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

incorrect name and address and phone number will like this information removed With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, [ insert date of your most recent consumer report ], there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing.

Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly.

Omit the following names as my TRUE name can be verified on my supporting identification : LIST ALL THE INACCURACTE, MISSPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following inaccurate addresses : LIST ALL INACCURATE ADDRESSES LISTED Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : LIST ALL PHONE NUMBERS Omit the following employers LIST ALL EMPLOYERS Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Product: Debt collection

This company is calling me regarding a debt from XXXX for The XXXX. They repeatedly are calling me constantly even though I told them I am out of work and can not make any payment at this time. This is a series of multiple calls I am getting on both phone numbers of XXXX and XXXX and I am getting robo-calls constantly all day long when I am trying to look for a job. The calling usually starts at XXXX in the afternoon and I think this is a tactic of harassment towards me by someone that is purposely bothering me. It is apparent they have gotten into my credit file and the calls started when I was laid off. The robo-calls are constant and not from the same company and I put a alert on my credit file as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to TransUnion and XXXX about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy
Product: Checking or savings account

Chase bank closed my bank account for no reason. And they said they will send me the money through the check in 10 days at XXXX. But I still didnt get my check right now. And I just call them they still dont have information about my check. They always told me next week and just let me wait! Right now is already XX/XX/XXXX!!!
Product: Credit card or prepaid card

XXXX decided to change banking institutions for my XXXX rewards credit card. it changed from XXXX XXXX to Capitol One and it was supposed to happen on XX/XX/XXXX. I received my statement in XXXX from XXXX XXXX  and thought since it was sent to me I would drop my payment off to XXXX XXXX  which I did on XX/XX/XXXX ( it was due on the XXXX of XXXX ). I dropped it off early because I was going on vacation. At the end of XXXX ( either the XXXX or XXXX ), I received a call from my banking institution from which I wrote the check and they said that XXXX XXXX  returned my check to them that day. I called XXXX XXXX  and they said they were not able to cask my check since Capitol One took over the account. I asked then why did you send me a bill? And they did not have an answer. 
I reached out to Capitol One and they apologized for not sending out the bill nor the credit card. They assured me that I would receive it soon. They also put a hold on my credit card for nonpayment even though they did not send the bill and even though it was less than a fifth of my overall balance. 
I received both bills on XX/XX/XXXX, 5 days before it was due and this was on a Saturday. This bill had a late fee and interest fees even though this was the first time I was receiving a bill from them. AND I had tried to pay XXXX XXXX  and tried to contact them. 
On XX/XX/XXXX I called them and the " supervisor '' said to take off the 2 late fees of {$40.00} and send in the payment for both months. So I did paying the bill in full minus the {$80.00} in late fees. My next bill in XXXX came in with another late fee and more interest charges. I still at this point did not have a credit card issued by Capitol One. I was able to get the interest fees and late fee credited back to my account. 
On XX/XX/XXXX, I talked with another " supervisor '' and they recommended that I pay the bill in full again minus these fees, which I did. 
Today, XX/XX/XXXX, I spent another 2 hours on the phone with Capitol One and yet another supervisor. She explained that since I did not pay my bill ( because I excluded the fees as suggested by the 2 different supervisors ) in full even though I paid for my transactions in full, that I would continually be charged interest each month. 
In the 3 months and 2 days since I was forced to become a member of Capitol One, I have been charged {$250.00} of fees. I have gotten most of them reversed and credited back to my account but it has taken hours. There is still {$10.00} unaccounted for and no one can explain why and they refuse to credit it back. 
What about the people who are unable to make the time to call and follow up? What about the people who don't even understand this? This is very predatory and needs to be stopped
Product: Credit card or prepaid card

