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

This is my six complaint and I want to tell you that I am a victim of identity theft and I am submitting this request for you to investigate some inaccurate informations on my credit file. I found out that these inaccurate items does not belongs to me nor i never signed any agreement regarding this. Since it is a necessity by regulation 605b of the FCRA that these inaccurate items must be deleted on my file. I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These erroneous items must be remove on my credit file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance : {$230.00} ; XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$18000.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$230.00}.
Product: Checking or savings account

I've been trying to address this problem since XXXX, with checking account ending in XXXX. Capital One closed my account for fraudulent activity. Despite my best efforts to prove that not be the case, my account remained closed. I was told that my paycheck for {$XXXX} was mailed to my home address at the time. I never received it. After calling multiple times, and leaving messages on their fraud departments voicemail, I filed a complaint through the XXXX XXXX XXXX. Nothing ever came of that. Recently, there was a lawsuit involving the same issues I've been having with Capital One, but I learned of the lawsuit to late. Again, I reached out and asked for my {$XXXX}. I've yet to receive it, and when I finally get a representative, they state that the check has been mailed. All checks contain a check number. Can't they run the number and see that the check has never been cashed, and issue me a new check?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX OR XXXX XXXX XXXX XXXX, MI XXXX Tues XX/XX/XXXXXXXX XXXX1 REQUEST FOR A List Of ITEMS Totaling {$9600.00} YOU HAVE REPORTED TO CREDIT BUREAUS AS 180 PAST DUE as of XX/XX/XXXX. THERE ARE MORE THAN 50 NEGATIVE ITEMS LISTED ON MY CREDIT FILES BY CREDIT ACCEPTANCE CREDIT ACCEPTANCE HAS A REPUTATION OF RUINING CUSTOMER CREDIT WORTHY. This car was PAID OFF by XXXX, I NEVER RECEIVED A LETTER FROM CREDIT ACCEPTANCE FOR MORE THAN A YEAR OF ANY BALANCE. WHEN I CHECKED MY CREDIT FILES, I SAW A HUGE BALANCE OF OVER {$9000.00} THIS CAR 'S VALUE IS LESS THAN {$5000.00} AS OF TODAY. HOW DID CREDIT ACCEPTANCE ARRIVE AT THAT RIDICULOUS BALANCE OF {$9600.00} FOR A CAR WHICH WAS TOTALLED AND PAID OFF THIS MATTER HAS BEEN REPORTED TO THE Attorney General 's Office in CA and ALL other Customer Reporting Agencies in the United States. CREDIT ACCEPTANCE obviously has not learned their learn from ALL the Lawsuits filed in State of Massachusetts ... .and the more than {$25.00} MILLIONS they were asked to pay for the BAD BUSINESS PRACTICES ..... 

You are to provide me with a list of items validating the {$9600.00} you have reported on my Credit Files as 180 Days PAST DUE as of XX/XX/XXXX, causing severe and irreversible damage to all my Credit Files.This information MUST be provided NO LATER THAN 10 days of receiving this letter. 
It has been more than 3 years since the XXXX XXXX XXXX was considered a TOTAL LOSS by XXXX Insurance for which your Company received a PAYOFF in the amount of {$7600.00}. 
Claim Reference # XXXX I have never received any correspondence from your company regarding until I pulled my Credit File on XXXX XX/XX/XXXX & noticed the {$9600.00} you reported as past due Your derogatory and unsubstantiated claim has caused me the following Life-Time IRREVERSIBLE Damage Healthwise Medically and Mentally XXXX ) Severe Irreparable Damage to all my Credit Files ( 3 Credit Bureaus ) XXXX XXXX Inability to obtain a reasonable Interest Rate on a Car Loan XXXX ) Inability to obtain a Mortgage Loan XXXX ) Inability to obtain ANY KIND of Credit Card XXXX XXXX Inability to gain employment ( Executive Level position ) due to Low FICO Score XXXX ) Severe Medical Conditions XXXX XXXX XXXX ( XXXX ) due to XXXX related to the amount you claim I owe and the permanent damage it has caused to my FICO Scores a. I have attached copies of my Emergency Room Visits and the related Costs XXXX ) Frequent Emergency Care Visits triggered by XXXX ( which is now a PERMANENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has delinquent for over 30 days and I have paid all payments on time..
Product: Debt collection

