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

Greetings, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number # XXXX Account name, XXXX XXXX XXXX XXXX XXXX, SC XXXX, Account number # : XXXX name, XXXX  XXXX XXXX XXXX FL XXXX XXXX, CA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # XXXX Account name, XXXX XXXX XXXX XXXX XXXX, FL XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

IN the month of XX/XX/2022 I received a Debt Collectors letter stating that I OWE THEM money for the service I never had with them. 
On XXXX XX/XX/2022 I wrote a letter to Receivable Performance Management asking them to Validate the debt showing my ink signature that I had the debt with them. I also stated on my letter that they need to remove the collection account from my credit report if they are not able to Verify/validate the account in question. To this day, they haven't removed the incorrect information from my credit report. 
On XXXX XX/XX/2022, they mailed a copy of the statement from XXXX. No contract or any evidence showing that I received any service from this company ( XXXX  ). 

In my letter I included the following : -verification n. the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. For example, a typical verification reads : " I declare under penalty of perjury under the laws of California, that I have read the above complaint and I know it is true of my own knowledge, except as to those things stated upon information and belief, and as to those I believe it to be true. 
- Law definition
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to do proper investigation and providing validate verification for Afni collections account saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. This is a fraudulent account the incorrect social, date of birth & spelling of name was used to open. XXXX  confirmed this info to me and removed the account and the incorrect social from my profile immediately. XXXX  is claiming the AFNI file has been verified as mine. I have a fraud alert on my credit to avoid this happening again. Please AFNI removed from XXXX  report as I am looking to buy a home and it holding me back from taking advantage of the best rates.
Product: Credit card or prepaid card

1. I applied for the capital one walmart card on XX/XX/XXXX, it was approved immediately, however with an insanely low {$1000.00} credit line, this is the lowest credit line I've ever had, with such a low limit, I can't even use this card properly. 

2. It's impossible to active this card, I received the card on XX/XX/XXXX, when I try to acitvate it online and through mobile abb, their website keep throwing errors, and ask me to activate through phone. However when I called the provided number and entered my information, it always direct me to a infinite wait for a representative to be available, I end up hanging up after waiting for more than 30 minutes, it's impossible to reach their customer service team and get help.
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

Credence Resource Management XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Dispute and Validation Request for Inaccurate Account Information Dear Credence Resource Management, I am writing to formally dispute the inaccurate information regarding an account that Credence Resource Management is reporting to the credit bureaus under my name. I am requesting that you immediately validate this account and correct any inaccuracies or remove the account entirely from my credit report if validation can not be provided. 

Disputed Account Details : Creditor Name : Credence Resource Management Accounts XXXX Issue : Inaccurate reporting ( e.g., unfamiliar account, incorrect balance of amount {$1000.00} Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. Validation of the Debt : Please provide documentation to confirm this account is mine, including original account agreements, itemized account statements, and any evidence that verifies the accuracy of this information as it pertains to me.

2. Immediate Investigation and Correction : If you can not validate this account, please take immediate action to correct any inaccurate information reported to the credit bureaus, or remove this account from my credit report if necessary. 

Please respond to this dispute within 30 days of receiving this letter, as I am eager to resolve any discrepancies in my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/19, I initiated a balance transfer of {$1000.00} from my Chase credit card to my XXXX XXXX card. I paid a {$40.00} fee to initiate the transfer. XXXX XXXX received and deposited the transfer on XX/XX/19, but the check from XXXX XXXX XXXX was returned on the same date, due to insufficient funds. I incurred a {$27.00} fee and a major increase on my rate for the next six months. 

On XX/XX/19, Chase sent me a letter stating that XXXX XXXX had received the balance transfer payment on XX/XX/19 and it had been applied to my account. Once again, the only payment from Chase was on XX/XX/19, and was returned. 

I wrote Chase a letter on XX/XX/19, explaining that the check was returned and provided copies of my statement showing the returned transaction. I received yet another letter on XX/XX/19 from Chase stating that the payment was applied to my XXXX XXXX ... completely disregarding what I had sent. 

It is now XX/XX/19 and my Chase account has still not been credited back the {$1000.00} and {$40.00} balance transfer fee.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>
Product: Mortgage

PPH mortage has reported in XXXX and XXXX of 2023. XXXX payment was made and delivered on XX/XX/XXXXXXXX XXXX and XXXX is not reportable on the XXXXXXXX XXXX of the month that it is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I transferred over $ XXXX from my capital one savings account to my XXXX account last week. Ive done this many times and its been fine. This time, Capital one says it was posted on XX/XX/XXXX. My XXXX account is now overdrawn because the transfer never showed up ( doesnt show as pending, doesnt show as scheduled etc. ). I tried to get help from capital one but they only had a chat bot called XXXX. I told them that something wrong happened with my transfer and asked how to figure out where the money was and it kept spitting out useless responses and wouldnt look into it.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax is not reporting the correct balance. The other consumer reporting agencies are and XXXX is preventing my accurate score from reporting if they are not reporting the correct balance. I am seeing the same pattern with other accounts thats reporting to XXXX.
Product: Debt collection

XXXX XXXX  XXXX  Accounts receivable {$2800.00} I have never leased through this company I have attempted to clear this up with no resolution
Product: Debt collection

I received a statement from XXXX XXXX around XXXX of XXXX  stating I had a bill for {$490.00}. I called into XXXX about this and they stated they caught the fraud and had already flagged and closed the account and I WOULD NOT BE CHARGED! About 2 months later I started receiving emails from them stating I owed for the {$490.00} so I reached out to them again via email and multiple phone calls to inquire about why I was receiving the emails concerning the balance on the fraudulent account they flagged! This account has since been placed on my credit as a collections account!
Product: Credit card

In early XX/XX/year> I received in my XXXX mailbox a letter from US Bank stating that I was selected to apply for the US Bank XXXX XXXX XXXX XXXX XXXX credit card with a benefit upon approval the opportunity to transfer balances from other credit cards with the paying of a XXXX percent balance transfer fee and US Bank would charge no interest on those transferred balances for several months into the future.

Because the offer is an offer I am certainly interested in and I currently have two US Bank credit cards and am an authorized user on my XXXX  US Bank XXXX XXXX XXXX XXXX credit card, all in good standing over the years of my current good relationship with both US Bank and the over fifty-year relationship I have with State Farm, I again, as I have each time I have received an offer in the mail from a reputable credit card company, applied for the US Bank XXXX XXXX XXXX credit card the third consecutive year only to have, again, been turned down after each time calling US Banks underwriting department requesting reconsideration for very good cause to any reasonable person.

I respectfully explained to the person in US Banks underwriting department that US Bank is the only bank that has turned me down when I have responded to an offer either in the mail or to my account as offered on a bank or credit unions website, ever. 

Her response was that US Bank is more conservative than all other banks that offer credit cards and that my current balances owed were higher than US Bank would like to see but because she understood my argument that my total revolving credit balances were far less overall than the thirty-percent debt to income ratio preferred by banks that issue credit cards as a whole and that she would seriously consider granting me the card and for me XXXX wait a couple of more days for the decision which I would learn via another letter. 

Please find attached the XXXX letters including the letter dated XX/XX/year> post my request for reconsideration, both stating that US Bank is unable to approve my most recent and third attempt to obtain this credit card in as many years. 

I now truly believe that US Bank does not have a person in underwriting that manually looks at requests for consideration but instead relies on an algorithm preprogrammed into a computer that makes it impossible for credit-worthy applicants with my unique circumstances to ever be approved though their competitive banks have no problem approving my applications for their credit card offers I receive. 

If I am correct about the reliance by US Bank on an algorithm rather than a bank officer, then US Bank is not operating by the requirements of CFPB.

I am asking CFPB to investigate my concerns that any reasonable person would believe have merit.

I believe that the right thing for US Bank to do in my instant case is to approve my most recent application for the US Bank XXXX XXXX XXXX XXXX XXXX as offered me this month via a letter in the mail.
Product: Student loan

I have taken a considerable amount of time and effort to locate and provide detailed information to supplement my School Misconduct Form provided by XXXX  support ( Now MOHELA ).

This completed form along with all supporting documents was shipped out and met with the following : XX/XX/year> : Package shipped containing form and all documentation. 
XX/XX/year> : Package received by XXXX. 
XX/XX/year> : Private loans enter forbearance while documents are reviewed. 
XX/XX/year> : XXXX  student loans transfer to MOHELA. 
XX/XX/year> : Received notice that my application for School Misconduct had been denied with the following reason : " A variety of factors are considered in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' XX/XX/year> : I called MOHELA support and they informed me they are unable to provide further details as to why my application was denied. When I asked for a chance to appeal or understand what additional information was needed, they stated they can not provide additional details nor comment on what did not qualify me for discharge.
Product: Credit reporting or other personal consumer reports

XXXX DEMAND NOTICE Date : XX/XX/XXXX VIA CERTIFIED MAIL Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : FINAL NOTICE - IMMEDIATE ACTION REQUIRED Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX Documented FCRA Violations Credit Profile Discrepancies ( As of XX/XX/XXXX ) XX/XX/XXXX Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) - Account # XXXX reporting inconsistencies - Last payment date discrepancy ( XX/XX/XXXX vs XX/XX/XXXX ) - Missing original balance information - Different loan terms reported XXXX. XXXX XXXX ( {$12000.00} ) - Account # XXXX - Loan type discrepancy ( Auto Loan vs Lease ) - Payment history inconsistencies- Different reporting dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX Card ( {$6100.00} ) - Different account numbers reported - Inconsistent payment history - Varying charge-off dates- Different past due amounts FCRA Violations ( XXXX ) XXXX. Accuracy Failures ( XXXX ( b ) ) - Inconsistent balance reporting - Different account statuses - Varying payment histories XXXX. Investigation Failures ( XXXX ( a ) ) - Failed to properly investigate disputes ( XXXX ) - No response to written disputes- Failed to update information after disputes XXXX. Joint Notification System Failure ( XXXX ( XXXX ) ( XXXX ) ) - Failed to maintain consistent reporting across bureaus - Different personal information reported - Inconsistent account details IMMEDIATE DEMANDS : XXXX. Remove all fraud alerts impeding website access XXXX. Correct all inaccurate information within 3 days XXXX. Provide written confirmation of corrections XXXX. Compensate statutory damages ( {$14000.00} ) Failure to comply within 3 days will result in immediate legal action seeking maximum statutory damages, actual damages, punitive damages, and attorney fees. 







NOTICE : A separate civil complaint will be filed for identity theft damages. 


Respectfully submitted, Authorized Representative of D-EDWARDS TRUST XXXX : XX/XX/XXXX : Consumer Financial Protection Bureau Federal Trade Commission
Product: Debt collection

THEY HAVE XXXX ACCOUNTS REPORTING UNDER MY NAME AND THEY ARE FRAUD I HAVE NEVER BEEN TO THE XXXX XXXX XXXX  FOR SERVICE IN MY LIFE I ADVISE THEM THAT SOMEONE MUST HAVE USE MY NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a letter with equifax in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way equifax & XXXX XXXX could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd equifax is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX equifax and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. XXXX XXXX is also reporting incorrect information.
Product: Checking or savings account

TD Bank would not give me my money back from fraudulent transactions. XX/XX/2019 I used my card at the bank atm about XXXX XXXX. I dropped the card right outside of the bank as well as my phone. I had to wait for the bank to open to report this and turn off my card. By then over {$200.00} was gone. two {$40.00} meals at XXXX and over {$100.00} at XXXX XXXX. 

I disputed this the bank refused to give me my money back because they said no one attempted to use the card after they issued me a new one. I was honest and I really would like my money back.
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 : # XXXX, XXXXXXXX XXXX # XXXX, XXXX  XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Checking or savings account

Capital One was supposed to direct deposit my work check between Wednesday XX/XX/year> - Friday XX/XX/year>, and it is now Saturday XX/XX/year> and I have yet to get my direct deposit check from my employer. Ive been calling for the last 3 days and Im being told the same thing everyday with no changes to script or any updates sent via email or text correspondence. I got an email Thursday XX/XX/year> a day after Capital one has already been having the issues. I also have a 360 Savings account with them. I havent eaten in 2 days, I got overdue bills at this point and Im LIVID at their lack of responsibility, customer service and accountability the past few days so far.
Product: Credit reporting or other personal consumer reports

Good evening, I hope this message finds you well. I recently contacted the collections agency regarding the account in question and successfully reached a settlement agreement. I have since paid the agreed amount in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : 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 an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not " XXXX '' is " XXXX ''. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX )