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

Dear XXXX, Experian There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Prepaid card

I have tried to use my AMEX card in several retailers and it only ever declines.
Product: Credit reporting or other personal consumer reports

To : Consumer Reporting Agency Subject : Disputed Charge-Off Account - Request for Immediate Deletion of Unverifiable Debt Dear Credit Reporting Agency, I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX XXXX a reported charge-off balance of {$1300.00}. This account appeared on my credit report reported by [ XXXX, XXXX, and Transunion ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/year>, XXXX completed their investigation and deleted the XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.

Please consider this letter as an official demand for the deletion of this account. I look forward to your prompt compliance with this request and expect your response within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I attempted to open a new checking account with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mo XXXX and was mailed a letter of denial stating ( Based on information received by ChexSystems, a consumer reporting agency ) Letter sent have a phone number of XXXX to call and obtain a free copy of my credit report, however when calling said number the auto mated systems continues to hang up and say call later, I called ChexSystems customer service on or about XX/XX/XXXX at XXXX CST and was hung up on several times by their representatives they are refusing to provide me a free copy pursuant to the FCRA and are reporting inaccurate information and not allowing me a opportunity to dispute it!
Product: Credit reporting, credit repair services, or other personal consumer reports

BofA received $XXXX and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  Bank of America changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. Bank of America wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and BofA is taking advantage of me. I have never had a negative mark in years and Bank of America emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraudulent accounts has been open in my name without my authorization. I requested Equifax, XXXX, XXXX to remove them but they didnt and its going over 75 days with no information saying if they took it off or not. The company name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have a credit injuries that needs to be removed can you please remove it XXXX cards XXXX  XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One Bank is falsely accusing people of XXXX of fraud to keep SBA and other government funds out of the hands of XXXX small business owners and low income communities. The pattern is the same with dozens of people and thats just the ones that are being vocal about it. Capital One froze my account for absolutely no reason, other than me walking into their bank to make a withdrawal from my account. Even after voluntary sending in documents to prove that I was rightfully awarded the Targeted Grant Funds given by the SBA. They still held my account restricted for over a week and each day when I called for an update, their agents would speak to me in ways that were less than demeaning. When they couldnt prove that I acquired the grant fraudulently, they accused me of using the funds in a way that wasnt approved by the SBA in the less than 24 hour span that my funds were released and reported me to the SBA. Never disclosing the transaction in question at all. The only goal for them was to make sure that money wasnt going to reach me. The SBA still hasnt received the money that Capital One claimed to have sent back. The real fraud is being committed by them. They took every dime out of my account on XX/XX/XXXX. The transaction says electronic transfer but it will show up on my statement as a WITHDRAWAL. They claimed that my account would be closed immediately after and it hasnt. Ive made several request for the account to be closed. Instead its still open, at a {$0.00} balance and restricted. Capital One Bank needs to be audited from top to bottom because clearly something is going on that is illegal, unethical and XXXX motivated. The screen shots that Im including are from a forum of people talking about their experiences with Capital One. I dont know any of these individuals but amazingly we all had something very obvious in common. I wasnt completely convinced until I spoke with a old coworker who has been with Capital One for over 15 years ( Still as a teller ). She told me Please stay persistent in this fight. She is seeing exactly what Im saying daily and it sickens her but she needs her job. All you have to do is put into your XXXX search bar Capital One Froze My Account Because of SBA Funds and its so many of US its beyond obvious whats happening here. Way too many to count. There was also a segment on my local news about them doing this very thing to a XXXX Man who was a small business owner. Of course due to the media attention, they quickly released his account after the news interview aired. The Consumer Finance Bureau says that its here to protect the consumers, well we need protection and answers for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  XXXX Account XXXX Date of Charge XXXX Amount : {$0.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I have a collection from Plaza Services on my credit report. I do not know what this debt is. I have never been contacted by Plaza Services. They did not have my written consent. I never received a copy of the original contract with my signature, I never received a copy of the payment history, nor did i receive the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous credit data in my file that resulted from a mistaken credit reporting but I still have ITEMS left that needed to be removed. This is my new letter that I am a victim of erroneous credit report details and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an alleged identity theft : EXPERIAN : XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -EQUIFAX : XXXX XXXX Balance XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX BV XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

LexisNexis XXXX XXXX are reporting incorrect information on my consumer report. They have several name variations and address that do not belong to me. I did not receive any solicitation from LexisNexis to dispute this information before they released it and caused me to be denied credit that is my right. Under whose authority is LexisNexis working because federal law states they are required to report accurate information. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Shellpoint Mortgage services has been repeatedly calling my number trying to collect someone else 's debt. I've contacted the company multiple times and informed that I am not the person they're trying to contact and told them to stop contacting me. The representative always says okay and hangs up and I continue to get calls and voicemails with someone else 's private information left on my voicemail.
Product: Credit reporting or other personal consumer reports

I have contacted Jefferson Capital LLC about the collection account ( s ) XXXX XXXX listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : collection/Charged Off XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXXXXXX XXXX BalanceOwed : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX BalanceOwed : {$14000.00}.
Product: Credit reporting, credit repair services, 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Date : XX/XX/2024 Amount : {$900.00} To Who

m It May Concern, I am writing to file a complaint regarding a collection agency 's violation of the Fair Debt Collection Practices Act. Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency was required to provide validation information before placing a collection on my consumer report. However, they failed to do so. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency proceeded to report the account to a consumer reporting agency without providing the necessary disclosures, therefore violating 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( a ). 

I kindly request that the collection agency provide me with proof of delivery of the required validation information and disclosures, before entering this account on my consumer report. It is imperative that they comply with the laws and regulations set forth by the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter.
Product: Mortgage

Greentree increased my electronic payment by {$54.00}. When contacted, Greentree explained the increase was due to an appliance warranty purchased from XXXX. I was told to contact XXXX for refund. I contacted XXXX and they explained I had purchased this warranty and should use it. I demanded proof that I purchased the warranty and they have not presented it for several months and XXXX calls now. I never purchased a warranty and Greentree has denied my request for a refund and payment history allocation.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
XXXX XXXX XXXX XXXX ( XXXX ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Payday loan, title loan, personal loan, or advance loan

I received a title loan with One Main Financial. When signing all documents I was told that I had to purchase their life insurance on the policy. Every loans I have taken with them included a life insurance even if it was being refinanced another insurance policy was added on. I was told it was mandatory for getting the loan. Now that this has been brought to my attention with the lawsuit I am told otherwise. Also with paying off a loan and refinancing the interest rates were not recalculated. Meaning from the previous loan the final amount with the interest was carried over. I was also declared State and Federal XXXX. I was not giving the option stated in their contract any relief at all with the insurance. This was not fair to me or other consumers.
Product: Credit card or prepaid card

capital one is not in compliance with the truth in lending act and the fair credit reporting act. 
they are in many violations pursuant to federal law company policy does not trump federal law