They are calling my work saying I owe money I do not. They are threatening legal action talking to co-workers and leaving messages on my work phone telling me to contact this other firm because I am going to go to jail. I asked him to stop and not threaten me and he said I do not tell him what to do. He then asked me to transfer him to my boss. They called my work 4 times in the matter of minutes.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke with XXXX, a supervisor at TransUnion, who stated that TransUnion does not perform investigations for disputed accounts. The case number for this call is XXXX. TransUnion is improperly handling my identity theft disputes despite me providing all the required documentation. From my experience, TransUnion supervisors are incompetent and lack knowledge of the Fair Credit Reporting Act ( FCRA ) guidelines, particularly FCRA 611 and FCRA 605B. Their severe lack of competence has resulted in negative items being reported on my consumer report due to their failure to investigate. Below are previous case numbers where TransUnion failed to properly investigate and claimed they do not investigate : CFPB Complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I request the CFPB to address this matter and ensure TransUnion complies with FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Note : not sure if this is correct section to send this to -- as it involves both a credit card company and credit reporting services -- - but if not please either forward or let me know so i can redirect. Thanks. ) I discovered that Citigroup, specifically Citicards credit card/ Diamond Preferred card ( acct ending in XXXX ) WITHOUT AUTHORIZATION OR NOTIFICATION, starting in XXXX, 2018, switched my billing to " e-billing '' and additionally were using an old email address that has not been in use for some 10 years. Without authorization, they ceased sending paper bills ( which they had been sending since the account was opened many years ago ).

I discovered this when I received TWO outside credit monitoring reports showing that Citi had reported my account as delinquent to XXXX, XXXX and to XXXX, resulting in damage to my credit rating.

They also charged me two months worth of late fees XXXX $ XXXXmo ) which they have reversed. 
On TWO separate phone calls when i demanded to speak to someone who would notify the credit reporting companies of their unauthorized action and provide me with copies of the communication sent by them, they disconnected the call. 
I therefore demand that Citi communicate immediately with all three credit reporting companies, see that the negative information is rescinded and provide me with proof thereof. 
The unauthorized nature of their action that caused the problem is self-evident. Not only were they NEVER authorized to switch to e-billing but it is patently absurd that I would ever have provided them with an old, unmonitored email address. 
Thank you for your attention to this matter.
Product: Credit card

On XXXX I contacted Aspire Credit Card Company about our late payment. Our credit limit is {$300.00} on this card and they had racked up lates fees of {$180.00} which I hoped they would negotiate. The rep that I spoke with was very rude and would not help. I have serious health issues in our family so I told him that I would contact him at a later date as I had other bills to pay. I DID NOT authorize any payments on this account. This account had been CLOSED per the rep. On XXXX Aspire sent a payment thru my checking account for {$310.00} which my bank paid but I am overdrawn and getting fees. I spoke with Aspire this morning to tell them I had disputed this payment and asked them to reverse it. I was transferred to three different depts without resolution. This is my second complaint on this company, frankly they should be out of business for their shady practices but instead the consumer is hurt. Please help
Product: Debt collection

collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) bet yet they placed a collection on my consumer report.i have not yet been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( 4 ) ( I ). Collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) A.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Fraudulent Accounts Dispute To Whom It May Concern, I, XXXX XXXX, do hereby state that the following accounts/creditors reporting on my credit report are fraudulent and were never obtained by me or with my consent : 1. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XX/XX/XXXX - Type : Personal Card 2. American Express : Good Standing - Reason : Fraud - Not my account - Account # : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XX/XX/XXXX - Type : Business Card I am attaching copies of the following documents for your reference : - Current FTC Identity Theft complaint - XXXX XXXX letter explaining I was a fraud victim - Letter associated with a previous mailing address from the XXXX data breach On XX/XX/XXXX, I spoke with an XXXX representative who suggested that my current FTC complaint would assure the deletion and blockage of these creditors. 

Any identification or corospondence on these accounts was unauthorized and done without my knowledge or consent. 

Additionally, my mailing address, phone number, and email are incorrect and should be updated by XXXX to the following : Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Email : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I would like to begin by thanking you for your time and attention to address my concerns. This letter is to explain my recent financial difficulty with paying my mortgage. It started 2013 when I learned my mortgage was increased from {$700.00} to {$1900.00} which is a significant increase. 
This was done without any notice that an increase was going to occur. This caused late payments associated with late fees to my account. I have to mention that I have not received the kind of assistance with saving my home I deserve. I was n't provide all the information regarding loan modification, debt forgiveness, or short refinance which would have certainly taken my loan from inflated to XXXX more manageable within the fair market value of my home. During the time I considered a short sale your on appraiser listed the value of the property as {$80000.00} when I owe at least {$200000.00}. Being that I currently reside in the home it would make more sense to work a person living there than to have it vacant. It seems that there has been a personal attack against me and discriminatory practices by Caliber against XXXX XXXX citizens. When I was in court going through the chapter XXXX deposition a young XXXX female explained to the court recorder that she was forced to surrender her property which was secured by a loan from your Caliber Home Loans as a condition of her bankruptcy. I 'm also aware that a class action lawsuit was filed against Caliber Home Loans Mortgage which has been and still is associated with my account. 
I am seeking Loan Forgiveness, or a mortgage that is in proper standings with a fair market value of my home. As with many people today, it is difficult to maintain a reasonable standard of economic viability when dealing with predatory lenders. 

