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

Originally I tried to dispute with the credit bureaus and Capital One late payments on my Capital One accounts for XX/XX/XXXX due to the fact my dad died in Texas and I live in Kentucky. Also, my dads truck was missing, and it took me three months to locate it. I want to be very clear my personal information was never in that truck and my identity was NEVER compromised. I also want to point out that my daughter also died, so her and my dad 's deaths were less than a year apart from each other. The late payments in XX/XX/XXXX are preventing me from getting a HELOC, which I need to consolidate my own small debt and prevent my dad 's land in Texas from being foreclosed on. 
I just wanted to file a dispute to have Capital One remove the 30 day late payments from that time period. I feel my circumstances were extenuating. I was daily having to speak to multiple police depts, ambulatory services, hospitals, Crimes Against Persons, etc. There was also an investigation into my dad 's death by the coroner who determined it was an accidentally fall and not foul play. Anyways. XX/XX/XXXX was very stressful for me and I've had an otherwise great paymeny history. I've been a customer of Capital One since XXXX and have never disputed anything, asked for an exception, filed a dispute or anything. My accounts have been current for over a year. 
So I sent Capital One, XXXX, XXXX, and XXXX all my supporting evidence of my dispute and a XXXX page letter detailing my dispute and asking for a little grace just to have those late payments removed. I don't feel my request was unreasonable especially since people are still milking the XXXX cow and having things taken off their credit for that. I think my circumstances are a little bit worse than XXXX. 
What happened instead : My dispute has been ignored by all XXXX credit bureaus and Capital One. All 3 credit bureaus responded by putting a 7 year fraud alert on my account, when my information was never compromised. When I spoke to XXXX they admitted fault and removed the alert. XXXX and XXXX have ignored my communications, and I have not heard a response from Capital One as of yet. 
I would like you to investigate the issue and determine if what I originally disputed was reasonable under the Fair Credit Reporting Act, and if it is, communicate to Capital One and the credit bureaus the late payments from XXXX and XX/XX/XXXX should be removed. Further I would like you to counsel executives at each credit bureau when a fraud alert is appropriate. In my situation it was not. A parent 's stolen truck is not reason enough for an alert especially the only relevance it had was in regard to the dispute and my identity was never compromised. 
I can not communicate this to these people because I've made multiple calls and sent correspondence by mail. I did not attach documentation since XXXX, XXXX, XXXX, and Capital One all recieved my dispute letters, dads death certificate, obituary, my daughters obituary, and the stolen truck report supporting my extenuating circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XXXX  XXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX XXXX ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an unauthorized hard inquiry was placed on my TransUnion credit report by XXXX XXXX XXXX. I currently only have one authorized credit card account with XXXX XXXX, which is correctly reflected on my report, and I have not applied for any additional credit or authorized this inquiry. 

I attempted to address this issue directly with TransUnion but have not received a satisfactory resolution. This unauthorized inquiry is impacting my credit score, and I am requesting its removal. 

Thank you for your assistance in addressing this issue.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute inaccurate information that remains on my credit report, despite my previous attempts to resolve this issue. I have reviewed my credit file and noticed continued inaccuracies that I initially disputed. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or incomplete information on my credit report corrected or removed, and it is your responsibility to investigate and resolve these disputes in a timely and accurate manner. 

I would like to highlight that, in the past, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to comply with the FCRAs requirements to properly handle consumer disputes. In the lawsuit, it was alleged that Experian did not appropriately investigate and resolve disputes, leading to the persistence of inaccurate information on consumer credit reports. As a result, I am requesting that Experian conduct a thorough and accurate investigation into the items I have disputed. 

Specifically, I am disputing the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these matters thoroughly and correct or remove any inaccuracies from my credit report. I expect that the results of your investigation be sent to me within the 30-day period required under the FCRA. 

Thank you for your prompt attention to this matter. If you require any additional information from me to assist with your investigation, please feel free to contact me at via email at XXXX.
Product: Credit reporting or other personal consumer reports

JPMCB credit card ending in XXXX i had great credit-never late. I moved in XX/XX/year> and i contacted each credit card company. i received an email on XX/XX/year> from chase, no.reply.alerts.com saying i had a balance of {$180.00} which i had no idea of. i called then and they said i was XXXX days late, i said i moved and told you guys. 
They said we have no record of you moving but we do see on your account returned mail i paid the balance right there on the phone and filed a dispute on XXXX which was denied i cant be responsible if these idiots didnt take my information correctly and send mail or have it forwarded to my new address. Also no email till XXXX -i dont get it- therefore i request the negative info on my credit report be removed thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the consumer reporting agency in XXXX of 2022 requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( XXXX ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to 15 usc1681i ( a ) ( XXXX ) ( B ) ( XXXX ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I feel like I have been discriminated against because my federally protected rights have been violated by Equifax. I sent them a dispute letter that they received on XX/XX/XXXX to have 2 inaccurate items removed from my report. A closed account and a fraudulent collections account thats been reporting every month since XXXX of XXXX. They sent me a letter in response to my dispute letter that I received XX/XX/XXXX stating that the information I provided didnt match what they had on file and they requested more documentation. Which is XXXX because I sent them a copy of my drivers license, and bill showing my address, and the last 4 of my social security number. They do that XXXX just to prolong the dispute process and discourage consumers from pursuing further actions. I called their dispute number XX/XX/XXXX at XXXX to see if I would have better luck over the phone. The first agent confirmed my identity using my name and address. She asked for my social and I told her I dont consent to giving out my social and she doesnt need it to confirm who I am. I told her the items that I wanted deleted and she tells me they have to stay on for 7 years by law. I asked her if they follow the laws under the Fair Credit Reporting Act and she said she doesnt know what those are. How can these XXXX do business with consumers and not know or follow these laws! I asked to speak to a supervisor. She transferred my call to the wrong department and they transferred me to the appropriate person. I asked the supervisor do I need to fill him in on whats going on from the beginning or did the agent already do so. He said he understands I dont want to give my social. I said thats correct and the 1st person was able to confirm who I am without it. He asked me again for my social security number and I refused so he responded by saying hes terminating the call and hung up on me. Theres no law that says I have to give them my social security. Theyre not even a government agency. Pursuant to 15 USC 1681b ( a ) ( 2 ) they didnt even get my written instructions to furnish a consumer report with my information in the first place. This XXXX is all fraud! XXXX poor practices by a XXXX poor company.
Product: Checking or savings account

