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

The Equifax website provides no means for actually contacting their support, and for two years now my Equifa credit report jhas not been available online through the XXXX XXXX XXXX website. Equifax merely reports that the credit report is not available online, and then requires an onerous process by mailing a form and documents.

I have had no such problem with either of the other two credit reporting agencies.
Product: Prepaid card

On XX/XX/XXXX I purchased a reloadit pack, issued by Blackhawk Network California , Inc.. I put {$400.00} on the card at the register. My receipt says AUTH : Approved, as well as an approval number. On the Reloadit Pack it states to go online and set up a Reloadit safe. I have attempted to open a safe for 72+ hours now, have spoken to 4 customer service representatives, and been assigned 3 different case numbers. I was told that I would be contacted by email after 24 hours, however, I have yet to receive any sort of correspondence. I put this money on the card, so as to pay bills that were/are due. Now they are overdue. Is Reloadit going to pay my late fees?! This is completely asinine, and what claimed to be a fast and easy process, has turned into a complete nightmare! I just want my {$400.00} back, and will NEVER EVER use a prepaid system again. I feel like this was a complete and total scam. They should be held accountable, and charged with fraud.
Product: Debt collection

XXXX XXXX XXXX is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was Pendrick Capitol Partners II LLC. I'm not familiar with them either. 

If I have no written contract with XXXX XXXX why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. 

I have sent a letter directly to XXXX disputing these charges and account a week ago.
Product: Debt collection

This company is calling my place of employment and being very rude and threatening. I do not know what it is in regards to but from the first moment they were rude and threatening.
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. 

Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX XXXXXXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a 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 reporting containing any of the following items of ( 2 ) information 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 card or prepaid card

I took out a credit card from Capital One several years ago after experiencing a XXXX illness which left me XXXX XXXX. My current interest rate under this credit card is 25.90 %. While I understand that my credit rating is not stellar, I always pay much more than the minimum balance each month to Capital One. I also have a car loan through Capital One which also has a much higher annual percentage interest rate. I realized after the XXXX illness that I would need to rebuild my credit after my inability to pay for my monthly medications under XXXX. XXXX has a {$3700.00} out of pocket expense on Tier One medications. 
Once I reach the {$3700.00} out of pocket expense, I go into the Medication Coverage Gap which means I then have to pay ANOTHER {$4700.00} out of pocket for medications. As I am a XXXX XXXX XXXX, I require about a dozen different medications. When I am in the XXXX Coverage Gap,  XXXX raises their out of pocket expense on XXXX and other life saving medications. I pay the highest premium under the XXXX Part D program for medications through XXXX. 
I was informed this past year by a XXXX representative that it did not matter HOW MUCH I PAY for the XXXX Part D premium, EVERYONE under XXXX, ( one of only 3 XXXX Advantage Plans in XXXX Wisconsin where I live ) pays the out of pocket XXXX Coverage Gap of {$4700.00} out of pocket expense for life saving medications. I would like the CFPB to investigate both Capital One on both my credit card and auto loan interest rates as well as XXXX and what I feel is XXXX fraud under the XXXX Part D program. In addition to the XXXX Part D program for medications, I also pay an annual premium for XXXX Part D of approximately {$130.00} per month PLUS 20 % of any / all XXXX Part B services. Again, XXXX does not pay the full 20 %, thus MORE OUT OF POCKET EXPENSES!!! With a limited fixed income, there is no possible way for me to pay for the high interest rates under Capital One for a credit card and an automobile loan in order to have a reliable mode of transportation in XXXX Wisconsin which has VERY FEW options for medical or non-medical transportation. Thus, the need for one credit card and one reliable vehicle paid for at 25.9 % apr/interest rate. I feel as a XXXX person, I am being discriminated against by both Capital One and XXXX, XXXX Advantage Plan. PLEASE HELP ME!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX- XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX , XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 7. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times with no response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Unauthorized Information Reporting under 15 USC 1681 Dear Experian, I am writing to dispute the accuracy of the information contained in my credit report provided by your agency. According to my review of the report, certain information has been furnished and disseminated without my written consent, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

I have never provided written consent for Experian to furnish my personal information or obtain my credit information. As such, any reporting of my personal and credit information by your agency is unauthorized and violates my rights under the FCRA. 

