23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I applied for a Mortgage Loan with Capital One in response to a " Paradise '' promotion we received on XXXX XXXX, XXXX. The promotion was for existing Capital One Venture credit card customers, and promised XXXX bonus miles if we refinanced our mortgage with Capital One. We proceeded with the refinance, making sure to reference the promotion with our loan specialist many times to ensure we would receive the promised reward. We closed our loan on XXXX XXXX, XXXX, and the loan funded several days after. The fine print of the promotion stated that the XXXX points would be deposited into our account within 60 days of the loan funding. As of XXXX XXXX, XXXX, the promised points have not been deposited. We followed up with our loan specialist on XXXX XXXX, which was beyond the 60 days promised. We received a response on XXXX XXXX that we would see the points on our XXXX statement. On XXXX XXXX, we received our XXXX statement but the points were not deposited. Our loan specialist appears to be doing what he can to make sure Capital One complies with their promotion, but unfortunately Capital One has failed to deliver what they promised. The promotion was the main reason we chose to refinance with Capital One, and feel that we were deceived by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were opened or reported fraudulently without my authorization. 
The fraudulent accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Amount : {$37000.00} XXXX. XXXX XXXX XXXX. 
XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$560.00} XXXX. XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$560.00}
Product: Bank account or service

I went to American bank to made a deposit of {$500.00} for my mama and the ask me for ID I believe need show ID if is over {$10000.00} I would like know if I 'm wrong and why I need show ID for that amount Thank
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, defamed my character and caused me great emotional and physical stress : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
For the other accounts : 12 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 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely,
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 and this company failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently tried to file disputes with all 3 credit bureaus ( XXXX XXXX and XXXX ) because National Credit Systems who is a debt collector has reported to my credit and my husbands credit an account that does not belong to us. They are reporting that the original creditor is XXXX XXXX we have never signed a lease with XXXX XXXX or lived at XXXX XXXX XXXX. WE DEMAND If national Credit Systems does have proof of a contract to show it to you and you will see creditor name listed on it if we did sign a lease with their original creditor is not National Credit Systems. I want the collection account they are reporting to be removed because they are reporting inaccurate information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba GRID XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Subject : Dispute of Delinquent Account Dear Sir/Madam, I hereby write to bring to your attention a matter concerning my account with your esteemed organization. I am writing in response to the delinquent account that has been settled in my name. 

First and foremost, I appreciate your company 's effort in reaching a settlement regarding the aforementioned account. I understand that it is crucial to address any delinquencies promptly to maintain our positive financial standing. 

However, after reviewing the account in question, I have noticed a discrepancy that I believe requires further investigation. It has come to my attention that certain elements within the account statement are inaccurate or in need of clarification. 

Specifically, I would like to dispute the charges associated with the grid account and the charges for XXXX XXXX  These charges were either not incurred by me or were previously settled. It is essential for the record to reflect the correct information to avoid any potential damage to my credit standing. 

In order to expedite this dispute resolution process, I kindly request that you provide me with detailed documentation regarding the charges in question. This includes copies of invoices, receipts, or any other relevant records related to the settlement of the account. Please ensure the documentation includes the dates, descriptions, and any additional information that will help in reviewing the charges thoroughly. 

Furthermore, I urge you to investigate this matter promptly and rectify any errors that may have occurred during the settlement process. As an informed consumer, I understand the importance of maintaining an accurate credit history and ensuring that all charges and account information are correct. 

I believe that by working together, we can quickly resolve this issue and reach an amicable solution. I kindly request your assistance in resolving this matter in a timely manner to prevent any further complications. 

Sure, I can help you with that. Here is the rewritten version of the text to improve clarity : I want to clarify that I did not call the police or file a police report because the person who used my account was a close family member. Hence, there is no report regarding this matter. I have been emphasizing this point to resolve the issue. I had already paid the account, and it was only after a year that I was informed about owing {$240.00}, which I do not recollect. I kindly request you to remove this amount from my account once and for all, so I do not have to deal with this any longer. 

I look forward to your prompt response and a swift resolution of this matter. Please reach out to me at your earliest convenience at the contact information provided above should you require any additional information or clarification. 



Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over 45 days ago I requested method of verification and proof of verification for three accounts reporting on my Experian report and the information was never received. However, Experian informed me, Report # : XXXX, that the accounts were verified but no proof of verification provided. 

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be deleted from the consumer 's file. Additionally, under 15 U.S.C. 1681c-2, any information that is the result of an unverifiable or inaccurate reinvestigation must be permanently blocked from my credit report. Since Experian has not provided sufficient evidence of verification, I demand that the unverified negative accounts be immediately deleted and blocked from further reporting on my credit report.
Product: Credit reporting or other personal consumer reports

Do you job you are fully incompetent to call each student loan holder that you stupid Experian have the student loans holder phone number the information was sent to all credit bureau by the department of education that the loan was from all students loans is closed this company failed to complete the first dispute filed this year in XXXX XXXX and XXXX on all student loans this is fraudulent activity by experian contract the department of student loans today and thats facts call each loan holder and I bet they crack your face completely open Experian is trash and the facts of life is I have no reason to lie to you are nobody else listen up experian you are trash once you contact the student loans department remove this bull. Asap thats the facts of life you failed to do you job consumer and a judge should not have to make you follow the law you are stupid who every failed to verify these students loan need to be fired today get up off your XXXX and call each student loan hold you are XXXXXXXX XXXX XXXX you need to be tested for XXXX  because this dont make any sense call the loans holder right now or resign from your position in Experian today do your job
Product: Debt collection

Earlier this month, I created accounts with the three federal credit bureaus to freeze my credit after learning my personal identifiable information was compromised during a data breach. As a result, I discovered an uncollected debt collection from Radius Global Solutions LLC with the original creditor of XXXX XXXX XXXXpened in XX/XX/year>. This is not my debt nor is it an account i created before. I am currently under my sister 's family phone plan ans have been for the past 2 years. I have not opened any other additional account from XXXX XXXX  before for other services. I have also never received notification of this debt nor this collection. I believe my information was compromised and wish to dispute this.
Product: Debt collection

I was hired by a friend to perform a project for his company. He failed to pay for 3 months so I started searching online for leads and information how to collect on past due invoices. I was lead to XXXX debt collection and provided my information to speak to someone. I did not know I was signing a contract by providing my information. Upon speaking to the representative over the phone, I was asked to provide supporting documentation of the debt. I did not respond to the email nor did I provide any information. 

The debt collection agency, TSI, followed up with emails asking to provide invoices or any information supporting any claim of not being paid. I immediately responded to two emails stating to stop any collection attempts as I did not authorize anyone to make collection attempts. My emails went unanswered. My friend who hired me is a friend I was working out a plan with to hopefully obtain more work in the future but be paid in advance as opposed to work and be paid later. And now I am getting phone calls, emails and now a letter from an attorney for 50 % of an amount they say they collected for me. Please help.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. statebridge bought loan  XXXX  2016. also, there was  a three month pa yment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.
Product: Credit reporting or other personal consumer reports

With each bureau, I disputed inaccuracies with how the account shows on my reports. ( XXXX XXXX XXXXXXXX ) Ive requested for the account to be deleted due to the inaccuracies but each time, it only updates the account. The inaccuracies are as follows : Last payment reports as XX/XX/XXXX when two reports reflect XX/XX/XXXX as the last payment. Account status reflects PAID on a report and In Collections/Charge Off on another. On Experian, it reflects as Paid in Settlement. The Times 30/60/90 is inaccurate. On one report, it shows XXXX. On another, it shows XXXX. 

No action has been taken to delete the account when inaccuracies are being reported.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand to Update PII and Delete Dated Information To Whom It May Concern, I am submitting this formal complaint and demand immediate action to update my Personal Identifiable Information ( PII ) and delete inaccurate information per - XXXX/Equifax/XXXX  ] XXXX 

My current information that requires updating is as follows : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Primary and Only Phone Number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer Name : Empowered Talks and Stocks I demand that the following outdated information be promptly deleted : Despite repeated attempts my PII has not been updated, jeopardizing my privacy and potentially affecting my ability to receive crucial communications. 

I insist that you conduct an immediate investigation into this matter and ensure that my PII is updated accurately. Additionally, I request confirmation in writing once these updates and deletions have been completed. 

Failure to address this demand within a reasonable timeframe will compel me to pursue all available remedies under the law. 

Enclosed are copies of relevant documents supporting my current information. 

Thank you for your urgent attention to this matter. I expect prompt resolution and confirmation of action taken. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

My loan was in default initially, XXXX and now shwoing XXXX, I'm XXXX years old making XXXX this year, all of a sudden I am getting these high payments and my credit score was destroyed. I was having my taxes garnished every year as payment and i was ok with that but now i dont know what to do. 
XXXX XXXX  Last reported XX/XX/XXXX {$77000.00} Reported balance Highest balance {$16000.00} You've paid off -382 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$16000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 11 mos ) Term 360 months ( 30 years ) PAYMENT HISTORY You've made 22 % of payments on time Payment status 120-149 Days Late Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Open Type Education loan Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 0/1/6 CONTACT INFO XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX See a mistake? You have a right to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a account without my written instructions.
Product: Debt collection

Authorized representatives : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Online Information Services Inc., are demanding {$340.00} Upon checking my credit report an unknown authorized representative of Online Information Services Inc., flagged my credit files with unverified collection activity on XX/XX/2023. 

The authorized representative of Online Information Services Inc., did not honorably submit their demand for funds/tender via the US Postal service to allow a proper dispute via their claim of {$340.00} I did not authorize Online Collections Service Inc. , a permissible purpose to access my social security number to damage my credit files.

Online Information Services Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received goods or services from Online Information Services Inc.

I am formerly requesting XXXX XXXX to provide contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to an authorized representative of Online Information Service releasing my private information.

The authorized representative of Online Information Services Inc., are aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Online Information Services Inc.. , on behalf of XXXX XXXX at the expense of my private information being on display to whomever.

I am not a party to any agreements Online Information Services Inc., may or may not have with XXXX XXXX I am not responsible for Online Information Services Inc., purchase / transfer from XXXX XXXX. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Online Information Services Inc.

Online Information Services Inc., does not have permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety.

Online Information Services Inc.s reply outside of the CFPBs portal, must be delivered via the US postal service . If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.