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

Hello Dear CFPB I am small business owner and have flawless credit both personal experian XXXX XXXX XXXX and business XXXX and XXXX XXXX business. 

I was researching to apply business credit card and come up to company name XXXX and pre qualified, I applied and approved {$15.00} Upon receiving my card i activated and was tried to use in gas station but transaction was declined, after that i called and spoke with costumer service rep and was told that it was just verification, Latter i was using it for business use only. 

To my surprise after couple days i have tried to use card and it was declined again and when i called i was told account has been closed, it was very surprising for me because as i mentioned i have superior credit income and business profile. 

couple day ago i received letter that was sent from fraud research department and they stating i am unnecessary risk for bank which is shocking because i am top 1 % of all businesses in market that everything is in great shape. Please assist me to reopen my account because as i said i have worked hard to keep my business and my personal account in great shape and to get this type of result its just unacceptable. In my opinion this is pure discrimination and have nothing to do with credit or business exposure. 

I have attached their letter that they sent me. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the equifax data breach a while back so my information could be in the wrong persons hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Name are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 


Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Debt collection

Transworld systems is reporting multiple collection accounts to all XXXX of my major credit reports coming from XXXX XXXX XXXX XXXX XXXXXXXX, when I sent a dispute to verify the debt they sent me a copy of my hospital bill, this including medications I was on, what I was being treated for, and other private information that is protected under HIPAA. I never gave permission for the hospital to give Transworld systems my private health information and Transworld should have never sent my personal health information in the mail
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, 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. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. 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 card or prepaid card

This complaint is regarding Capital One 's recent decision to not allow data sharing with third-party companies, even though the consumer/account holder has authorized the third parties to access said data. This new " policy '' has literally cost me financially. I as a consumer and Capital One account holder, insist that Capital One return to it's previous practice of sharing data with AUTHORIZED third parties.
Product: Debt collection

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 credit management LP Account # XXXX, has violated my rights. 

Credit management LP response to my complaint on the XXXX XXXX XXXX goes as follows '' They state that they did not enter into a contractual agreement with you or provide you with a product or service. '' So If there is NO legal binding contract that I signed with this company stating that I will pay credit management LP for the amount they requested, then this illegal, erroneous and inaccurate account needs to be removed from my consumer reports. 

Credit management LP has gone as far as to " Park Debt '' onto my Consumer report without ANY PRIOR contact with me to verify or validate that this is accurate.This Tactic is knowingly Illegal as seen the FTC 's case against XXXX XXXX XXXX XXXX, Case No. 4:20-cv-01674. This is a complete violation to my consumer rights an punishable by {$1000.00} damages per 15 U.S. Code 1681. 

Credit management LP have also committed violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Punishable each by {$1000.00} in damages. I Have sent a debt validation letter to request for proper validation of this alleged debt to be done. Notice I NEVER said debt VERIFICATION I Said DEBT VALIDATION. Do not send me a bill, copy of a statement, a letter with the debt only on it, or anything other of the scare tactics debt collectors try to use. If what you sent isn't in correspondence to 12 CFR part 1006.34 Regulation F, then do not even send It and delete the account. You must also be aware I am disputing this alleged debt and that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. As stated in Regulation F part 1006.34 ( c ) ( 3 ) SO as the LAW states you must NOW CEASE ALL collection attempts and remove this ALLEGED DEBT from all my consumer reports until you VALIDATE that this debt is indeed mine. Or I will file for litigation for monetary damages. And we both know would lose sole based off the fact that you have no evidence of PRIOR COMMUNICATION with me either electronically, orally, or through mail as stated by the FCRA before you decided to park invalidated and inaccurate debt on my consumer reports. I will not be sending 5 - 10 letters back and forth with this company I'm only sending 2, and if you decide to be willfully non complaint I will add that to the punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Equifax Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Equifax CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting ActXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I have {$1000.00}, XXXX and XXXX in CD 's at Capital One BAnk which keeps refusing to give me my own money out of my CD 's despite having no reason to keep them. I am demanding my funds now and keep getting the same response that they are looking into two claims that they ckaimed were legally allowed to freeze my account which do not include my CD accounts. I need assistance getting these funds in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the debt collector asking for verification and the send me credit card statements. ; another company refuses to respond. I then wrote Experian, XXXX  and XXXX. they send me a letter saying they have placed a credit freeze and alert that is not what I complained about I requested they deleted these account as fraud because the company refuses to proved accurate information. The credit bureaus continue to say the have validated these accounts when they have not.
Product: Credit card

On XX/XX/2024 we have tried to open an credit card account from XXXX card and they informed us that Equafax has reported falsely information and we would likely to receive the report ASAP. Falsely reporting information constitutes defamation!
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam I transferred XXXX to Coinbase a cryptocurrency platform. On XXXX-2017 from my XXXX bank account XXXX. The transfer payment ID is XXXX. I have transferred the payment using SEPA. 

I emailed coinbase several times but their reply is very generic saying that we have escalated your case and afterward no response. According to the company, my transferred payment should show in my coinbase account in 10 business days but almost a month has been passed now. 

I am in dire need of my funds. Currently, I am a student in the XXXX at the moment and is suffering from XXXX conditions. I need to pay my hospital bills as I am an XXXX XXXX I dont have access to free healthcare. 

I have written to coinbase several times but no avail. I want to cancel my transfer order and want my money back in my bank account to pay the bills. I have also written to coinbase CEO XXXX. My case was escalated two weeks ago and still no follow up.
Product: Debt collection

On Thursday XX/XX/2019 XXXX I call the XXXX XXXX to try to resolve this problem because they have been harassing my XXXX XXXX XXXX aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the Nissan Motor Acceptance Corporation when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.
Product: Prepaid card

I paid XXXX plus the XXXX for an am ex card thinking " am ex shouldnt give me any problems like a vanilla or something else... .so i bot the card and tried to use it at joma shop for a XXXX pair of shades... .it didnt work... they told me to go to another merchant... i did... XXXX  which cost me XXXX dollars more than XXXX  ... .i got an XXXX  card to load the rest... but the card got declined at XXXX  ... .their only solution was to send another card that wont work or a refund check that i wont get for 3 weeks ... .both solutions are not acceptable to me
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am reaching out to dispute incorrect information listed on my credit report. The following accounts do not belong to me and were reported in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these accounts be removed from my credit report as they are inaccurate. Please investigate and send me a written confirmation once these records have been corrected. 

I appreciate your immediate attention to this matter. Please let me know if any further details are required.
Product: Debt collection

I cancelled our account with XXXX, and they billed a month ahead. I called about this and they refunded. Then they charged us again, said we didn't pay it and sent it to collections. I disputed it with the collection agency with plenty of proof and they never responded. More than 30 days had past and my wife sent an email again that reads : It has been over 30 days since I emailed you requesting that this erroneous debt be corrected. It is your job to respond as to the status, and I can only assume that since I did not hear back from you within the legally allotted time that this has been dismissed. Please respond that this is in fact what you have done. 

They responded back saying we had to contact XXXX. Today, I received another letter from a different collection agency. I will dispute with them as well. 

How can we be sent to collections AGAIN when XXXX AND a different debt collector couldn't prove we owed it?
Product: Checking or savings account

I have business account XXXX XXXX XXXX XXXX # XXXX XXXX with Capital One of which I gave to my clients for deposit or transfer when needed. Around XXXX XXXX XXXX my account was frozen. Upon contacting the bank representative, I was told that it appeared that fraudulent transfers were made into my account totaling XXXX. I was further informed that investigation revealed that these transfers may have been part of a so called 'XXXX XXXX ' In this case, I myself had been defrauded through the use of my company 's services. 
In any event, I have retained counsel and all efforts to pursue the recovery of the funds I have paid to client in relative to this matter. Thus I had respectfully requested verification and documentation from Capital One that the funds in question, transferred into my account from fraudulent activity was seized for those reasons. 
I have repeatedly asked for a proof that these deposits were reversed and the funds returned to the issuing bank or otherwise not released to my account. a letter of this nature will help me to recover my money from my client and also to make me become whole as a result of the fraudulent activity imposed upon my account.
Product: Credit reporting or other personal consumer reports

XXXX Request TransUnion is purposely violating my Consumer Rights. I would like the CFPB to investigate this matter immediately. XXXX XXXX declined the trade in payments to XXXX XXXX times as you can see in the attachments. I disputed this information in 2020 with all three bureaus. XXXX was the only to update the my credit report. My rights are violated by 15 USC 1681i ( a ) 1 & 15USC 1681i ( a ) 6 ( B ) 3.

Per FCRA 611 ( a ) 2 ( b ) I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Subject : Request for Deletion of Compromised Information Due to Data Breach To whom this letter may concern, I am writing to formally notify you that my personal information was compromised as a result of a data breach. This breach exposed sensitive data, including my [ specify compromised information, e.g., Social Security Number, account information, etc. ], increasing my risk of identity theft and fraud. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable data protection laws, I am requesting that you delete any information related to the compromised data from my credit file. This includes, but is not limited to, any accounts, inquiries, or other records that may have been affected or fraudulently created due to this breach. 

Please confirm in writing once the deletion has been completed or if additional information is required. I appreciate your prompt attention to this matter, as it is critical to maintaining the integrity of my credit report and protecting my identity. 

Thank you for your assistance.