23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, my boyfriend and I stayed in XXXX from the dates XXXX XXXX-XXXX XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ),  which was very difficult because everything was closed due to COVID,  I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you
Product: Consumer Loan

I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through Santander and the various agencies they worked with. Once my account was current Santander reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

Santander has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B mandates the deletion of any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts contain inaccuracies in their reporting.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a
consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 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 number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory info was reported to credit bureaus by Wakefield and Associates, collection agency. Wakefield never tried to contact me as the original provider didn't either regarding a bill for {$150.00}. I immediately contacted them when I discovered this. XX/XX/20 I talked to XXXX and paid the amount on the phone with MC credit card, ( confirmation # XXXX ). Received a text from my M/C confirming payment. Told I would receive a confirmation letter in XXXX days. XX/XX/20 XXXX told me letter had not been sent and she would send it. XX/XX/20 XXXX told me that the letter had been sent on XX/XX/20, but a deletion letter had not been sent to credit bureaus and he would send it. XX/XX/20 XXXX told me confirmation letter was sent to me and deletion letter sent to only one bureau because they all share info. XX/XX/20 XXXX  said they received the deletion and had applied it to my report. However, XXXX  and XXXX XXXX, have not received such info. And told me that the bureaus do not share info. My XXXX XXXX score has plummeted from XXXX to XXXX 113 points! As of today, XX/XX/20, I still have not received even a confirmation letter and 2 bureaus have not been notified. Ironically collection agencies harass people by phone endlessly yet they never contacted me by phone, I've had the same phone # for nearly 20 yrs. They just reported a delinquent account. XXXX XXXX  score is excellent and I have worked hard to maintain it. I am furious. These people seem to think this is some kind of welcome package from a spa that I haven't received. I am looking for a new place to live this month and XXXX  XXXX  score severely impacts my ability to find housing.
Product: Credit card

I am writing to file a formal complaint against Bank of America concerning the reinsertion of a fraudulent account into my bank records. This account was previously identified as fraudulent, and I was assured that it would be permanently removed from my Bank of America file. However, upon recently reviewing my account, I discovered that this account has been reinserted into my bank file without my consent or notification. 

This fraudulent account had not been reporting on my Bank of America file for some time, leading me to believe the matter was resolved. Its sudden re-appearance is alarming and has caused significant distress. I am concerned that this reinsertion not only affects my financial record but may also expose me to potential security risks. 

I am contacting Bank of America directly to request the immediate removal of this account from all records, but I am also reaching out to the CFPB because this situation constitutes a serious breach of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB 's assistance in ensuring that Bank of America : XXXXXXXX XXXXPermanently deletes this fraudulent accountXXXX  from my bank file and any other associated records. 
XXXX. **Provides a written statement** confirming the removal of this account and the steps taken to prevent its reinsertion in the future. 

I appreciate the CFPBs assistance in resolving this matter and holding Bank of America accountable for this improper handling of my financial information. 

Thank you for your prompt attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the reporting of late payments associated with my account. It has come to my attention that you have been reporting these late payments to the credit bureaus, which is in direct violation of the provisions outlined in the United States Code ( 15 USC 6802 ). I am writing to demand that you promptly update the status of my account to " paid as agreed '' with the credit bureaus within four ( 4 ) business days from the receipt of this letter. Failure to comply with this demand will result in legal action, and I will seek charges of {$1000.00} per violation.

Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the explicit consent of the individual. By reporting the late payments to the credit bureaus, you have breached this legal requirement, as I have not authorized the disclosure of such information. I kindly request that you cease any further disclosure of my non-public personal information and comply with the provisions of 15 USC 6802 ( b ) moving forward.

Additionally, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which strictly prohibits the disclosure of experiences or transactions to non-affiliated third parties, such as the credit bureaus, without the individual 's consent. Given that the late payments are part of the account 's transaction history, their reporting to the credit bureaus violates the FCRA. I expect you to rectify this situation by updating the account status as demanded above. Company policy doesn't not supersede federal law. 

I urge you to take immediate action to correct this matter and ensure compliance with both 15 USC 6802 and the FCRA. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights and seek damages for the violations incurred.

Please provide written confirmation of the actions taken to rectify this situation, including the date on which the account status was updated with the credit bureaus. You may send this confirmation via email or to the address provided above.

I appreciate your immediate attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent any further violations of my rights under applicable laws. 

Thank you for your prompt action in this regard. 

Sincerely, XXXX XXXX [ Account Number : XXXX ]
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX 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

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. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX 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 seve
n 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: Consumer Loan

I financed my vehicle through Mercedes-Benz Financial Services. I discovered that the mobile app and other company records ( not including my contract ), according to my phone call with a representative, that my contract information shows 73 months instead of the 72 months listed on the contract I signed. I opened the loan on XXXX/XXXX/XXXX. The representative informed me today that my last payment would be XXXX/XXXX/XXXX ( not XXXX/XXXX/XXXX as expected per my contract ).
Product: Credit reporting or other personal consumer reports

[ XXXXXXXX XXXX XXXXXXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Equifax for Fraudulent Reporting and Retaliation To Whom It May Concern, I am writing to formally lodge a complaint against Equifax regarding their fraudulent and malicious actions that have resulted in the wrongful placement of damaging statements and events on my credit report. As well as attempts to conceal said events, by restricting my access to their products ; as evidence will further. These actions appear to be retaliatory in nature, stemming from my previous disputes concerning their negligence and failure to comply with consumer protection laws as outlined by the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and the Fair Debt Collection Practices Act ( FDCPA ). 

Equifax has knowingly and willfully submitted false information to my credit report, specifically, while investigating dispute, regarding a previously closed charge-off account with XXXX XXXX. They have falsely reported this account as open and currently show that I have 68 missed payments. Prior to this erroneous reporting, I maintained an excellent payment history of 100 %. However, due to these malicious actions, my reported payment history has plummeted to a mere 35 %. This unjust and fabricated alteration directly impacts my creditworthiness and financial stability. 

Despite my repeated attempts to resolve these disputes through Equifaxs established processes, they have chosen to ignore my concerns and instead continue their pattern of deception. This negligence not only violates the standards imposed by the FCRA, FTC, and FDCPA but also constitutes a premeditated effort to defraud my credit standing, leading to unjust consequences for my financial life. 

The impact of Equifax 's actions has been profoundly damaging, resulting in loss of credit opportunities, increased XXXX, and a sense of helplessness in navigating a system meant to protect consumers. By failing to take responsibility for their actions and by engaging in retaliation, Equifax has not only harmed me but has undermined the integrity of the credit reporting system as a whole. 

I urge the Consumer Financial Protection Bureau to investigate Equifax 's practices concerning the reporting of consumer credit and to take necessary action against their misconduct. Consumers deserve a system that upholds accuracy, fairness, and accountability, and Equifax 's current actions blatantly contravene these principles. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action regarding my complaint. 

Sincerely, [ XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I contacted Experian multiple times about this isssue. My last time was in XX/XX/year>. A representative name Experian told me that the inquiry is not open on there end. I directed me to call chase bank to resolve the issue. I called XXXX bank in they ask me do I have an account with them and I do not. I told them theres a hard inquiry on my report thats unauthorized and I want it removed. XXXX to me they deal with a lot of companys so they couldnt verify the inquiry even with the information I gave them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived XXXX these XXXX. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not update my credit report has not been updated since XX/XX/XXXX.Also I let XXXX know that the dealership is refusing to send payoff check for warranty. I am banned from dealership I asked for so I can get this account paid off and also charging me daily interest rate which causing hardship since they will not intervene to get my warranty check forward to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information only credit report with transunion to help clear my file. alot of information is invalid. it is hendering my file an stopping me from moving forward. I need everything corrected to clear my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

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

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR  TO FILING SUIT IN XXXX XXXXXXXX, OK
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX