23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One allows an unknown person to open a credit card using my identity, sent the credit card to the address of the identity theft, and reported the fake credit card on my credit account in all three credit bureaus. 
When contacting Capital One @ XXXX at XXXX of XX/XX/XXXX, the supervisor, XXXX, located the fake account under my ID, said thefts are often using this way to access innocent people 's credit and assets. He agreed to take care of the identity theft issue as soon as he received the disputes from credit bureaus. 
At XXXX on the same day, I went to precinct XXXX XXXX NY intend to file a policy report, but I was told that I must get the paper from directly Capital One saying I did not apply for credit card before they can accept my complaint. I therefore contacted Capital One right at the Precinct, However, all of the Capital One fraud agents, supervisors I spoke to, including XXXX, XXXX, XXXX, XXXX, and XXXX, claimed that there is no credit card under my ID, even though it existed in their system 4 hours ago, also on all three credit bureaus ' reports, black and white. Supervisor XXXX ( employee ID : XXXX ), after spent one hour of searching with her colleagues and concluded that no credit card under my identity, refuse to write me a letter just saying there is no Capital One credit card under my ID. 
I have reviewed all information from three credit bureaus and am able to gather the identity theft 's exact address, cell phone number, and the full credit card number in question. However, the police at XXXX XXXX does not want to file a report, Capital One is somehow acting to hide the theft 's information. It appears that this case will go nowhere and the theft is getting away and is able to continually harm more innocent peoples in our communities. 
BTW, XXXX also reported that Capital One has been making unbelievably frequent Inquiries to my account, though I never apply credit with them. What are they trying to do? 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,... 
Documents can be furnished upon request.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform : Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Unauthorized Information under 15 USC 1681 equifax shared information on following accts This is in regards to the following 5 Accounts. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? 
They definitely arent in XXXX XXXX Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt
Product: Debt collection

1. Debt Validation Needed : I've yet to receive comprehensive validation for the alleged debt, as required under 12 CFR 1006.34 ( b ) ( 5 ). Understanding the specifics of this debt is crucial for me, including the amount and any documentation linking it directly to me. 
2. Documentation on Debt Ownership : Could you please provide the purchase agreement between your agency and the original creditor? This request is based on my right to see proof of your authority to collect this debt, ensuring transparency and compliance with legal standards. 
3. Proof of Licensing and Bonding : In the spirit of due diligence, I ask for evidence of your agency 's licensing and bonding to operate within my state. This requirement, aiming to protect consumers, aligns with general legal expectations for debt collection practices. 
4. Missed Opportunity to Dispute : Addressing a critical issue, it's concerning that I was never provided the opportunity to dispute the alleged debt, as protected under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This gap in the process has significantly hindered my ability to ensure the accuracy and fairness in the handling of this debt. The Fair Debt Collection Practices Act ( FDCPA ), as specified in 15 U.S.C. 1692g ( a ), mandates the delivery of such notice. This is essential for providing consumers the chance to dispute or verify the claimed debt. The lack of any formal notification, substantiated by the absence of a certified mail receipt as proof of my informed status, starkly removes verifiable evidence that I was notified about this debt. This absence not only deprives me of my federal right to dispute but also places me at a disadvantage in safeguarding the integrity of my credit report. Given these circumstances, I kindly request that your agency provide me with proof of the certified letter purportedly sent as notification of this debt. This documentation is crucial for verifying that my rights under federal law were respected and that I was indeed given a fair opportunity to dispute the debt in question. 
5. Concerns Over Credit Reporting : The presence of this collection on my credit report, without proper validation or the chance to dispute, raises serious concerns. Reporting such unverified debt contradicts the principles set by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), which guide accurate and fair debt reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX19,XX/XX/XXXX-19 Incorrect balance, the date reported, and the account type is inaccurate. 

U.S. Bankruptcy Court # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I opened a savings account in XXXX, my account was closed for absolutely no reason. I have called so many times and they keep telling me the account is under review. Once the review is cleared they will reopen the account and send the funds back to my original bank account which is where they came from. It is now XXXX and the account is STILL under review. Marcus by Goldman is the absolute most helpless company I have ever dealt with.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A 30-day late payment is inaccurately reported for XX/XX/XXXX across XXXX, Experian, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record.

