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

Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these acc
ount ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information.

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 

As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately DEPT OF ED/XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 XXXX XXXX 

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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX, XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I paid the balance in full a month before it was put on my credit I have proof of payment. It should have never been reported on my credit.
Product: Debt collection

XXXX the victim of is theft I have never XXXX. Progressive insurance I have never XXXX XXXX This XXXX XXXX placed a fraud account on my XXXX
Product: Credit card or prepaid card

I had a credit card that was fraudulently opened in my name and charges were consumed. I was informed through the credit bureau that their was a hit on my credit from it and that's why I'm disputing this as fast as possible so I can get my credit back to where it was. I'm also trying to buy a home when this all happened and it has slowed me from purchasing a home
Product: Checking or savings account

I am filing a formal complaint regarding Capital One 's handling of my business checking account. Since XXXX XXXXXX/XX/year>, I have been completely unable to access my funds, view my account balance, or obtain any information about my account. Attempts to resolve this issue through their customer service have been unsuccessful, as I have received no warning, no answers, and no estimated timeline for resolution. This level of inaccessibility demonstrates negligence on Capital Ones part in managing and safeguarding customer funds. Their failure to provide reasonable access to my account has effectively left my money inaccessible, causing significant disruption to my business and preventing me from meeting critical obligations. I am seeking assistance in holding Capital One accountable for their actions and obtaining a swift resolution to regain access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623.  Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Product: Credit reporting

I have been trying to get my free credit report from them and each time they telling me i have to pay to get the report.
Product: Debt collection

On XX/XX/2022, ( Hunter Warfield Inc ) attempted to fraudulently collect a debt of {$3100.00} that was illegally sold by actual creditor ( XXXX XXXX  ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Product: Credit card

Synchrony bank- for Walmart- I reported on XXXX XXXX to their fraud dept that I did Not apply for a Walmart credit card. They gave me a claims number and recommended that I review their website for reporting identity theft. On XXXX XXXX I am getting another synchrony bank email asking about my application. Obviously their fraud dept Is inept, has been hacked or a fraud itself.
Product: Credit reporting or other personal consumer reports

I am writing to formally report serious inaccuracies on my credit report maintained by Equifax, and their subsequent failure to address these issues despite being alerted. 

Upon reviewing my Equifax credit report, I identified multiple discrepancies related to my personal information : Incorrect Name : Listed as " XXXX XXXX '' Incorrect Social Security Number : Ending in XXXX Incorrect Date of Birth : XX/XX/1985 In addition to the above personal information inaccuracies, there are credit accounts linked to this erroneous identity that have been wrongfully attributed to my report. 

To rectify these errors, I proactively disputed these inaccuracies with Equifax through XXXX XXXX Mail, ensuring they were apprised of the inaccuracies. Disappointingly, not only did Equifax fail to amend these errors, but they also did not furnish any proof of having conducted an investigation into the matter. 

It is my understanding, as a consumer, that I am legally entitled to accurate credit reporting. Equifax 's oversight and subsequent inaction directly contravene this right, potentially placing me at risk for further financial and reputational harm. 

I respectfully request the intervention of the Consumer Financial Protection Bureau to ensure a timely and just resolution. It is essential for my credit report to accurately reflect my personal and financial details, and I trust that the CFPB will advocate for the rights and protections I, and all consumers, deserve. 

Thank you for your immediate attention to this critical issue.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on Coastcombnk account # XXXX According to the Fair Credit Reporting Act 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX  ( XXXX ) pandemic during the covered period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account, XXXX XXXX XXXX  Account 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 an account without my written instructions.
Product: Debt collection

I have been sending letters to the credit bureaus and the creditors for the last 7 months about these debts that was owed. I started sending the dispute letters in XXXX of XXXX. I have not gotten any letters or original contracts with my signatures. These debts has been open by someone else other than myself. I believe that I have been a victim of identity theft. I also tried disputing the debt because there were information on my credit report that has inaccurate last date active and dates that were not consistent with each credit bureau. I also found that the accounts had some accounts showing open and in collection at the same time. I need these items removed from my credit report. The do not belong to me and are negatively impacting my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 usc 1635 i have the right of rescission of any and all contracts, anything undisclosed within the contract violates the contract, without proper understanding and full disclosure and a meeting of the minds. 

REMEDY REQUESTED : In short I am requesting that this account be deleted due to the fact that I rescinded my signature from any and all contracts with your company and 15 USC6802 gives me the right to opt out of any reporting. 
Anything after the acceptance of this letter is going to be considered 15USC 160XXXX ( p ) unauthorized use and i will be charging {$300.00} a day for the use of my private intellectual property ( My NAME and SS # ). 
If no remedy is provided then you accept the consideration i gave you to pay me {$300.00} a day and you stand in agreement that I will pursue action in small claims court for remaining balance. 
Time is of the essence : you have 30 days to remove and or pay damages for defamation, malicious negligence and these are going to be considered your agreement to pay me liquidated damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, TransUnion, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX Street Location : XXXX XXXX XXXX XXXX City & State : XXXX , PA XXXX To : DISCOVER FIN SVCS LLC Address : XXXX XXXX XXXX City & State : XXXX XXXX DE XXXX Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT DISCOVER FIN SVCS LLC Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX , A XXXX, non-Adverse, XXXX, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents. 
DISCOVER FIN SVCS LLC is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
DISCOVER FIN SVCS LLC have reported to XXXX, XXXX, and XXXX a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Checking or savings account

I've requested statement copies as well as account agreement for checking account opened with TD Bank, last request was made several weeks ago and nothing received to date. A XXXX package received from TD Bank was empty, possibly tampered with. I need statement copies from account opening to closing, the account is closed and I do not have access to online statements. I also need account agreement
Product: Money transfer, virtual currency, or money service

blockfi is stealing my money and will not give my money back. please help.
Product: Debt collection

I was not given any paperwork from this Company to pay the debt. It was just added to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC, XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Negative Credit Information Due to XXXX Hardship Under 15 U.S. Code 1681c ( a ) ( 2 ) To Whom It May Concern, I am writing in regard to the account listed below that appears on my credit report : Account Name : XXXX Account XXXX : XXXX Original Balance : {$40000.00} Status : Charged off, {$15000.00} past due as of XX/XX/year> During the COVID-19 pandemic, I experienced significant financial hardship that impacted my ability to make timely payments on this account. As a result, I am requesting that you review this account under the provisions of the Fair Credit Reporting Act ( FCRA ) and consider removing the negative information as an accommodation.

Specifically, 15 U.S. Code 1681c ( a ) ( 2 ) governs the reporting of adverse credit information. If this account 's reporting exceeds the legally permissible time frame or fails to reflect accommodations for COVID-19-related hardships, I respectfully request its correction or removal from my credit report. 

I kindly ask for your understanding and assistance in this matter. Please conduct a thorough investigation and provide me with written confirmation of the actions taken. If you require additional documentation to support my claim of COVID-19 hardship, please do not hesitate to reach out to me. Additionally, please notify the credit reporting agencies of any updates made to my account information.

I appreciate your attention to this matter and look forward to your prompt response. I can be reached at XXXX or ( XXXX ) XXXX should you need additional details. As per the FCRA, you are required to investigate and respond to this request within 30 days of receipt. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have made purchases and the money is put on hold for my account balance which withhold it from my available balance. When money is deposit into my account the amount is removed once again. Also, I have made an purchase and the money is removed from my account then once I return item the amount is not put into my account for my available balances. These items are not deposited into my account because the dates in my account are not correct meaning it do not show the actual correct amount. I have noticed this several times, however, once I reported it to my bank they say the dates are not showing duplicate withdrawals which it wouldnt because the dates are wrong. I have proof how I have purchased something then return the item and the amount was not available but shows how it was put into my account on the date I purchased it not the date it was available. Therefore, it wasnt any money available in my account.
Product: Mortgage

I had a land contract on my house loan was paid off  XXXX   2016, deed ha s not been transferred to date. Contacted company to no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  allowed a credit card to fraudulently be opened in my name in XX/XX/XXXX/XX/XX/XXXX, even though my credit union accounts were " frozen. '' I submitted the notarized affadavit and copy of the police report I filed and have followed up with XXXX  several times, but the company still hasn't removed the record from my credit files and continues to report that payments are late. My credit score has dropped because of this.
Product: Credit reporting or other personal consumer reports

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :