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

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2020 ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Capital One National Association XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : CFO/CEO/LEGAL DEPARTMENT, Re : Formal Notice of Liability, Violation of 12 U.S.C. 411, 412, G.A.A.P., Equal Credit Opportunity Act, and Opportunity to Cure This letter serves as a Formal Notice of Liability against Capital One National Association on behalf of XXXX XXXX XXXX XXXX for clear and actionable violations of federal statutes, regulatory principles, and biblical legal precedents governing equitable commerce . 

On or about XX/XX/year>, Capital One engaged in discriminatory practices and the unlawful restraint of trade through its denial of my consumer credit application, thereby infringing upon my consumer rights under the following statutes and principles : - 12 U.S.C. 411 and 412 : These statutes mandate that financial institutions provide equitable and fair access to money and credit. Your denial, without justification or proper documentation, constitutes a violation of my consumer legal right to such access. 
- Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) : This federal statute prohibits discrimination based on race, color, religion, national origin, sex, marital status, or age in credit transactions. The denial of my clients credit application appears to have been made on arbitrary or discriminatory grounds, violating this law. 
- G.A.A.P. : Capital One, as a financial institution, is obligated to uphold principles of transparency, fairness, and non-discrimination in its dealings. Your institutions failure to do so further substantiates these claims. 
- XXXX XXXX ( XXXX XXXX ) : In alignment with ethical standards, the law requires impartiality in judgment. Your failure to act justly violates these moral and legal principles. 

This Notice of Liability serves as both a legal demand and an opportunity for Capital One to rectify its violations by reconsidering the denial of my consumer credit application and extending an appropriate line of credit, in line with my consumer financial profile, within 14 days of receiving this letter. Should you fail to cure this breach, I will seek all available legal remedies, including but not limited to, filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing compensatory and punitive damages for discrimination, lost financial opportunities, and emotional distress. 

Capital Ones conduct has caused real and quantifiable harm. I will pursue relief under 12 U.S.C. 411 and 412, the Equal Credit Opportunity Act, and other applicable statutes if you do not take immediate corrective action. Additionally, should this matter proceed to litigation, I will seek full discovery of your internal records related to this decision, which may further expose discriminatory practices, escalating your legal risk. 

I trust that Capital One will act swiftly and by the law to remedy this situation. Failure to do so will be seen as an explicit acknowledgment of guilt, opening the door for further legal and regulatory actions. 

Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX 
President/ Trustee/Non-Decedent
Product: Debt collection

This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report that I did not apply for on XX/XX/XXXX by XXXX ; The credit bureaus can not validate it and I already sent letters requiring to remove the inquiry but it hasn't been done yet. 
Negative account - XXXX XXXX XXXX XX/XX/XXXX Charge off - Holiday XXXX XXXX Vacations- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report pertaining to an auto loan account that I held with XXXX XXXXXXXX XXXX XXXX. After careful review of my credit report, I have identified discrepancies involving duplicate reporting of this account. Below are the details of the disputed account : Creditor Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Current Status : Balance owing - {$19000.00} I am disputing this account on the following grounds : Duplicate Reporting : The account in question is being reported multiple times on my credit report. This duplication of reporting is erroneous and has the potential to adversely impact my creditworthiness. Paid in Full : I want to emphasize that the auto loan associated with this account has been paid in full XX/XX/XXXX. 
Despite fulfilling all financial obligations, it continues to be inaccurately reported as active, leading to a misrepresentation of my credit profile. FCRA Compliance : I am bringing this matter to your attention in accordance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as yours, maintain accurate and fair information on consumers ' credit reports. The duplicate reporting of this account violates these provisions.

Request for Investigation : I hereby request a thorough investigation into this matter as per the FCRA guidelines. I expect your agency to conduct a prompt and fair investigation within the statutory timeframe of 30 days. 
I respectfully request that you take immediate action to rectify this discrepancy. Upon completion of your investigation, I anticipate a written response detailing the outcome and any corrective measures taken. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism. 
Below
Product: Debt collection

Company Convergent is engaging in unethical and bad faith practices. I made a payment arrangement on XX/XX/XXXX or XXXX and paid XXXX dollars and told them within two weeks -I still owed XXXX dollars. I got multiple letters from them during this two week time frame The one in front of me said I owed XXXX ( incorrect amount dated XXXX after we made payment arrangement and I had already mad a payment ). We had settled for approx XXXX dollars. My second and final payment was to be on XX/XX/XXXX. They turned in my info to the credit bureau XX/XX/XXXX. I paid the rest of the settlement yesterday on XX/XX/XXXX. XXXX XXXX XXXX got info from XXXX XXXX that an account was added. Convergent turned it in before my last and final payment of XXXX dollars. They reported it to the bureau with the amount of XXXX. It is already paid off. The company did not allow the arrangement to be completed before reporting. It should be removed.
Product: Checking or savings account

Ally Fraud contacted me XX/XX/XXXX saying suspicious charges. I logged in and noticed someone had attacked my bank account for XXXX XXXX I immediately called Ally fraud said those are fraud I did not authorize the charges. Now 3 months later Ally has taken the money back saying the merchant said I used them for which I never have, dont even know who it is. I looked at the company online and they are known scammers and money laundering. They allow stolen money to be turned into XXXX. I provided proof to Ally I have not nor would ever use this fraud company, I did not authorize any charges, I can prove I was at home and not in Florida and I can prove my IP address was not used. For which of any transaction with that scam company were to happen they would have to have my, and prove, it came from my IP address which they can not because I didnt use. Furthermore Allys own fraud department knew it was fraud as they alerted me and I said unauthorized And by Allys own security policy any customer who says a charge is fraud is not held liable and they sided with a known scam fraud company. I researched online and I am not the only one Ally has done this too there are thousands of Ally customers That have had this XXXX  company steal from that Ally has sized with and its clear Ally is in on the fraud with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report is cause me great distress and XXXX. 
According to the FRCA Law Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Debt collection

lvnv founding llc. send letter to my job to take money from my pay i spoke to my job telling them i dont know about this i never receive ant letter form them they still giving them my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I still can not view my correct Equifax credit report online.
Product: Credit card

I have been complaining about late payment that Wellsfargo denied or refused to work with however I already paid most of the money {$2700.00} they demanding to get paid XXXX that has left however they close the account without my knowledge im also demanding to remove the late payment to negotiate with me the information thats on my report is inaccurate. It is an ad app. I been requesting XXXX to remove it. However, they denied also my request. I did contact Wellsfargo multiple times frustrating going back-and-forth with the situation and is not working as I expect, I dont know whats going on with this bank and how this bank treat people unfairly that they did not value my business with them theyre ignoring my concern related to my payment payment account is one of my long-term accounts that Ive been paying and it looks like based on what they have reported is its really messing up my credit report over All But if the late payment is under the 30 days Most creditors provide a grace period after the due date before considering a payment late. But that grace period have never been provided to me at the same time. I have no agreement that I ever signed for these people to have a permission to send a late report to Credit bureau.

Generally speaking, the reporting if its under 30 days, it shouldnt be considered late payment And all the listed dates that I provided here it doesnt add up and it doesnt make sense. Im requesting to delete this information since it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I furnished all the above information to Equifax, XXXX and XXXX and mailed and delivered it to them on XX/XX/2023. According to the law they should have all deleted every report I made in the identity theft report which I will attach. Only experian have done so. XXXX and Equifax have yet to delete it and its way past the 4 days.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Name - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.
Product: Credit card

On XX/XX/year> I had purchased an excursion package from XXXX XXXX XXXX for XX/XX/year>, in the amount of {$210.00}, that day. However, the water excursion in XXXX was cancelled due to weather restriction. I had requested for a refund, but Barclays has not refunded me for the cancelled excursion. I also inquired about a charge of {$84.00} from the merchant ( XXXX XXXX ) on the same day XX/XX/year> I had not received any proof of purchase regarding this transaction nor signature to verify the item.
Product: Debt collection

I started receiving letters from Viking Client Services stating that they are attempting to collect debt on behalf of XXXX XXXX XXXX XXXX. My XXXX account shows no evidence that I owe them money.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
XXXXXXXX XXXX  XXXX.
Product: Debt collection

Capital One placed a Judgment against me in 2011 for a debt I owed. My paycheck was garnished until the debt was satisfied. I have the satisfaction letter from the courts that the debt was paid. Now years later I am being harassed by the company Capital One uses to handle their collections. They claim I never paid the debt and are trying to get me to pay more money to satisfy the debt a second time. I have repeatedly told them that it was already taken care of and they will not listen. I try to call Capital One directly and they transfer me back to the collection company. To make it worse, Capital One is still reporting to the credit bureaus that I owe them money. I have sent numerous disputes to the bureaus to have this corrected and they are violating the Fair Credit Reporting Act by still reporting the balance. 

Please please help so I can move forward with my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is fraudulently reporting on my EQUIFAX credit report.
Product: Credit reporting or other personal consumer reports

This is in response to Experian 's attempt to clear their errors from my report AFTER receiving my complaint through the CFPB ( XXXX ) and not have to pay for their errors or damages to me. I will attach a copy of my credit report, Which, was received shortly before my complaint was submitted. You can see where all of the items listed in my complaint actually DO and DID exist. Due to this proof, Experian should be held liable and compensate me appropriately.
Product: Credit reporting or other personal consumer reports

XXXX 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  : # XXXX, XXXX XXXXXXXX XXXX : # XXXX,, has violated my rights. 


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 reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per XXXX usc XXXX. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX about a Sallie Mae hard inquiry found on my credit report, that i did not authorize. They said I should talk to Sallie Mae.I need Sallie Mae to remove this from my report.
Product: Checking or savings account

USAA Banking locked my access to my accounts with instructions to call them to unlock. When attempting to call their wait times are XXXX long. I have been attempting to contact at different times for the past XXXX days with no resolution of the issue. There is no other avenue to fix the issue to access my money. No actions have been taken by the company to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute into reported account closure. Reporting agency states that account has been closed and isn't reporting credit card as active account. Credit card account is active and open as of XXXX. Account was never closed, after investigation of dispute experian is still reporting account as closed. Experian will not allow me to open another dispute into this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts CREDIT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.