I was XXXX and physical y unable to make transactions. Fraud occured and the back denies my claim repeatedly
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccuracies present in my credit report, which I have identified as being negligently reported and maintained. This negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ) have caused significant harm to my creditworthiness and financial well-being.

Pursuant to 15 U.S. Code 1681o, I am asserting that the failure to comply with the requirements set forth in the FCRA constitutes negligence. Specifically, the following inaccurate information has been identified in my credit report : 1. Incorrect amount owed for collections 2. Verification of collections owed 3. Ability to accurately dispute accounts.

I have previously notified the agency Equifax of these inaccuracies, yet no corrective action has been taken. This ongoing noncompliance demonstrates a disregard for the accuracy and fairness mandated by the FCRA.

In accordance with 15 U.S. Code 1681i, I request an immediate investigation and correction of the listed inaccuracies. Additionally, I expect a written statement confirming the deletion or correction of the erroneous information within 30 days of receipt of this letter, as required by law. 

Furthermore, I am entitled to compensation for the damages incurred due to the agency 's negligent noncompliance. Should you fail to address this matter promptly, I will pursue legal remedies to ensure my rights are protected. 

Please find enclosed copies of relevant documents supporting my claim, including my credit report, previous correspondence, and any other pertinent information.
Product: Checking or savings account

Well over 30 days ago I tried to log into my account but appears to be blocked from all access using the account portals. When it tells me to use my debit card and provide last for social security digits it says non existence account or no information matches my profile. When I log unto the online banking I can not gain full access because the account log in page will not open. Something different appears in the browser page as The XXXX XXXX XXXX XXXX XXXX  and not pnc.com. I contacted the bank but they have not been able to assist me with this problem instead they tell me my account has been hacked, which I am already made aware. The company I use to work for XXXX unauthorized a transaction debited to my account that was closed sometime last year from XXXX XXXX XXXX XXXX XXXX XXXX. Again, my browser was blocked from my phone access to review my account for missing funds.
Product: Money transfer, virtual currency, or money service

Bj 's Membership no - XXXX I had Bj 's perk in-club award - {$20.00} and I spoke to customer service person name - XXXX at XXXX XXXX on XX/XX/2021 to get a check to my home address XXXX XXXX XXXX She ordered check and said it will come to my home in 2 to 4 weeks. But that has not come yet. I spoke to customer service today and spoke to XXXX. He said he could not find any old communication in their system. My rewards also expired now. This is total fraud. They don't have records of customer interaction also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim my first payment was never received which it was and my payments are current so why are you showing them late.

This is a formal notice that your erroneous claim ( s ) is/are now disputed.

1. Payments are not being reported accurately 2. Not showing in dispute on report 3. Reporting negative info about me while in dispute I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I also want my report to be void of all late and negative items. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

I would like for the CMRE. XXXX to show proof of verification that I owe them {$1800.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX tracking numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX  ) XXXX**** XXXX XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX  - XX/XX/XXXX Equifax XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX   Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX had told me the at I could not file for bankruptcy as the loan was an education loan and could not be XXXX by bankruptcy, but I found that it was a lie. The loan is a private loan and could have been XXXX by XXXX  XXXX or XXXX bankruptcy. I have since had a garnishment levied against me and I could have filed for bankruptcy.
Product: Debt collection

Dear Bank of America / Credit Card Services Dept ; There are 3 accounts on my credit report that i'm not aware. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Vehicle loan or lease

Lightstream/Suntrust/Truist approved my consumer credit application. I signed the agreement and entered my bank account info, the next day they contacted me telling me I was denied. I contacted them and they stated that I could not speak to someone of authority. I asked them if they were knowledgeable of the truth in lending act and they started going all over the place. I spoke with 3 reps and still couldn't get someone of authority on the phone. I asked them to show me in the truth in lending act that a consumer can be denied based on the reasoning they was giving me for the denial. They we're lost and had no understanding of the truth in lending act. This whole situation has caused me distress. I have never experienced anything like this from any other lenders I have dealt with. I should have not been approved and given my bank account info and a contract to sign if I was not approved, that's a breach in contract. Therefore someone in the company did not do their due diligence.