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

XXXX, XXXX, ( XXXX ), XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , blockinformation appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Collection Opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a revolving opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) a Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) A Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) a XXXX Opened aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) a revolving Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, andhard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft CriminalComplaint ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I emailed capital one CEO XXXX XXXX about the account and I got a call from one of the representatives ( XXXX id # XXXX ) who in the department and they said they dont have the account information in there system. I asked for a letter over the phone and they said I couldnt get a letter and to dispute it with the credit bureau. I tried to but they keep updating it with inaccurate information and I want the account deleted.
Product: Debt collection

Someone by the name of XXXX from Midland Credit Management keeps calling me numerous times a day despite the fact that I told him that I wanted him to stop contacting me and that I have representation regarding any credit issues and gave him the name of the legal representative. He uses numerous different numbers to call me from, but his call back number is XXXX with extension XXXX.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for falling to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is highlighted in the CFPB 'S recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. i request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
( These are the accounts that inaccurate ) CXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.
Product: Credit card or prepaid card

Capital One Case #.. XXXX Account Number... XXXX Date of transaction. .XX/XX/XXXX Merchant........ XXXX Merchant website... XXXX Disputed Amount.... {$460.00} Todays Date..... XX/XX/XXXX I am senior citizen and a veteran of the XXXX XXXX XXXX. I believe that I have been the victim of consumer fraud or at best highly deceptive business practices. 

On XX/XX/XXXX I ordered a product called " XXXX XXXX XXXX XXXX  '' from a website called XXXX/. The order number is # XXXX costing {$460.00}. The product failed to perform as advertised and was returned per instructions from XXXX customer service. The return was mailed on XX/XX/XXXX for a shipping cost of {$33.00}. 

The XXXX  transaction appeared on my Capital One credit card statement. On XX/XX/XXXX a dispute for {$460.00} was submitted with Capital One. At that point I had not heard from the XXXX merchant  regarding the return. 

I have requested a refund totally exactly what I paid to the XXXX merchant  of {$460.00}. The merchant  has refused to refund that amount. The merchant  would have you believe that I would spend {$33.00} to return a working device. That is ludicrous. This is exactly the self-serving claim one would expect from a deceptive merchant. The device was defective, and if not, then their advertising is fraudulent. This is cheaply made device that only runs on two batteries. 

Allow me to quote from the XXXX website as follows : " For four years we have set a benchmark for reliability, safety and excellence in XXXX  equipment. All products come with a 30 day money-back policy and one year warranty against defects. '' I submitted the Capital One dispute in good faith for just cause. Yet here I am four months later and I am out-of-pocket {$500.00} ( {$460.00} + {$33.00} ) and I have absolutely nothing to show for it except for endless calls to Capital One. 

Per the request of Capital One, I have provided them with many documents multiple times. I will attempt to attach those documents. In XXXX I provided Capital One with the 3-page dispute information form which they sent to me. I completed and mailed that form to their return address provided on the envelope which was : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT. XXXX. Additionally, nine supporting documents were uploaded to Capital One with the following upload reference number : XXXX. 

Finally, after many months on XX/XX/XXXX I received a letter from Capital One stating that the case was closed because they lack information. As a result I am still seeking a refund of the disputed amount. 

-- -end of comments -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied by the car lot and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed some inquiries as well that are not mine. I contacted the FTC and local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 15 US-CODE 1692E FALS
E OR MISLEADING REPESENTATIONS-10 XXXXXXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number XXXX XXXX  Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 1. The inquiry was not authorized ONXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 INQUIRY DATE XX/XX/2020, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX US DEPT ED acct # XXXXXXXX XXXX XXXX US DEPT ED acct # XXXXXXXX XXXX XXXX DEPTEDXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXXXXXX XXXX, DEPTEDXXXX acct # XXXXXXXX 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: 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 XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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: Debt collection

Financial credit network is reporting false information to the credit reporting agencies. They state I opened and incurred a debt of {$100.00} ( XXXX dollars ) in XX/XX/XXXX. The last transaction made on this account was well before XX/XX/XXXX. I want all incorrect information removed from my account ; such as, the false opening date ; as this might negatively impact my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 3.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7 Validate Account NCA Account XXXX : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report XXXX10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report 11.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, 2 separate charges of {$10000.00} each for a deposit on a {>= $1,000,000} mentorship program were put on my Capital One Credit Card. Due to the policies of Capital One the deposit of {$20000.00} were broken up in 2 payments of {$10000.00} each. The original mentorship program was designed for a 2 week training with the owner of the company. After committing to the program the owner changed the contract to a 5 day training program for a total of 6 session with a 3 month period in between each session. This would put the program an 18 month schedule and out to XX/XX/XXXX with an option of one additional session if I had to miss a scheduled session. XX/XX/XXXX, the FTC shut down the company and froze all bank accounts. As a result, not only was I  able to finish the program but not able to get a refund on my investment. In XX/XX/XXXX, I began working with Capital One to get reimbursed for the charges on my cc. I was given a credit along with the interest that had accrued. On XX/XX/XXXX I filled out and returned the papers Capital One sent me including the front page of the Receiver 's Report. ( I was told it was not necessary to send the 58 page document ). On XX/XX/XXXX, I received a letter from Capital One stating they were recharging my cc. I have not been able to speak with XXXX who is handling my case as she has not returned my calls. The case # is XXXX. In my last correspondence with Capital One I included Regulation Z Federal Law of the Truth in Lending Act. I feel Capital One and XXXX are ignoring me and the law.
Product: Debt collection

On XX/XX/24 I called Midland Credit management and settled 2 accounts, on behalf of my husband ) in the amount of {$500.00} and {$300.00}, after making payment directly with them that day and confirming payment was processed, I requested and was told a Settled in full letter would be sent confirming we have resolved these 2 accounts. Instead of receiving settled in full letter on XX/XX/24 I received 3 letters from Midland indicating payment still required on both accounts for the date in which payment was made, XX/XX/24, with attached return envelope for payments ( which almost could imply that I defaulted on agreed payment ). They send me one letter for the {$500.00} Settled account stating that payment due, and 2 letters for the account I settled for {$300.00} stating payment due. I spoke to a representative at Midland on XX/XX/24, asking why these were sent and he advised it was in error, but either I believe was a violation. He did advise that the settled letter was generated on XX/XX/24 ( still not received by us ), but as this was the first time I ever contacted them for them to generate this letter and place " in care of myself '' seems like a potential violation, as again these accounts were resolved and they were quick to send collection letter to my address with not just my husbands name, but my name, as well, on the envelope.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my concerns remain unresolved. This ongoing inaccuracy is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Canceled by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inconsistent with my payment history. Records from other bureaus and my own financial documentation confirm that these payments were made on time or do not align with the reported delinquency. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files.

Additionally, creditors must provide periodic statements at least 21 days before payment is due, as per 15 U.S. Code 1666b.

TILA Violations : The inaccurate reporting of late payments undermines the Truth in Lending Acts mandate for accurate disclosures. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint to relevant regulatory agencies, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Thank you for addressing this matter urgently. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An account was opened in XXXX of XXXX  and it was certainly not opened by me. I just discovered the information on my credit report and I called Experian and XXXX XXXX XXXX XXXX XXXX about it. I was told that I needed to file this report with the FTC before any action can be taken. So please assist in keeping this fraud from impacting my credit further. 
Thank you
Product: Bank account or service

I opened a joint savings account with Capital One 360. They made me confirm both account holders to fund the account. I requested to open the account with {$300.00}. They made me confirm test deposits of XXXX and XXXX cents for both account holders in order to fund the account. After confirming the second account holder they withdrew an additional {$300.00} from my account and put it on hold. I have a 10 day hold for {$600.00} with them when I only wanted to deposit {$300.00}. 

After calling customer service twice they refused to release one of the deposits back to my bank. I advised them that I confirmed the same XXXX and XXXX deposits to fund the account for both users. Their software is flawed and has double dipped my account and XXXX my budget for the month. They asked if it had overdrawn my account, as if they might be able to help more. I advised no, then they said there was nothing they could do. This is the resolution after speaking with XXXX customer service reps and a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX., XXXX,, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian twice last week and today XX/XX/2022 and spoke with a guy that told me he cant update my personal after the guy last week was suppose to dispute this information because it was not reporting correct on my report and he told me that he couldnt dispute take off. As continued to tell him that this is reporting inaccurate on my report he kept saying he cant and wont take it off to update my information correctly.