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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXs XX/XX/year> XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. XXXX and TransUnion dispute has been denied as well. After going on websites though portal. Still denied.
Product: Checking or savings account

I am complaining about Capital One Bank. I have a checking, savings and credit card account with them. In XXXX my checking account was debt XXXX. I inquired about this charged only to learn that the XXXX XXXX XXXX had taken this money out of my account without my permission. I filed a report with the bank and reported this as fraud. Capital One issued me a new card and refund my account. On XX/XX/21 they reverse the refund stating that their investigation with XXXX XXXX XXXX showed they had my IP #, address, and correct information to charge my card. I told them, I DID NOT GIVE THEM PERMISSION TO TAKE THIS MONEY OUT OF MY ACCOUNT, regardless of what they have. Do they not know that's how scammers operate! Regardless of what I said, the representative refused to honor my word the account holder. I told them this is my money, not Capital One and how dare they tell me someone has a right to take money out of my account without my approval. I don't care what their investigation revealed I DID NOT approve this charge. I asked to speak to a supervisor, and she repeated what the representative said, the company had the right information to validate me and the charge. I questioned them as to how are they protecting the consumer if they are allowing anyone who get my banking information illegally to go into my account take money which I did not approve. They had no answer for me. I am still fighting to get my money back. I also contacted XXXX XXXX XXXX and told them I will be reporting the fraud to the Better Business Bureau and the attorney 's XXXX XXXX as XXXX. I still want to hold Capital One accountable for their action and failure to protect customers. The money that customers deposit in their bank is the customer 's money and the bank has no right to determine whether a transaction should be paid after a customer reports fraud, regardless of the merchant 's possession of information. THIS SHOULD BE ADDRESSED WITH CAPITOL ONE THEY HAVE AN OBLIGATION to PROTECT CUSTOMERS!
Product: Debt collection

hi, I was living apartment XXXX XXXXXXXX  XXXX tx .my XXXX XXXX was with my XXXX I was XXXX XXXX in mean while I got XXXX XXXX XXXX XXXX XXXX .I want XXXX XXXX XXXX XXXX and I decide leave apartment I came back I told him I dot want to live more I want to pay what is your damage but these people was not listen me they told sign and I will tell you. I did sign and I was asking tell what is damage I will pay plz dot hurt my credit but they was not listing they report on collection agency they Contect me I pay what is told me .my question is I pay 5 to 6 year ago still on my report I was trying to pay same day but he ignore me they already decide .I am thinking he did bad with me because some time have every body problems people have to help and solve dnt miss use system for some plz fix my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, ALLY FINANCIAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A )., I am sending a complaint today XX/XX/XXXX to request that the account XXXX XXXX  XXXX Balance {$0.00} ( Date opened XXXX XXXX, XXXX ) which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was closed, paid as agreed and past due was XXXX  but still reporting 30 days late specifically XXXX, XXXX.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I would like to file a formal complaint about the way I am being treated by Portfolio Recovery Systems. I am also requesting any assistance you can render in resolving a problem I am having with them. <P/>Several months back I pulled a copy of my credit report and I found a collection account being reported on all three credit bureaus that is not mine. The original creditor is XXXX XXXX and it is now being reported by Portfolio Recovery Associates under account number XXXX. I called Portfolio Associates and spoke to them explain that this debt is not mine. I have never had any XXXX XXXX account at all and I been monitoring my credit monthly for years. I asked them to provide me with any documentation they had linking this account to me. I received no response. I contacted Portfolio on at least six other occasions requesting the same information. Each time I employee for Portfolio became combative and belligerent telling me just to pay the bill and stop asking for any proof the debt was mine. I never once received anything from Portfolio that even attempted to prove to me that the debt that they are reporting belongs to me. InXX/XX/XXXX of 2017 and with the advice of a credit expert, I began taking a different approach. I sent another certified letter to Portfolio Recovery requesting verification of their incorrectly reported debt as per statute in the FDCPA. I have never received a reply to that certified letter. I am enclosing that certified as well as the postal receipt of delivery. At this point I do not know what to do. If I send certified letters requesting a debt verification, as per the FDCPA, they get ignored. If I call Portfolio and attempt to ask for a debt validation, I get screamed at and get told to pay the bill without any proof its mine. I desperately need help resolving this matter. I have never had a XXXX XXXX account. The account that Portfolio Recovery is reporting on my credit is not mine. I can not get Portfolio to produce any written proof showing this XXXX XXXX account was set up by me. I can not even get them to prove that they even have the right to collect this alleged account regardless of who it belongs to. I can not get XXXX  to remove the report from my credit file because they claim they dont need any proof to report an item as long as the reporting agency claims that it is accurate. Apparently, Portfolio doesnt feel they can be held responsible and XXXX doesnt feel they can be held responsible. I need this item removed from my credit and I want the pattern of deception being perpetrated by Portfolio Recovery and XXXX stopped so more peoples lives are not damaged by their actions. Thank you for your anticipated assistance in this matter. I look forward to your response Regards, XXXX XXXX XXXX
Product: Checking or savings account

My personal and business accounts were restricted/terminated without a proper notification. The bank says they sent a letter of explanation through XXXX XXXX  in which I never received. They also sent my monies through XXXX XXXX in which I was not notified of said issue by anyone in the bank until the day my debit card stopped working. I just made a deposit last Thursday inside the bank and nothing was said when the account from what I understand was restricted at that time. If I would have received the letter I would have withdrawn my monies myself. The XXXX commerce bank has been told many times not to mail to the address they have, hints the reason I have ordered checks and had them delivered to the bank. 
I was not notified and I have no access to monies in both accounts that is mine or my companies monies. I have no monies to purchase materials so I can work. Im not working today, tomorrow, etc because of this said issue. 
I also have a voicemail from an aggravated commerce employee XXXX giving me the wrong tracking numbers for the XXXX XXXX mail. 
Please help before I go broke!!
Product: Credit card or prepaid card

I got XXXX secured credit cards XX/XX/2022. XXXX was with XXXX. After 6 months of good on time payments I was given an unsecured card and my security deposit was mailed to me briefly. Then I got a XXXX XXXX secured card. And also I got a capital one card. These cards did not convert to unsecured even after 6 months of on time payments. So I closed them. The XXXX XXXX  added the security deposit into my bank account immediately while on the phone. But the complaint I have is with capital one. They are purposely taking a long time to hold onto my money and did not issue an unsecured card. I closed my secured card XX/XX/XXXX and I have still not received my security deposit or any promises that it will arrive after 1 month. They are taking advantage of me when I originally wanted an unsecured card and that's why I got a secured card to build credit and convert it. And they are not giving my original money back. Obviously the best company to get the secured card is with XXXX. I no longer want to do business with Capital One. All their service is overseas and they are taking my personal information when I call in. They don't care and they hang up when there's a real issue. This is the total opposite from my experience with XXXX. Why would I get a secured card and then spend years waiting for it to convert because the bank wants to hold onto my security deposit? This is what I was told by someone at XXXX XXXX that it took 18 months for her card to convert. And who knows what would happen with Capital One. I would like my money back immediately. Why would I need to get on here to complain? It's because the company is not helping whatsoever and obviously taking advantage that I gave them money to hold onto. This mean that they do it for everyone and take advantage of everyone.
Product: Student loan

This is a simple case of a BIG SHARK taking hold off a little puppy and shaking it. I have repayed my loan back. This is so scary please review documents. I was in the last year of my schooling, had no parents to help and I had no choice but to just sign on the doted line. I am like 100,000 $  in debt with my student loans and this is just one of the examples of how I will never be able to pay this off. I at the time did not know what I was signing and I was never sat down and told how I would never be done paying. Please can you look at his breakdown and documents and please help me. My aunts have taken this loan on personally as I have tons of others to pay. My aunt now has XXXX and I want to be able to tell her she has paid enough. Please help me be able to STOP being taken advantage of. How are things like this even allowed? I was a kid, do I have to pay for this all my life.
Product: Checking or savings account

I opened a new us bank account XXXX XXXX. I received my card and the first transaction ever I attempted to XXXX {$100.00} but was unable. I called us bank customer service and was told my account was frozen for suspicious fraud and I needed to contact a e fraud rep and resolve the issue with him. I called the representative and he Explained me he can not tell me why the account was flagged but advised me to go into a branch and show my ID but as of that day my account would be frozen and I can not access any funds until I can go into a bank with identification. So today XX/XX/2020 I went into the blue diamond location and took my PASSPORT, XXXX SHERRIFS CARD ( which has my name, dob, and photo on it ), MY INDEPENDENT BUSINESS LICENSE, MY HOSPITAL DISCHARGE PAPERWORK, MY XXXX XXXX, AND MY XXXX bill. The manager proceeds to take copies of all my documents and informs me she will not allow me to access any funds until she speaks directly with the fraud rep and tell him I was able to be verified. The rep mark is off today. I asked her if there was someone else in that same department we can call so I can withdraw my funds before I leave. She told me NO and she was not going to repeat herself and told me i have to wait for mark and her to speak to release my funds and unfreeze my account. So I left the bank on years because ITS ALL THE MONEY I HAVE! So I left the branch thinking maybe in a few hours I can go withdrawn my money to get groceries and pay some bills. I get a call 20 minutes after leaving and the fraud rep said nope you cant have any of this money cause this isnt you and you dont look anything like the identification provided. What? I dont know what to do, they refuse to close the account or send me any funds. They stole my money and discrimination against because my last name is XXXX and Im a XXXX XXXX. The fraud rep treated me like some criminal and told me to go get a real job instead of scamming people. I need help. I am considering retaining an attorney to sue this branch.
Product: Credit reporting or other personal consumer reports

Account # XXXX Subject : Request for Investigation into Credit Reporting Inaccuracies Dear CFPB Team, I am writing to bring to your attention an ongoing issue I have encountered with the three major credit bureausTransUnion, XXXX, and Experianregarding my XXXX XXXX account. 

Recently, I submitted a letter to the bureaus requesting an investigation into inaccuracies on my credit report associated with this account. TransUnion responded, stating they conducted an investigation and verified the account ; however, XXXX and XXXX failed to respond. 

In a follow-up letter, I once again highlighted the inaccuracies I observed, yet the account was verified once more. I am perplexed by how this account could be verified when it contains several significant inaccuracies. Notably, the account is reporting as past due despite being a charged-off account. My understanding is that charged-off accounts should not be reported as past due. Additionally, the account appears to be illegally re-aging itself each month, and the reported date of last activity is incorrect. 

I reached out to XXXX XXXX directly, and the letter I received from them contradicts the information reflected on my credit report. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 

Furthermore, I have learned that all three bureaus are currently facing lawsuits and investigations for failing to conduct proper investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA, it is the responsibility of the credit bureaus to report complete and accurate information. 

In light of these issues, I have also filed a report with the Federal Trade Commission ( FTC ) regarding potential fraud and the deliberate reporting of inaccurate information by these bureaus. 

I kindly request that the CFPB look into this matter and provide guidance on how I can ensure that my rights are upheld and my credit report accurately reflects my financial history. Your assistance in addressing this issue would be greatly appreciated. 

I will attach the letter from XXXX XXXX & all of my correspondence with the bureaus to this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I received a notice stating that my dispute may have been sent in error and that would be incorrect. I am a victim of identity theft found multiple fraudulent personal information three different social security numbers, fraudulent addresses, accounts, inquiries reporting on my consumer report.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am experiencing an issue with my credit report due to inaccurate reporting by multiple companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted disputes to XXXX for the listed accounts, with the most recent submission on XX/XX/year>, but these issues remain unresolved. 

Specifically, I believe the failure of these credit reporting agencies to investigate and correct the inaccuracies is connected to the ongoing class action lawsuit against XXXX and Equifax, which alleges that these companies have failed to properly handle consumer disputes and have violated consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to work directly with these companies to resolve the inaccuracies, my credit report still reflects erroneous or incomplete information. This is directly impacting my credit score and financial standing. 

The details of the dispute are as follows : Date Submitted to XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided supporting documentation, including statements and previous communications, to XXXX and the companies involved, yet no progress has been made in addressing these inaccuracies. I believe this issue is a direct result of the systemic failures alleged in the class action lawsuit ( case number if applicable ), and I am requesting that these errors be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a a continuation of a problem that CFPB said was resolved on the word of the lender, XXXX XXXX XXXX XXXX, CFPB Complaint XXXX. In the their response to you they stated they had work out a plan with me, and would inform me of the plan. To date, I have received nothing from them, or any follow up from the CFBP regarding their response to you. Kind of amazing you just take their word with out any follow up. 
I am still paying for defective and damaged windows that XXXX XXXX was notified about prior to funding the loan. 
I still have not received any of my loan documents or disclosures. 
I still have not received an explanation as to why XXXX XXXX pulled my credit the same day as XXXX XXXX pulled my credit or, who authorized this, because it was me. As a result, my XXXX XXXX dropped XXXX points. 
I really wonder what the point of CFBP is for the single consumer? I know XXXX XXXX is XXXX XXXX XXXX or XXXX XXXX, but they still are adapt of taking advantage of them with no fear of repercussions.
Product: Credit reporting

I am responding to a letter I received from Experian. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they think my letter is suspicious. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Prior to sending in my letter, I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute and included all information necessary. 
I need to know what made my letter " suspicious '' and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. 
I would like Experian to respond to my letter the same way they would if I called them by phone or disputed something online ; I just want them to permit me the right to have my accounts properly investigated for inaccuracies and errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX, and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30-day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' which I have disputed.

Each of the above-mentioned credit reporting agencies has : 1 ) provided inadequate phone help 2 ) failed to reinvestigate disputed information 3 ) improperly conducted reinvestigation of disputed item 4 ) provided inadequate information 5 ) provided outdated information Please resolve this manner as possible. Thank You.