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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I have held multiple high-interest savings accounts with CapitalOne XXXX XXXX Bank XXXX XXXX ING Direct ) for more than a decade. All were opened as high-interest savings accounts under ING Direct and XXXX to CapitalOne XXXX Savings accounts when CapitalOne acquired ING Direct. As general interest rates went down, the interest rate on these accounts also went down, as expected. But when interest rates went up, instead of raising rates on these high-yield savings accounts, CapitalOne created a new class of accounts ( " CapitalOne XXXX XXXX XXXX '' ) and advertised higher rates ( 4.1 % at this time ), but left the existing XXXX XXXX accounts marooned at low-yield rates ( 0.3 % at this time ). I am writing to complain about this deceptive bait-and-switch. I have held thousands of dollars in savings with CapitalOne with the understanding and expectation that these accounts would continue to be high-yield. When I called customer service, they advised me to open new accounts and transfer funds, which I did. But that does not address the deceptive practices of CapitalOne, which cost me substantial interest over an extended period of time.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FRAUDULENT CREDIT CARD OPENED UNDER IDENTITY THEFT APPLIED ON TO MY CREDIT REPORT BY EXPERIAN THEY HAVE BEEN SENT 5 TIMES THE FRAUD FTC REPORT
Product: Credit reporting

For the past few months, I have attempted to get a credit card through XXXX XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.
Product: Checking or savings account

XX/XX/2022 I was in XXXX used my card at ATM after that I lost my card, and few transactions made not by myself. When I found out that I called Chase created a case but they closed my case without refund saying because I do have inflight transactions, so I feel like they are saying because I travelled to XXXX and they dont refund any amount that not by me located in XXXX XXXX
Product: Mortgage

I had a tree fall through my house, made a claim and insurance sent over a check for {$23000.00} and I mailed it to my Prmi mortgage XXXX and they received it XXXX. It was supposed to be in the mailroom for up to 72 hours then reviewed for up to 6 to 8 business days then sent back to me through the mail. Supposedly it was put it in usps but with no tracking on it, because their policy is they don't need tracking on anything under {$45000.00}. It's now lost in the mail and hurricane season with a hole in my ceiling and a XXXX  in the house. So now I have to go through the whole 3 month process again and hoping that they can get the check out to me this time.
Product: Checking or savings account

Every week I need to call Chase Bank due to credit card issues or checking account issues. They are constantly dealing with fraudulent charges on my credit cards. The fraud claim I filed more than 2 months ago was just ignored. 

I finally decided to cancel my account. I updated all credit card payments to be paid from XXXX XXXX. 

The branch on XXXX XXXX XXXX XXXX XXXX said they closed the account. They did not. 

I had to spend more than XXXX hour dealing with multiple transfers to settle this issue. 

They then said the auto pay was still linked to my Chase checking account. It was not - I changed the payment to be made by XXXX XXXX more than XXXX weeks ago. 

In addition they charged a {$XXXX} checking fee even though I told them I was closing the account. I explained that I was waiting for a fraud claim to be settled. Again they never followed up with me on that claim.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! ADDRESS XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS/INQUIRES/ COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX| XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you. XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received an email offer from Ally Bank saying that if I opened an eligible account by XXXX funded the account by XX/XX/XXXX and kept the funds in the account through XX/XX/XXXX I would receive a 1 % cash bonus up to {$500.00} on XXXX. I followed the prompts at the bottom of the email and opened a money market account XX/XX/XXXX and funded it with {$50000.00} on XXXX. I also deposited another {$15000.00} on XXXX On XXXX XXXX I called and asked where is my {$500.00} bonus. I was assigned a case number XXXX and told I would have a response in 7-10 business days. I called after 7 business days and again after 10 business days and each time I was not given a response. The second time I asked to speak to a supervisor. After a lengthy wait on hold I got to speak to a person named XXXX. He told me that they would not give the {$500.00} bonus because I did not enter a promotion code. When I clicked on " Get Started '' at the bottom of the offer, I simply followed the prompts and opened the account. No promotion code was requested or mentioned at all when I opened or funded the account. I believe that this is a very deceptive practice on the part of Ally Bank in order to avoid paying the bonus. I was told by XXXX that other people are in the same situation as I am regarding this bonus. I have saved the email offer and I can forward it to you at your request. I do not know how to do it on this platform.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. 
Thank you.
Product: Debt collection

In XXXX 2015 I discovered that there was A Judgement on my credit reports that was not mine. This judgement was entered in XXXX ( NY ) City Court and a transcription of this judgement was filed with the XXXX County ( NY ) clerks office. I went to XXXX ( NY ) City Court in XXXX 2015 and the judgement was vacated by the Honorable XXXX XXXX XXXX. The City of XXXX claims that notice of this order to vacate judgement was sent to the attorney that was acting as a collection agency, XXXX XXXX XXXX of XXXX NY. The XXXX City Court will not give me any of this documentation. It has now been 10 months since this judgement was vacated but it is still on file in the XXXX XXXX ( NY ) Clerks office. When my credit profile is pulled this judgement is still showing in my files adversely impacting my life. I checked with the XXXX City Court and they tell me that the judgement in fact was vacated and that the collection agency, XXXX XXXX XXXX needs to notify the XXXX XXXX Clerk of the true and correct status of this judgement so that it will be reported accurately to credit reporting agencies. I sent written communication to XXXX XXXX XXXX on XXXX XXXX, 2015 via USPS Registered mail. This letter was delivered on XXXX XXXX, 2015. In this letter I asked that XXXX XXXX XXXX office complete their duty to report the correct status of the judgement that was vacated to the XXXX XXXX Clerks office so that it XXXX be XXXX and expunged and all records could be made accurate. I did not receive any reply from XXXX XXXX XXXX office. Today, I went in person to the XXXX County Clerks Office where they told me the judgement was still on file and there was no information that it was vacated. I told them to remove this record and they would not, saying that they needed official notice that it was vacated. I then went directly to the XXXX City Court to get documentation for the XXXX County Clerk. I was again told ( for the third time ) that this documentation was sent to XXXX XXXX XXXX and that was the party that need to correct the records of the XXXX County Clerk. I informed them that XXXX XXXX XXXX refused to do this but I was not given any other avenue to correct this incorrect reporting to XXXX County on my own. I am aware that the continuance of XXXX XXXX XXXX to report information that they know is incorrect and or inaccurate is against the law.
Product: Money transfer, virtual currency, or money service

I sent XXXX to my Mother in law and it was sent to the wrong bank account due to a typo. I noticed immediately after it was sent and they refused to cancel it or contact the received bank to arrange and fix the account number which was just XXXX number off. This was my rent so I told them I needed this fix immediately and they said it was gon na be solved in half a month
Product: Checking or savings account

On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I did not notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 
I called in the early XXXX of XX/XX/year>, around XXXX XXXX, to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : # XXXX. 
On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 
On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 
After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.
Product: Student loan

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXFORTIVA, has violated my rights. 

15 USC Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my report from identity theft XXXX XXXX  XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - TD BANK USAXXXXTARGET CREDXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX  and XXXX  have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Product: Checking or savings account

I went to the branch in person and closed all my accounts : checking, savings, line of credit in XX/XX/XXXX. In XX/XX/XXXX I received notice from a debt collector that I owed Truist Bank. That was not the bank I used at the time but has since bought out/merged with BBT. I called and found that my account hadn't been closed and that they were charging overdraft fees the whole time. I never received any notice of this until the debt collection letter. Despite having closed the account I paid all the fees and closed the account again. I submitted a dispute on the ding to my credit score which Truist denied. Yesterday I received notice that the account once again had a negative balance and was apparently still not closed. This caused yet another ding to my credit score. I once again spent multiple hours on the phone trying to get this fixed and once again paid the fees to close the account. I have zero faith that they will actually close the account. I would like the marks removed from my credit score and the funds returned to me for my mistake, but at this point I would settle for them actually doing what they told me they would do 3 times and close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXXSS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, XXXX XXXXt, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Account was settled on XX/XX/2024 requested a letter on XX/XX/2024 to have it removed from all three credit report bureaus via email, No response from collectors. Account still reflects on credit report.
Product: Vehicle loan or lease

Somebody used my SSN to lease a car and open several accounts. 
I have contacted Kia Finance, provided them my police report, my passport and ssn and described an issue but no action from their side.