of dispute for an alleged debt.

Sun Loan Company received and signed for the letter on XX/XX/2018.

Sun Loan Company failed to provide validation for the alleged debt and to place a comment of dispute with the credit bureaus they are reporting, XXXX, XXXX, and XXXX. On XX/XX/2018 I again sent a letter for request of validation and dispute via certified mail to Sun Loan Company for which they received and signed for on XX/XX/2018. Again Sun Loan Company completely ignored my letter and failed to place a comment of dispute with the credit bureaus. On XX/XX/2018, I once again sent them a letter via certified mail for which Sun Loan Company received and signed for on XX/XX/2018. For the third time in a row Sun Loan Company continued to blatantly show disregard for federal laws and not provide validation for the alleged debt or place a remark of dispute with the credit bureaus. By doing so Sun Loan Company is in violation with applicable FCRA & FDCPA laws pertaining to this alleged debt they have erroneously placed on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follo
ws : 1. Account Name : 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 XXXXXX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX 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 15 USC 1681. 

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

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 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.
Product: Checking or savings account

On XX/XX/2017 my XXXX XXXX XXXX and my Capital One 360 accounts were hacked. I went into the XXXX XXXX XXXX location in XXXX, LA to discuss the fact that I had lost approximate {$60000.00} from my Capital One 360 checking account and savings accounts. I was told that they could not help me with my Capital One 360 and the only way to contact Capital One 360 was by phone or over the internet. Since my account was hacked I could not get into my XXXX XXXX XXXX/Capital One 360 accounts on line. I called many times and was left on hold for 15/30 minutes. I've talked to three people from Capital One 360. One person said my funds would be returned to my account within 2/3 days. Another person said I had cashed out the account. Another person said I had transferred this money into another account. I've been dealing with this since XXXX, 2017 and I need help in getting my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # : XXXX - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : 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.
Product: Debt collection

On Saturday, XX/XX/XXXX, an intimidating man with large knuckles appeared at my home and I was hesitant to open the door but eventually did as he was walking to his car. He claimed to be a process server but did not provide me with any kind of identification or business card for me to verify this information. He handed me a packet which claimed to be an electronically filed court case from the " DISTRICT COURT OF THE STATE OF WASHINGTON FOR XXXX COUNTY XXXX DIVISION - XXXX COURTHOUSE '' .I did not sign to receive it. 

I called the phone number on the packet which lead me to Gordon, Alyworth, & Tami, P.C.  Attorneys at Law where I spoke to a person named XXXX ( I may be mistaken, he only gave it once and it was very brief ). During the call I asked many questioned to clarify what this packet was about and what my options were. XXXX (? ) was very quick to give me the run around regarding options and at one point explicitly said " I did not tell you that option because I did not think you had any money '' which I took great offense to. Upon hearing that, I made sure to reiterate the things XXXX was telling me as well as ask if that were all the options for next steps possible. Initially XXXX only presented me with 2 options, but by the end of the 16 minute call, I had 3-4 options. 

Later on, I personally visited the county clerk website to see if such case existed and there was no such case against me. After consulting with an attorney I have also found that the packet that was delivered to me had no signature from the county clerk, no reference number, no court date, and no case number. Its contents were : the appearance of a summons, a copy of XXXX XXXX XXXX XXXX WA business license, and a " case information cover sheet '' allegedly from the XXXX county district court house
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX removed my installment loan from my credit file due to them saying the accounts was suppressed due to XXXX without notifying me. However the installment is paid in for for 72 months. Ive talked with several people. Finally a supervisor XXXX said he will send those documents, which he never did. On XX/XX/year> talked with a XXXX she did send documents out. Within that process I uploaded them to all credit bureaus and was notified that they cant reinstate the installment back on with the proof, and that its the creditor responsibility to reinstate it like they removed it. Ive been going back and forward with a loan that has been paid out. All Im getting is account is closed. This needs to be on my report.
Product: Credit card

American Express sent me promotional offers to open credit cards. I applied for the XXXX XXXX XXXX paid the {$75.00} annual fee and spent {$3000.00} in the first 3 months. The promotion said I would receive XXXX XXXX points for this activity. I never received the points and when I called to complain they just said I received bonus points in the past and therefore was ineligible. I also open an American Express Rewards card via a mailer. Once again the promtion stated I would receive XXXX reward points if I spent {$2000.00} in the first 3 months. The same thing happen. They said they had no record of this promtion on my profile and I was again ineligible. I also receive multi page ( XXXX pages ) mailers at least XXXX a month stating changes in their policies. I can hardly keep up with these changes and when you call to complain they say you need to read your credit card agreement. Needless to say I 'm quite upset with this company and plan to close ever account with American Express. I feel this company is mis-leading the public and their business practices should be reviewed.
Product: Debt collection

On mid XXXX I saw on my XXXX report that the company Ability Recovery Services LLC had improperly report a debt collection to my credit for an alleged debt of {$2100.00}. The address shown based on the report experian report was an old address that i have not lived in the past 8 years. So, i had no way of knowing or even the ability to dispute this information. Failure to properly notified me of this debt violates the Fair Credit Reporting Act law 1006.34 Notice for validation of debts. I have already submitted a dispute in XXXX XXXX XXXX and XXXX. The XXXX dispute is still on, while XXXX just ignore without verifying it, I'll submit a second dispute with XXXX tomorrow. I also sent a debt validation letter to the Business in which they have yet to respond to.
Product: Mortgage

Atlantic Bay believes FEMA is just posting fake disaster declarations online, XXXX XXXX is not the President so all his disaster declarations are all just null and void and XXXX XXXX is already the shadow President, and Atlantic Bay has access to super duper top secret information that the XXXX  XXXX disaster declaration is just a total nullity. Atlantic Bay has thus unilaterally decided to go rogue and exempt themselves from all laws and XXXX XXXX  regulations on complying with disaster forbearance. The XXXX XXXX disaster is still continuing and is still affecting me financially - but even if it wasnt I had applied for forbearance timely - and it is intentionally fabricated disinformation to say that I had not. XXXX XXXX says forbearance can be extended up to 12 months. I do not yet know if I need to apply for an extension and I will try my best to minimize my time in forbearance - but it is wholly incorrect for employees to think Hurricane was just some type of liberal climate hoax and the disaster is not still continuing with major financial impacts for citizens. The XXXX  XXXX XXXX  disaster is still ongoing - I am still having adverse financial consequences and increased expenses because of XXXX XXXX- and it is disgusting for employees to insinuate our government is totally lying to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  loan # XXXX has violated my rights. 
Hard Inquiries by : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Mortgage

XX/XX/year> - I did not apply with this company and the person they texted ( who was not me ) received my personal information including details my current mortgage, my address, my credit score, my type of mortgage. The phone number was in no way associated with me, my current address, my mortgage. I called the company and the individual, XXXX XXXX ( Company E Mortgage Capital ), XXXX # XXXX and he made light of the fact that my information had been texted to someone not associated with the property or loan application. He said he would remove the number I was calling from but that does not solve the problem, he has the wrong phone number associated with the information.
Product: Credit card

I cancelled my Amazon.com Store Card about 6 weeks ago via telephone contact. I made purchases from Amazon.com online in XXXX, 2015. I selected Visa for my payment method for each purchase. I just got a bill from Synchrony XXXX for the purchases that I made. Synchrony XXXX is the processor for the Amazon.com Store Card. I contacted Amazon and they told me thatXXXXXXXX My Store Card was still active. 
XXXX That when you have a Store Card no matter what payment type you select the purchase is automatically put on the Store Card. This is called " HIJACKING '' and is illegal. 
I never signed up for an automatic purchase default to the Store Card. 
I hope the Federal Government deals harshly with Amazon.XXXX
Product: Debt collection

My name is XXXX XXXX and I am having a problem with a debt collector for XXXX XXXX, XXXX, a payday loan company. I negotiated a settlement with them after I was sued in a Texas small claims court for failure to pay back the loan. 

I agreed in writing to pay {$50.00} per month until the {$1200.00} debt was settled. The debt collector agreed in writing to release all its liens against my accounts, including my XXXX account and my XXXX XXXX account. I will attach a copy of the written agreement to this complaint. 

When I asked the debt collector about removal of the liens in an email, I received a reply ( " Whatever '' ) that dismissed my complaint.

While I may be able to sue them for breach of their agreement, I am requesting that your agency help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX  XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$780.00} XXXX  XXXX Balance : {$630.00} XXXX   Inquired on XX/XX/XXXX XXXX XXXX