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

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost importance regarding a fraudulent account listed on my Experian credit report. I kindly request your intervention in rectifying this erroneous information and ensuring its immediate removal, as it is adversely affecting my creditworthiness and financial well-being. 

Account Details : Name of the account : XXXX XXXX XXXX Account number : XXXX Date it was opened : XX/XX/XXXX Fraudulent charges totaling : {$94.00} I want to emphasize that I have never had any dealings or financial transactions with XXXX XXXX XXXX. Upon discovering this fraudulent account, I promptly contacted XXXX XXXX XXXXXXXX on the XXXX of XX/XX/XXXX to address the issue. I was informed by their representative that this account should not be reported on my credit history and that it was a clear case of fraudulent activity. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are prohibited from reinserting deleted items on a credit report unless the creditor explicitly requests their reinstatement. Failure to comply with this provision would constitute a violation of my rights as a consumer. 

I kindly urge you to take immediate action to remove this fraudulent account from my Experian credit report, as its presence not only tarnishes my credit history but also creates unnecessary financial burdens and restricts my access to credit. 

I trust in your commitment to upholding consumer rights and ensuring the accuracy and integrity of credit reports. I request that you conduct a thorough investigation into this matter and expedite the removal of the fraudulent account from my credit report within the shortest possible timeframe. 

Furthermore, I kindly request that you provide written confirmation of the removal once the necessary action has been taken. Additionally, if any additional documentation or information is required from my end to facilitate this process, please do not hesitate to reach out to me promptly. 

I appreciate your attention to this matter and your prompt assistance in rectifying this unjust situation. Thank you for your understanding and cooperation. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection : 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 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

Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e XXXX, XXXX, and XXXX, as allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
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, Acc # XXXXXXXX XXXX  XXXX, Acc # XXXX, XXXX, Acc # XXXX, XXXX XXXX, ACC # XXXX, XXXX, Acc # XXXX, XXXX XXXXXXXX, Acc # XXXX, XXXX XXXX XXXX Acc # XXXX, XXXX XXXX Acc # XXXX, XXXX XXXX XXXX, Acc # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX, Acc # XXXX, XXXX XXXX, Acc # XXXX, Acc # XXXX, Acc # XXXX, XXXX XXXX XXXX Acc # 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: Debt collection

The debt collector has been calling me numerous times from phone numbers all over the United States never the same number and threatening legal action if I do not pay, however I have been making payments through the original lender for a few months so the amount the debt collector is telling me that I owe is not accurate so I will not set up payment plans when I have emailed them about this they tell me to call in however I am not able to get ahold of anyone when I call the number provided and when I answer the calls it is always very hostile.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we must remove any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX ACCOUNT NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX
Product: Debt collection

I had full medical at the time of my service and they didn't charge my medical but decided to bill me instead
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Equifax and XXXX  Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.
Product: Credit card or prepaid card

This is in reference to complaint # XXXX, which has previously been filed and closed on XX/XX/XXXX. However the issue is still unresolved. 

The comments below all relate directly to Capital One 's response to my complaint.

1 ) The letter does not provide the date the final payment is due before interest will be charged. Rather is only says XX/XX/XXXX. What is the actual day during the month of XXXX? 

2 ) When I spoke to representatives at Capital One they told me it was due XXXX, then they told me it was due XX/XX/XXXX. Now their letter says it is due in XX/XX/XXXX but does not provide a specific date. Why is it that each time Capital One responds to this question the date it is due gets shortened? 

3 ) A representative from Capital One called me in early XXXX and left a voice mail to call back. When I did I found I was calling they general customer service line. After holding for 10 minutes, then re-explaining why I was call, then being placed on hold, the representative finally came back on to the line and told me a letter was being mailed. Presumably the letter attached to their response. However I have NEVER actually received this letter.

4 ) On XX/XX/XXXX I received a call from another representative, this time from the " Executive Office '' wanting to discuss case # XXXX. I have called the number provided, XXXX, extension # XXXX, at least 5 times and left voice mail messages with my phone number. This person has never called me back. 

Capital One has still not resolved this complaint. In fact their responses only further confuse the matter. They simply prefer to give consumers the runaround. I am still expecting a resolution to this matter by them.
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/year>, XXXX XXXX of XXXX pulled an authorized hard inquiry with my credit report. They claimed that there was nothing that could be done about it. They told me that it was out of their control.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX - XXXX I attempted to purchase a car. The salesman showed me a copy of my credit repot that displayed derogatory credit reporting as far back as XXXX  including : multiple credit cards in dispute, and XXXX XXXX dollars in student loan debt. 
It also showed every dispute that I have ever made throughout my lifetime, and I am 65 years of age. 
This is a XXXX XXXX of justice and i am requesting an immediate investigation into false credit reporting. 
I do not owe over XXXX in student loans, and I do not have ANY credit cards in dispute. The last credit card I disputed was XXXX when during the Pandemic and mail was slow they reported me XXXX late with my payment, and that has since been corrected over XXXX year ago. Why would XXXX XXXX been showing, " In dispute ''? I am asking the credit reporting agencies to correct this false reporting. I am beginning to question if my credit report is entangled with someone else? I am a XXXX XXXX, XXXX of age and I find this error debilitating and stressful. I am asking for an investigation and correction of all tXXXX bureaus.
Product: Credit reporting or other personal consumer reports

Ive called XXXXXXXX XXXX informing them of my need of my 1099c i was informed that I can not get it from them I have to get it from another company which is false. The IRS clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. It is very inequitable to make me choose between potential tax consequences and still have XXXX XXXX continue to hold me liable on the debt that clearly states it is charged off. And received security interest on. Because its fact that it is income it makes the reporting of this account inaccurate! By definition by the IRS which clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate. The lender must file Form 1099-C and send me a copy if the amount of debt canceled is { {$600.00} } or more this applies to financial institutions, credit union XXXX federal government agency, or other applicable entity. XXXXXXXX XXXX XXXXs a financial institution by definition. any organization whose significant trade or business is the lending of money are subject to this regulation. Additional regulations ( 26 C.F.R. Section 1.6050 P-1 ).

In XXXX XXXX  I wrote XXXX XXXX discussing a deposit account possib
ly associated with my account and have not heard anything in response. According to their card holder agreement If the Account was approved on condition of its being secured or partially secured, the following rules apply : ( i ) you agree to create a Deposit Account, which you shall maintain with us and cause to remain unencumbered, except for the security interest granted to the Bank pursuant to this Agreement. If The Account is closed by you or by us for any reason, and ( B ) we fail to apply the funds in the Deposit Account against amounts owed on the Account or otherwise to us, you may request, in writing, that we apply the funds in the Deposit Account against such amounts. We will honor any such written request after we receive it at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. If the amount in the Deposit Account exceeds the amount you owe the Bank, then, unless you instruct us otherwise After the Account has been closed and there are no amounts owing in connection therewith or otherwise under this Agreement, we can hold the funds in the Deposit Account until the earlier of the following : ( 1 ) we elect, in our discretion, to close the Deposit Account and return any remaining funds to you ; or ( 2 ) not more than 30 days after we receive from you a written request to return any funds remaining in the Deposit Account. it has been well over the time frame with no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Debt collection

I bought a car ( XXXX XXXX XXXX XXXX from XXXX. XXXX was Bridgecrest.I made my first payment on time to the address they gave me in XXXX, Az. Got a collection call that I was late. Sent proof of that check but was told it had to go to XXXX. I stopped pymt ( {$30.00} ) they were to reimburse me. Never happened. 
All pymts made after that. XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XXXX. ( XXXX XXXX XXXX XXXX They sent payoff to Bridgecrest ( $ XXXX  ) Bridgecrest said they never received it. They were told by Bridgecrest to send it to XXXX. Collection calls continued ... saying they will report me to credit bureau. Then I called them again and they said they have the check for payoff but it was {$120.00} short. XXXX in XXXX mailed them a check overnight for {$130.00}. This was XXXX ... XXXX XXXX is finance at XXXX ... XXXX The account with Bridgecrest still shows delinquent. No one can tell me if they got the {$130.00}. Check ..mailed to XXXX, Az. 
The contact person at Bridgecrest XXXX XXXX. 
Communication with this co. Has been hell. Threats to report me as delinquent, adding more interest. Checks still not applied as of today XX/XX/XXXX ... XXXX XXXX When I call the number for Bridgecrest, I get collectors. Not nice people at all. I have been harassed, humiliated, and now my credit may be ruined. They have the money for payoff ... in XXXX, Az. They say I cant talk to none in Accounting So I have no recourse other than to file a complaint. I will sue them if this goes against my credit. I sent them the tracking numbers, the check numbers from XXXX XXXX in XXXX. Need help. This company Bridgecrest has many complaints listed ... I wish I had checked before. This is XXXX finance company. My credit score is XXXX. Not bad. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Tx. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I have received a mail from NETSPEND with an enclosed debit card which I didn't apply for. On the letter and the debit card, my full name is printed. There is an account number ( XXXX ), routing number ( XXXX ) and a bank name ( XXXX, XXXX. ) on the letter as well. 

On XX/XX/year> an online checking and savings account I have with XXXX was hacked, and I had to fight off the scammers who tried several different things to take the money out of my account. They had changed my password and phone number, and it took several days from the bank to react and lock them out of the account. I have filed a police report about it. My suspicion is that it could be related and my identity might have been stolen. Please advise on the best course of action on this matter. Thank you.
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 XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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

Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I listed as inaccurate : XXXX XXXX XXXX XXXX Late Payment XXXX XXXX Closed Account
Product: Payday loan, title loan, or personal loan

This company ran my credit and redirected me to multiple sites having me re enter my information. Now my credit has been compromised and there are many accounts opened using my information.
Product: Credit reporting 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 privacy under 15 U.S.C 1681. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 states I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reports 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 7 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.