I am formally requesting that you investigate this matter and remove any unauthorized information from my credit report immediately. Additionally, I request that you provide me with a written explanation of how and when my personal and credit information was obtained and furnished without my consent. 

Furthermore, I would like to exercise my rights under the FCRA to obtain a free copy of my credit report from your agency. Please provide me with the necessary information and instructions to obtain this report. 

I expect a prompt and thorough investigation into this matter and a timely resolution of the dispute. Failure to comply with the FCRA and address this issue satisfactorily will result in further legal action. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC IS NOT LICENSED TO REPORT OR COLLECT DEBT IN FLORIDA AS I CHECKED ON THE NMLS CONSUMER ACCESS WEBSITE. THEY ARE ILLEGALLY POSTING ON MY CREDIT REPORT!!!!
Product: Credit card

On XX/XX/2023, I went on the American Express chat to see if I had any available promotions or product benefits, As a general question I asked the chat support if there were any promotional credit line increases available, and they asked to obtain information about my total annual income, I replied with the income amount as well as if this is gon na be a hard inquiry, I was then told for that matter I would have to check the dedicated team and agent tried to submit my request but was currently denied, I responded with why did you submit if I did not give you consent, and all you did was ask for my total gross and did not confirm if I consented and agent did not follow policy and submitted without my consent. I have had several complaints/claims opened and in each one, I was told they were closed as there is no resolution for what was done.
Product: Credit card or prepaid card

This company is participating in predatory lending. They have collected fees almost double my credit limit. I asked for a due date change twice they never did it and continued to charge me {$40.00} for being 3 days late every month since I opened the card. I had 2 cards with them first digital and first access.
Product: Credit reporting or other personal consumer reports

I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date.

2 CONSUMER ADJUSTMENT CO # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am not having an issue with the actual company ( PayPal ) that the the monetary exchange happened on except for not being able to cancel the transaction. My problem is with the person who turned out to be a fraud or a scam on XXXX. 

On XX/XX/2019, a person messaged me on XXXX about having a certain concert ticket I was searching for. She sent me a screen shot of the ticket I was looking for and it all looked very legitimate. I even asked a friend and she agreed. She wanted me to send her the money through PayPal friends and family. It wasn't a large amount of money so I preceded to send the money. She said she went to verify that the money was there after I sent a screen shot of sending her the money. She was then supposed to email me the tickets. I messaged her twice and then fell asleep ( this was at bedtime ) and this morning I check and the account of the person no longer exists and I can not message her back, the messages are all grayed out and you can't see her profile or find her in a search ( at least under my name ). XXXX XXXX shows this message, " This message is no longer available because it was identified as abusive or marked as spam, '' as the last message I received from this so-called account. As I said I sent the money ( {$40.00} ) on PayPal and was charged a {$2.00} fee for being in another country ( said she was vacationing there and that's why she couldn't go to the concert and was selling her ticket ). I also sent as Friends and Family even though I know that wasn't the best idea but of course if the seller can avoid a fee they are going to try. should have known something was up then but although somewhat sketchy it was not a large amount of money I was paying so it also seemed somewhat legitimate. The money says its supposed to arrive on XX/XX/2019 but I still am unable to cancel the transaction on my PayPal. I realize this money probably won't be retrieved but after looking further into this afterwards, there seems to be lots of SPAM accounts and what concerns me is that this could possibly lead to identity theft or draining my accounts. The XXXX name/profile she used was XXXX  XXXX XXXX or XXXX XXXX XXXX. It shows one way in XXXX XXXX  but seems like it was the other way when I looked at her profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

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

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a single late payment over 7 years old to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old child support that showing up on credit report. 

XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX XX/XX/XXXX ( 15 yrs, 2 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

My cash app account was closed and I was never told why.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, Equifax ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XXXX  days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. 
I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 
Further more lets take a look at 15 USC 1666b\n ( a ) Time to make payments\nA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 
The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
LATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.