3. Inconsistent Reporting : Experian and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA.

Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not feel that XXXX has done a proper investigation into the inaccuracy on my credit report. I disputed the collection account reporting on my report for CREDIT COLLECTION SERV. XXXX updated the report with a statement that the account was disputed by the consumer, but I have yet to receive anything detailing how this account was verified. I do not recall owing this amount with the original creditor. Please validate as I believe you are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. Until this account is investigated and validated, please remove this immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

My student loans were forgiven and they are still showing on my credit reports on all credit bureaus.
Product: Checking or savings account

On XX/XX/24 approximately around XXXX I received a text message from XXXX fraud alert. I called them and they asked if I made these purchases I replied no, they took care of those charges from XXXX  XXXX. I also noticed that there was a charge of XXXX to XXXX XXXX XXXX XXXX XXXX ( I do have phone service though them, but only pay XXXX a month ) Truist did an investigation and deemed me responsible. I filed a police report, as well as spoke with XXXXXXXX XXXX XXXX neither of which helped me. I reopened my claim with XXXX and sent them pictures of my XXXX XXXX XXXX payments as well as the charge to my bank account. They gave me a provisional credit and still deemed it my transaction stating it traced back to my XXXX. Now they want me to pay back the XXXX provisional credit of XXXX, and refuse to reopen my claim knowing I went to the police as well as filed many complaints to federal trade commission and so on.
Product: Debt collection

XXXX XXXX  has reported another person phones and equipment to my account and billed me over XXXX. I have disputed this with them and chose not to bill the correct person and sell the account to debt collectors. This is the second debt collector to report this to this to my credit when this is not my bill.
Product: Credit reporting or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect- spelling errors or just plain wrong. PLEASE Fix EVERYTHING in my personal infomation that is NOT the following : This my legal name : XXXX XXXX XXXX please delete any other references to names as they are not mines and I have never used any of them. My address : Also, please be sure that my address is listed correctly. my address should XXXX XXXX XXXX XXXX XXXX XXXX Please send me a new report when you are completed so i XXXX continue to verify its accuracy. Thank you for your understanding
Product: Debt collection

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 15 U.S.C 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, credit repair services, or other personal consumer reports

Update to credit file not being applied to my report for more than 30 days, balance is reporting as unchanged by Credit Karma, although my credit union reports it monthly on the XXXX none of the credit reports is showing correct information on balance for past 45-60 days.
Product: Credit reporting or other personal consumer reports

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 Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY 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 XXXXXX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 

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

I am writing to formally dispute the inaccurate reporting of the XXXX XXXXXXXX XXXX XXXX account # XXXX on my credit report. This account has been reported inconsistently across the three major credit bureaus, with several discrepancies that need immediate correction : Experian : The account is reported as a collection agency with a last active date of XXXX and is shown as closed. 
XXXX : The account is also reported as a collection agency, but with a last active date of XXXX, and is listed as open. 

Despite these conflicting statuses and dates, the account shows no late payments or any other negative information. The inconsistent reporting is misleading and potentially harmful to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), requires that furnishers of information report accurate information to credit reporting agencies. The discrepancies in the reporting of this account, including differing last active dates and the conflicting statuses of being open and closed, violate this provision. Furthermore, under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure maximum possible accuracy in the information they report. The current discrepancies indicate a failure to comply with this requirement. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account with collection agencies without proper and consistent documentation may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e, which prohibits the use of false or misleading representations in connection with the collection of a debt. Additionally, the inconsistent reporting and collection status may violate 15 U.S.C. 1692f, which forbids the use of unfair or unconscionable means to collect or attempt to collect a debt. 

Request for Immediate Action : Given the aforementioned violations, I am requesting the immediate removal of the XXXX XXXX XXXX XXXX  account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting these corrections.
Product: Debt collection

On   X/X/2017  I  want to continue to move forward with clearing up my debt.      XXXX   XXXX   XXXX   XXXX , has not provided me with adequate information regarding this debt but I presumed it could be true being that My then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to  XXXX  requesting validation and of options, by    X/X/2017   .     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  XXXX .
Product: Debt collection

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COLLECTION COMPANY AND THEY ARE CORPORATING. Portfolio Recovery Associates claimed they investigated and verified the PRA accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. THIS company also states that sent its initial notification letters which is not true. We take compliance with all applicable state and federal laws very seriously. They reported incorrect addreses and name to the credit bureaus ( per credit bureaus ). They have engaged in harassing clients, failed to adequately cooperate, or engaged in misconduct regarding the relevant accounts placed with their company. I have sent them a copy of identity theft report by " FTC '' and no response.
Product: Checking or savings account

I had an account with Wells Fargo Bank In fhe state of Minnesota. Which was closed for no reason. After making mutilple calls cause they stated they closed my account because they can simply do that. Another person who digged a but more stated that the account was closed due to me sending l or reciving money via the option of Zelle from a person who was flagged as fradulent in there end but closed my account. When I wasnt aware or adviced that the person was fradulant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act TransUnion 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 has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION accounts : XXXX XXXXXXXX XXXX {$900.00} XXXX {$650.00} XXXX XXXX {$100.00} XXXX {$22000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX