23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX, my Capital One personal card was declined while trying to make a purchase ( less than {$10.00} ). Upon calling Capital One customer service, I was informed that a " restriction '' was placed on my credit card account, and that I would be unable to use the credit card until I submitted specific documents for identity verification. 

When I asked why the restriction was put into place, a representative of Capital One & that representative 's supervisor both declined to provide an explanation. My account has been in good standing for many years, and Capital One gave me no notification about potentially fraudulent charges ( as has happened a number of times in the past ). Quite simply, Capital One restricted my account with no warning or justification provided. 

Capital One 's proposed solution is for me to submit ( sensitive ) documentation in order to verify my identity : [ 1 ] a scan of the front & back of my driver 's license, [ 2 ] a scan of my signed Social Security card, and [ 3 ] proof of residence ( e.g., a utility bill or bank statement ).
Product: Debt collection

The accounts are counterfeit there is no lawful binding contract between me and either person in this report. Any contract that bears my signature was not signed with my own hands. No person can verify that I signed a credit agreement with them giving permission to use my information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having auto loan with XXXX XXXX XXXX. I have been paying monthly EMI regularly and also paid some extra amount to pay off the loan early. It is also been reflected in monthly statements from XXXX XXXX XXXX. 

But it seems that XXXX XXXX XXXX has not been reporting this to credit reporting bureau ( Experian, XXXX, XXXX ) since XX/XX/2023. 

This is affecting my credit report and credit history very badly. 

On XX/XX/2023, I have sent credit report, my monthly statements from XXXX XXXX XXXX and letter explaining my situation. I haven't heard anything from them so far. 

Kindly request you to please take action on this at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Federal Credit Reporting Act, XXXX is requited to only list factual information. Any information that is not factual must com off your credit report. XXXX list the following unfactual information. 

XXXX XXXXStatus is incorrect. Type of Account is incorrect. Please remove XXXX XXXX-Never had an account with them, have a signed contract and never did business with this company. Please remove XXXX/XXXX-Payment history is incorrect. you can not have two 120 days past due consecutively in a row XXXX XXXX XXXX ( 4 tradelines ) -Current Payment status is incorrect and last payment received is incorrect. Please remove.
Product: Debt collection

XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, NC XXXX ( XXXX XXXX XXXX XXXX ) {$760.00} XXXX XXXX, XXXX This company has put this on my credit report ( XXXX XXXX XXXX XXXX ) in collections and they are n't licensed to collect in TX nor do I reside in MS or NC.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting
agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Vehicle loan or lease

On XX/XX/2024 around XXXX a repo company that Bridgecrest used came and took possession of the vehicle. When the company did so, they damaged my property. Fast forward I called bank to see where they sent the vehicle they gave me the information to a company called XXXX I call them and spoke to them and they gave me the number to where it was and I also spoke to them about the damage that occurred when they picked the vehicle up. At the time the vehicle was about 1 hour away from me. I set up an appointment to get my personal property. On XX/XX/2024 I make arrangements to get to the location to where the vehicle was at only to get a message that the vehicle was moved days ago to another location. I called the bank again Bridgecrest and they gave me the number to where the vehicle was at. I called that company called XXXX. They are located in XXXX, FL now at this point the vehicle is now 3 hours away. I have been calling Bridgecrest for them to send over paperwork to that company so I can get my personal property back. At this point this company is purposely moving the vehicle further away so I cant get my items or file a claim against their company. This is not a way for me to be bullied into keeping the vehicle when it needs a lot of work and they are not willing to lower the price of ownership. It is now XX/XX/2024 and Im still going through this.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter dated XX/XX/XXXX from Forest Recovery Services, LLC, that I owed {$20000.00} to XXXX XXXX XXXX and that I had 30 days to dispute the validity of the debt before the debt was assumed " valid ''. I immediately asked for validation ( sent certified mail ) and on that same exact day XX/XX/XXXX, I was notified by XXXX that the negative data had been entered onto my credit file. I then disputed the account with XXXX asking them for validation and they quickly validated the account. On XX/XX/XXXX I received a questionable " Account Transaction History '' printout, a lease and a " Move Out Calculation '' report. This was not substantial evidence proving that I made such debt. I then sent a certified letter to Forest Recovery Services, LLC, requesting further investigation. I also sent a certified letter to XXXX making them aware and they continue to report the debt, without proper validation. What proof was submitted, because the proof I received does not conclude I made those charges. If you take a look at their evidence, it is inconclusive. Yes, that is my name and yes I did once reside at that said address but nothing was submitted proving the charges were made by me. No receipt nor invoice, a certified letter or email to me nor checklist provided. Taking a look at the " Move out Calculations " printout, it states that I " vacated '' this unit on XX/XX/XXXX but if you look at the lease, written note states " XX/XX/XXXX Keys on counter. '' If XX/XX/XXXX is when they assessed the charges, other tenants or vandalism could have occurred to cause such charges as XX/XX/XXXX is 5 months after XX/XX/XXXX. 

Forest Recovery could not provide any substantial information suggesting this debt of over {$20000.00} is mine therefore this account should not be reporting on my credit file.
Product: Credit reporting

There is an acct. Listed as being " open and in collection '' on my credit report. The collection company is XXXX most and they list the original creditor as XXXX XXXX dvd. I have never done business of any sort with XXXX XXXX dvd, in fact I have never even owned a dvd player. The claim that I owe them money is completely erroneous and should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EXPERIAN, XXXX, XXXX concerning their handling of a fraudulent account ( XXXX  ) listed on my credit report. Despite my diligent efforts to resolve this issue through appropriate channels, including providing substantial documentary evidence, the bureau has failed to remove the fraudulent account. 

On XX/XX/2024, I discovered an unrecognized account on my credit report, which I immediately reported to EXPERIAN, XXXX XXXX  as fraudulent. Following the recommended procedure, I provided a police report, an FTC Identity Theft Report, and sent letters of dispute along with copies of my identification to ensure thorough verification.

Regrettably, my efforts to rectify this issue have been met with inadequate responses from the credit bureau. Specifically, after their investigation, they informed me that the data furnisher had verified that the account belongs to me. However, no proof or detailed explanation has been provided to substantiate this claim, which directly contradicts the evidence I have submitted indicating identity theft.

The presence of this fraudulent account has adversely affected my credit score and has potentially far-reaching implications for my financial health. It is imperative that this matter be resolved promptly and fairly, ensuring that all inaccuracies are corrected in accordance with the Fair Credit Reporting Act.
Product: Student loan

I started at XXXX XXXX College in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to ACS first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto XXXX and added more money.Now XXXX is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay XXXX XXXX for money that I did not borrow. I 've ask XXXX for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and XXXX and ACS. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as ACS taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with XXXX so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that XXXX ACS and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and XXXX Bless.
Product: Credit card or prepaid card

Incidence Date : XX/XX/XXXX Company : Express credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : XXXX request for reversal of XXXX payment Made via mobile app. ( Overpayment account is now in negative XXXX ) Called again XXXX for refund Called XX/XX/XXXX for refund that has still not been received no help with representatives *I also tried through XXXX bank but was unsuccessful
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Debt collection

Got letter today from IC System stating I owe XXXX XXXX {$700.00}. I have never had an account with them. If you go back through your files you will see I have filed a complaint about this going back to XXXX. This is the 3rd or 4th debt collection agency that this has been shuffled off to. Each time dispute this I win. I have spoken to XXXX   about this in XX/XX/XXXX speaking to them to send me a copy of a signed contract and copy of my ID proving this. I have the email if you need them proving I spoke to XXXX XXXX. I have proof I lived at XXXX XXXX. XXXX and you can find me under the bankruptcy website showing you the XXXX XXXX address I lived at and there is a news article in the XXXX XXXX XXXX where my apartment was burned. I made the front page. I had an XXXX  satellite at that time of the fire. If this was my debt all I would have had to do is file it under my bankruptcy I filed after my apartment building burned. XXXX never bothered me again until today well the new collection company this debt has been sold to rather. So I am reaching out to your agency again. This is not my debt, please help me out again. Thanks
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. Any information on my report between XXXX and XXXX does not belong to me. I am not aware of any of the derogatory items and collections. My entire report is full of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Student loan

A telephone call on XX/XX/2023. Nelnet had no information on on-ramp repayment the representative said there is currently no such thing. They also said that if payments are missed for 90 days then they will be delinquent and if they are missed for 270 they will be in default and referred to collections. I told them it this information conflicts with what I heard about on-ramp repayment. They said the only thing they currently have is fresh start which involves going into default and then being able to fill out a form at studentaid.gov and re-enter repayment in good standing. I asked how long fresh start is going on but they had no information. They said they may have more information next year or next summer.