23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had my account closed after contactin a review of my account and it wasn't due to my credit worthiness. On that note, I would like the reopening of my account as I have done nothing wrong on my behalf and if so I would like capital one to address the matters that they are asking based on business concerns to my previous response that has violated their XXXX. What activity was done as the only activity used for this account was to pay bills so I would like the reopening of my account ending in XXXX this seems like a cover-up to hide the fact that they are in violation of FCRA laws and I am able to pursue legal action on this as they are closing my account with no such proof or disclose of this 'activity ' they are stating along with the fact my payment was never 30 days late and they are reporting absurd extra self harming information on my credit report as I am trying to go for a mortgage loan.
Product: Credit reporting or other personal consumer reports

I am writing this formal complaint against Experian for apparent violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically related to privacy and confidentiality as outlined in 15 USC 1681. 

I initially contacted Experian regarding the following accounts, requesting a reinvestigation into their reporting accuracy : XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX My initial communication was sent to Experian on XX/XX/2023, and I have yet to receive a timely response as mandated by the FCRA. This lack of responsiveness not only represents a violation of federal law but also denies me the opportunity to review any supporting evidence demonstrating the accuracy of the reported accounts. 

I am particularly concerned about the potential damage to my creditworthiness resulting from Experian 's failure to comply with the FCRA 's provisions. As a consumer, I am entitled to the fair and accurate reporting of my credit information, and Experian 's actions have compromised my ability to verify the validity and precision of the accounts listed above. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take the necessary actions to ensure Experian 's compliance with the FCRA. Additionally, I urge the Bureau to compel Experian to provide me with a copy of any evidence supporting the accuracy of the reported accounts in a timely manner. 

Enclosed with this complaint, please find copies of my original communication to Experian, along with any relevant documentation supporting my claims. 

Thank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and protect consumers ' rights.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XX/XX/XXXX I trust this matter will be resolved quickly, and I appreciate your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Bankruptcy Reference # : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts listed below 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.

Here is the list of the accounts that has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Bank Account Number : XXXX Account Name : XXXX Bank Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX bank/XXXX Account Number : XXXX Account Name : XXXX BankXXXXT Account Number : XXXX Account XXXX : XXXX Bank/XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX Reference Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and unauthorized accounts have been opened in my name without my consent. 
Below are the details of the fraudulent accounts that need to be blocked and removed : XXXX Accounts : XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$13000.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$470.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1600.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$480.00} XXXX XXXX XXXX - Account No. XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} Fraudulent Inquiries : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED AXX/XX/XXXXccount Number : XXXX Delete this account 3. there is some inaccurate information reporting XXXXXX/XX/XXXXccount Number : XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXXDate of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$630.00} XXXX XXXX Opened XX/XX/XXXX {$730.00} My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 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, creditstanding, 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 Under The Doctrine of Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I want : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

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

EQUIFAX HAS WIPED MY ENTIRE CREDIT REPORT CLEAN ... ..ITEMS I PREV DISPUTED AS BEEN PLACED BACK ON MY REPORT IN WHICH IS AGAINST THE FAIR CREDIT REPORT ACT. FIRST SOUTH FINANCIALLY WAS REMOVED OFF MY REPORT ON XX/XX/18 UNDER NUMBER XXXX THEY HAVE ADDED IT BACK TO MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the XXXX XXXX XXXXXX/XX/year> and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.
Product: Money transfer, virtual currency, or money service

When I had originally started using zelle inXX/XX/XXXX I sent money to the wrong phone number and in the amount of {$600.00} and when I contacted Zelle they told me there was nothing that could be done and that the money was out of my account
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  the cashier on a store mistakenly reactivated an XXXX XXXX XXXXXXXX XXXX XXXX  which was no longer needed, it has long been dormant hence closed, but the store clerk had clicked the reactivate button which resulted in a hard pull on the credit history. She apologized but the imprint of the pull was left behind and has to be removed, as she was not permitted to reactivate the card Since then i have contacted XXXXXXXX XXXX and they claim to have reported the error to the credit Bureau but the credit bureau Experian does not see an error reporting at their end. I have contacted Experian who indicated to call Fed Trade Commission and send them the paper work. 

I have called and faxed XXXXXXXX XXXX XXXX  for a request to contact the credit bureau and fix this all to no avail.
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  Account Number XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX  Account Number 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 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: 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 NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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: Mortgage

This complaint is directed at Guaranteed Rate Inc ( GR ). GR originated my mortgage in XX/XX/XXXX. They sold my mortgage to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. I was instructed by GR to submit my XX/XX/XXXX payment to GR and that it would be forwarded to XXXX. As of XX/XX/XXXX XXXX had not received my XXXX Payment. I called GR and was sent an email stating that the payment had indeed been forwarded. I fought XXXX  for another 3 weeks before following up with GR. On XX/XX/XXXX I was informed via email that the XXXX payment had not been sent but that it would be included in the next wire. The email informed me that the payment would be reflected in my account in 5-7 business days. After nearly 3 weeks the payment had not been credited to me. I left GR multiple voicemails requesting a call back ; they would not return my calls. Finally on XX/XX/XXXX I spoke with a supervisor who informed me for a second time that the payment was not forwarded despite prior assurances. Finally on XX/XX/XXXX ( 73 days since XXXX  took over my loan ) I am finally seeing progress in getting credited for my payment. The past two and a half months have been nightmarish and indescribably stressful. GR showed negligence in its initial handling of the transfer followed by complete indifference to my hardship. I have emails, documents and points of contact to support the above narrative.
Product: Debt collection

I have asked XXXX  XXXX previous to the call to my employer on XX/XX/2018 at XXXX XXXX, to not call my employer again. I informed them of this again, when I called XXXX after the HR rep emailed me that they had called her office this morning. They did not follow the direction to not contact my employer the first time I told them about 2-3 months ago.
Product: Credit reporting or other personal consumer reports

All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and Equifax have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.
Product: Checking or savings account

I have an   XXXX   XXXX   account to receive early payments and it 's not reflecting my c orrect   XXXX   account ba lance
Product: Checking or savings account

My Father passed away XX/XX/XXXX. I became administrator of his estate XX/XX/XXXX and so began my probate work. As I tracked his checking and savings account down, and began collecting statements, I processed all of the necessary documents in order to gain access to his accounts to settle them for him. proof of death certificate, original administrator orders from the court, and a notarized document specifically for Wells Fargo, where my father had both a checking and savings account. The XXXX, Ca Branch. I was dealing directly with the branch manager, whom was going through my fathers account and noticed something that startled and worried him. He immediately got on the phone with the Fraud Department for Wells Fargo and began discussing a {$3000.00} check that was dated XX/XX/XXXX XXXX XXXX XXXX ), yet was not cashed until 4 weeks later, 2 weeks after my dad had passed away. At the time Wells Fargo in XXXX, CA printed out a copy of the fraudulent check, and told me that I would be unable to close the account until they were able to process the claim and return the {$3000.00} dollars to the account or for me to open an estate account with my name on the account as wells as my father 's estate. 
Following up on this matter today XX/XX/XXXX, I spoke with Wells Fargo Estate Department and told them the situation for a resolve to begin, and that department contacted the Fraud Department Wells Fargo, and the Estate Department came back on the line after XXXX min. of waiting and iformed me that the Fraud Department denied my claim! They claim that they compared signatures of my fathers to the one on the check and that they matched!! This is absolutely absurd. A straight Lie and a despicable one at that. Also, the man who's name is on the check is currently in jail for XXXX Fraud he used social security # 's of homeless people and recieved {$380000.00} in fraudulent payments. 
Wells Fargo said they would reimburse the money for the fraudulent check that they should NEVER HAVE CASHED in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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: Debt collection

I sent the first debt validation letter requesting for Validation not Verification to this collection agency on XX/XX/2019, they responded on XX/XX/2019 by stating that they don't have to have a license to collect debt in North Carolina and also Monterey collections said that I had 30 days from the date I was notified by them but I never received any letters from this company. Then I sent them a second debt validation letter on XX/XX/2019. In this letter I stated : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. They responded on XX/XX/2019, by stating the same thing they stated in the first letter, but this time they said they want respond to any more letters that I send to them in the future.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is XXXX.
Product: Student loan

I submitted an application for XXXX and was estimated on the application to be paying {$460.00}, which was my payment amount previously but my loans were removed from that and switched to XXXX according to MOHELA 's website. based on mine and my husband 's Adjusted Gross Income of $ XXXX is accurate. On XX/XX/XXXX I got a notice from MOHELA stating I was approved for XXXX in the amount of {$1100.00}. This amount is nowhere near the estimate and is not accurate based on my income. I was also laid off at the end of XX/XX/2023 and without a job until XX/XX/2023. I also had to take a $ XXXX pay-cut. My payment should be 10 % of my discretionary income. I called MOHELA and spent two hours on hold just to be told they needed to transfer me. After another 45 minutes where the representative didn't even check back with me once, I ended the call with no resolution.