As recently as the last two months they have been negligent with responding to inquiries from XXXX XXXX / XXXX ( XXXXXXXXXXXX ). She can be reached at the email provided for verification.
Product: Debt collection

I was denied a simple store card which prompted me to check my consumer report ; upon doing so I noticed a company by the name of SEQUIUM ASSET SOLUTIONS listed I have never heard of before or did any business with on my consumer report. I never received a letter in the mail or phone call explaining to me who they are or the alleged debt I owe.
Product: Credit reporting

Hi, I recently discovered while checking my credit on credit karma that there is an address that is not mine. This address I have never been to and I want this to be remove from my credit reports has I think this could be a person trying to do fraud using some of my information. 

The wrong information on my credit reports are as follows:XXXX , CA XXXX - this has NEVER been my address and have NEVER even been in the area. I just recently moved to XXXX. 

Could I have some help on how I can remove these from my credit reports? 

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

On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Carmax Auto Finance requesting that they delete inquiries on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at Carmax Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to XXXX XXXX XXXX XXXX bearing my signature.
Product: Mortgage

I applied to refinance my home loan 4 months ago. The agent I went through is the same person I used for my last mortgage ( at a different bank ) and everything was simple and fast, so I know he is not the problem. I am employed, earn a healthy salary and have zero debt. This should be a snap! Citibank keeps asking me to supply redundant documents -- bank statements, pay stubs. I have asked numerous times what the hold up is, and I have yet to received a satisfying answer.
Product: Credit card or prepaid card

On XX/XX/2018, I scheduled a payment of {$290.00}. Upon reviewing the account, I noticed that Capital One put a hold on the account, so I made a call to their customer service department. The customer service agent willingly was able to release the Hold. I used the card for a Cash Advance purchase and a General purchase. As soon as that happened, I noticed that Capital One put a second hold on the account. 

Capital One maintains that the reason why this happens is to avoid identity theft. I was able to verify my account with this company on several occasions, but this company continues to use the same tactics again and again. I'm finding that Capital One, while they are obliged to follow security regulations, are acting in a suspicious manner to constantly put holds on the account even after I've made several confirmations of my identity. If this continues to happen, I will cease all use of the card going forward and will reach out to the community to share my experiences with similar customers. People who use Credit Cards would absolutely want to hear about incidents like this as it will help them decide if it's a service worth having. 

Additionally, I realize your company is bound by procedure/policy, but you really should not ignore complaints like this, because ignoring complaints like this could ultimately harm your business, ESPECIALLY if it's shared with the public.
Product: Credit card or prepaid card

The company 's name is affirm it's a credit card company on internet I payed the bill off was XXXX cents when I called to close it I was told to call back in XXXX days that I had to wait XXXX days to close account. I don't owe anything so I think I should be able to close it as soon as I call them.thank you for your help.
Product: Credit card

I am experiencing a persistent technical issue with Capital One 's Venture X credit card that prevents me from transferring my rewards points to airline partners, specifically XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Despite having valid membership accounts with both airlines that work successfully with other credit card programs ( XXXX XXXX and XXXX ), Capital One 's system consistently returns error messages claiming my membership information is invalid. 
I made multiple transfer attempts throughout late XX/XX/XXXX and XX/XX/XXXX, all of which failed with error messages stating my information was invalid. I contacted Capital One customer support on multiple occasions in XX/XX/XXXX to resolve this issue. On XX/XX/XXXX, I sent a detailed email to Capital One with supporting documentation, including screenshots of my airline loyalty accounts and the error messages, demonstrating that my account information is correct. To date, I have received no meaningful assistance or resolution. 
This situation effectively renders one of the card 's primary advertised features- the ability to transfer points to travel partners- unusable. As this is a key feature prominently marketed by Capital One for the XXXX X card and factored into my decision to become a cardholder, the inability to use this feature amounts to false advertising. The card continues to earn 2X points, but these points can not be used as advertised due to technical issues on Capital One 's end.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts and inquiries listed below, which have appeared on my credit report as a result of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and permanently deleted from my credit file immediately. 
The fraudulent accounts and inquiries are as follows : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on X/X/2003. My employer was recently served a writ of garnishment from XXXX XXXX XXXX, on behalf of XXXX XXXX, who is supposedly collecting the debt for XXXX. The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.