I have made so many attempts to try to get capital one to work with me through my struggles with Covid-19. I have now had it three times in the last two years. I have suffered a severe hardship. I am working with state assistance to help with my home and my family is helping my cope with the healing and bills where they can. I just got another alarming phone call where there was a threat to harassment in phone calls and ruining my credit if I did not come up with XXXX right now. I only asked to please lower my interest and lower the amount to something I could work with like {$100.00}. I could at least sell something in my home online to pay this amount. But with 29.99 % interest Ill never stop drowning and thats all covid feels like. Capital one has been so mean and angry with me. It seems like they could reach out and be heros with those suffering covid! We never asked for this and could die and then they would never get the money. At least Im trying. Im trying to keep a roof over my head. Show some kindness please.
Product: Debt collection

I have written to Calvary Portfolio on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continued to stonewall me and and not answer my request for validation as required by law.
Product: Vehicle loan or lease

US Auto has went out of business and werent paying the warranty amongst many other things. Transfered my loan to a debt collector. Havent been registered in the state of Ga to sell cars for some years now and did in house financing as well
Product: Payday loan, title loan, or personal loan

XXXX XXXX  ( a branch of Golden Title Loans ) located at XXXX XXXX XXXX, XXXX TN XXXX is making harassing phone calls to my job and to my relatives. I asked this company to cease making phone calls to my job and relatives and to make communication only with me. 

The following week after asking this company to cease making phone calls to my job and my relatives, they have begun making harassing phone calls to both of my ex-husbands. Additionally, they are making harassing phone calls to my ex-husband niece regarding my debt. I have had no communication or relationship with these people in years and never gave permission or phone numbers for these people to be contacted. 

I am asking that this company be fined for their bullying and harassing behavior of debt collecting. They have violated my privacy as a consumer, putting other people in my financial affairs without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 i spoke to a Wells Fargo representative about a payment that was not due at the time.I told the representative that due to being out of the country i could not make the payment until i was back to the united states.Wells Fargo states to me that if the payment goes over 30 days they will not report anything onto my credit.I have been a customer for wells Fargo for years and never experience this type of treatment i am a customer that does not miss payments.I have wrote wells Fargo multiple times and no reply regrading this.This is not good customer service that you are offering your customers.This should not be reported onto my credit.Very disappointed in your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I attempted to transfer my account from within XXXX XXXX. XXXX required my credit report to complete the transaction. I had frozen my report when the massive data leak occurred, so I needed to unfreeze it long enough for XXXX to have access to it. Following XXXX 's instructions, I called Equifax and requested they unfreeze the report. After several repeat calls to provide Equifax with enough personal information that they would acknowledge it was me on the phone, they agreed to unfreeze the report at XXXX. 
When XXXX tried to complete the transfer at approx. XXXX, the account was still frozen. Both I and the XXXX representative called Equifax again and this time were told it took " up to an hour '' to unfreeze the report. At XXXX, XXXX tried again, but the report was still frozen. I called Equifax again to see what was wrong and I was told they were having system problems and that it would be fixed in another hour. I reported this to XXXX, but my representative had gone off duty. 
This morning I tried again to process the transfer with XXXX and again I was told the report was still frozen by Equifax and that I should call them yet again when they open at XXXX. This II will do, but I resent the runaround they have given me. The power they have over the consumer isterrible. Someone needs to do something about them..
Product: Credit reporting or other personal consumer reports

Please be advised that this is

my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must
notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name _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
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; Bankruptcy XXXX XXXXXXXX, Reference # XXXX Bankruptcy XXXX XXXXXXXX, Reference # XXXX Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. 
All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). 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 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX Late/Closed XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX. XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one fraudulent hard inquiry needs to be erased. I have never applied to capital one. 
Inquiry : XX/XX/2021
Product: Mortgage

XXXX XXXX US Bank representative referred my account to your foreclosure dept in XX/XX/XXXX, while at the same time processing my mortgage modification application - see attached record ofvour emails. 
She and I emailed constantly from XX/XX/XXXX to XX/XX/XXXX. 
I even got an Order from a Judge in XX/XX/XXXX referring us to the Modification Mitigation program. 
US Bank would not respond to Court Order. 
I registered on the DMP portal Did everything I was supposed to do. 
I got served by a Court process server in XX/XX/XXXX for foreclosure. 
I wasn't even in default. 
I'm sitting waiting on US Bank to process the modification application while US Bank was processing a foreclosure action.

Now here we are again.

I'm sitting waiting on US Bank to process a modification application while US Bank is preparing to sell my house on XX/XX/XXXX. 

US Bank sent me a letter offering to help me on XX/XX/XXXX and I responded. 
XXXX days later US Bank Attorney got an Odrr from Judge to sell my house. 
I am a full time XXXX XXXX 
I am gainfully employed. 
But I am being denied the right to pay mynown mortgage. 
US Bank are you going to have your Attorney get an Order canceling the sale of my home? 
Are you going to let me pay you? 
You are sending me one thing in the mail and sending your Attorney another thing.

I have complained to the FL Bar on this man when he's only doing what US Bank told him to do.

That is not right. 
We are not on the same page.
Product: Credit reporting or other personal consumer reports

Here 's a draft dispute letter to the CFPB stating you are a victim of identity theft due to an unauthorized XXXX XXXX card account on your credit report, including relevant laws : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] Consumer Financial Protection Bureau Consumer XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX Re : Dispute of Unauthorized XXXX XXXX Account - Victim of Identity Theft Dear Sir or Madam : I am writing to dispute an unauthorized trade line that has appeared on my credit report from all three major credit bureaus ( Experian, XXXX, and XXXX ) for an account with XXXX XXXX XXXX XXXX. I am a victim of identity theft, and this inaccurate entry is a result of fraudulent activity for which I am in no way responsible. 

I have never opened or authorized any credit card or account with XXXX XXXX. This derogatory trade line is completely illegitimate and erroneous. Its presence on my credit report is clear evidence that my personal identifying information has been compromised and used criminally without my consent to open this account fraudulently. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumer reporting agencies must block the reporting of any information that the consumer identifies as resulting from an alleged identity theft, initiate reasonable procedures to prevent re-insertion of the item, and notify the furnisher of the information within 5 days.

Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to maintain reasonable procedures to ensure maximum possible accuracy of credit report information. The presence of this fraudulent XXXX XXXX account blatantly violates these FCRA provisions. 

As an identity theft victim, XXXX XXXX account has already caused me significant financial hardship, distress, and damage to my credit standing through no fault of my own. I am demanding that you promptly investigate this issue, block the unauthorized XXXX XXXX account as resulting from identity theft per FCRA requirements, and remove it permanently from my credit report to allow me to begin repairing my credit. 

Please provide me with the written results of your investigation and actions taken within 4 business days as is mandated for identity theft disputes under the FCRA. Failure to remove this fraudulent item expediently will leave me no choice but to pursue all legal remedies available to me as a consumer victim, including statutory damages. 

Enclosed are copies of my credit reports highlighting the unauthorized XXXX XXXX account, as well as a copy of my identity theft affidavit. I am counting on your agency to enforce my rights and clear my credit report of any criminally fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Lawsuit has been and a court date set filed by my attorney in XXXX XXXX in Civil court against USAA false claims on my credit report and failure to conduct any investigation of fraud on my account. I have had USAA served and no response at all from USAA. They also bullied me into paying {$1800.00} of the fraud charges due to they knew I am XXXX XXXX XXXX and cant have bad credit. 


USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX Dear USAA After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX XXXX living on XXXX XXXX. Why would I ruin XXXX years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI IC3 Ic3 XXXX The XXXX XXXX XXXX police have started the investigation and taken my affidavit of prove that I was not in the states or locations of the fraud on my credit card. The FBI IC3 unit has also started their investigation and received my affidavit. 


ACCOUNT NAME - ACCOUNT # XXXX Please investigate this account, as the charges are fraudulent, and were made without my consent. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX