23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint because XXXXXXXX XXXX is refusing to remove the {$0.00} charge off that is still continuing to be reported on my reports even though the charge off was paid. This is my second complaint. XXXX XXXX  stated incorrectly in the response that was provided on XXXX  that the charge account is being reported correctly with a {$0.00} balance since it had been sold to another party ( third party debt collector ). I have already received communication from XXXX XXXX XXXX ( the letter that was received was attached to the initial complaint, but apparently was not read by XXXXXXXX XXXX  prior to a response being provided to me ), stating that the balance that was placed on my reports by XXXX XXXX XXXX ( which had a balance tied to it and was not the {$0.00} charge off that XXXX still has on my reports ) would be removed after full payment. XXXX XXXX XXXX has already done its part and removed their account from my reports. XXXXXXXX XXXX HAS NOT. The {$0.00} charge off/collection account from XXXX XXXX is continuing to cause unjust hardship as the information is still appearing on all of my credit reports and is affecting me in a negative manner as it relates to my credit. The {$0.00} charge off that is on my reports from XXXXXXXX XXXX should not still be on any of my reports because it is not accurate since the charge off has already been paid. The information proving that is being attached again for reference along with reports showing the {$0.00} charge off/collection that is appearing on my credit reports from XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have report this account as fraud on my account almost 3 times in they have done nothing to help me resolve this issue, I have stated several times that when this credit account was made I was underage at the time I just recently turned XXXX in when I went to start to apply for credit I kept getting denied in seen on my report this account that Is fraud in have all the wrong information on they account literally wrong birthday, address, phone number so Im not even sure how they even processed my information with the wrong date of birth etc it is a charged off making it negative on my credit report it needs to be remove I have no knowledge which I keep stating.
Product: Credit card

I just saw a biking latter about an indigo credit card with my name on it. I HAVE NEVER OWNED A INDIGO CREDIT CARD NOR EVER APPLIED FOR ONE .. they are closed right now so Im going to call them in the morning. Reading online there has been multiple cases of this happening with this very same company. I found this website from the comments and to report this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus did not respond to my complaint according to the law. 
According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions. XXXX, Experian and XXXX, are reporting late payments on 2 accounts ( XXXX XXXX XXXX  XXXX # XXXX and XXXX XXXX. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumers to whom it relates. I never gave XXXX, Experian or XXXX written instructions to report anything to my consumer report, let alone these late payments. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure those consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
with the respective complaint id XXXX for XXXX  for XXXX XXXX and experian XXXX.
Product: Credit reporting or other personal consumer reports

During the months of XXXX and XXXX, I visited two dealerships with the intention of buying a car. They collected my information, and both confirmed that I was eligible to purchase a vehicle. However, after some thought, I decided not to buy from either dealership. Eventually, I traded in my car and added a small amount of money to get a new vehicle.

To my surprise, I now see four inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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: Bank account or service

A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit fair credit reporting act XXXX Account XXXXCapital One, has violated my rights. 

15 USC 1681 Section 604 States i have the right of privacy.

5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my without my writing instruction.

15 USC1666 : A creditor may not treat a payment on a credit card account under n open end consumer credit plan as late for any purpose.
Product: Debt collection

Covergent Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX Claiming false late payments In XXXX, XXXX & XXXX in which I did not have a written contract with my signature with your company nor XXXX. 
Did not report to all three credit bureaus. Account was closed in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX XXXXFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to send a notice of cease and desist on all communications. This is a notice to cease all communication both directly and indirectly on all mediums including credit reporting except that this company may only communicate with under the stipulations of responding to a cfpb complaint.
Product: Debt collection

I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX  of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!! 
I demand that the following accountS be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 5 late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Student loan

My complaint revolves around the severe financial, personal, and career consequences I incurred due to false and misleading information provided to me by Texas Guaranteed. For years I was making payment on loans of about $ XXXX with a monthly payment of {$300.00}. Around late XXXX I started falling behind as I received a severe paycut at my job of about 20 % due to loss of bonus at XXXX XXXX.I contacted Texas Guaranteed numerous times and each time they said I had already exhausted all options and there was nothing I could do. I was still paying though even if late. Eventually I could not keep up and tried to find another solution as lates were starting to impact my credit rating. No one ever returned my call. A few months went by and I finally gathered a few hundred dollars by selling off personal belongings. I called to try and make payments and I was denied. They wanted ALL payments that were past due. This was not possible as I had just a few hundred not thousands of dollars available. 
As a consequence I was advised to wait a few months because they had another solution for me. Their " solution '' come to find out in late XX/XX/XXXX was that they had filed for a WAGE Garnishment! They immediately started taking {$650.00} per month which was over DOUBLE my regular payment of {$300.00}. I called again pleading for help. They said this was the only route to reinstate a good standing and then conned me for MORE money. They said I had to pay another {$120.00} per month penalty as well. So all in for almost a year they took $ XXXX per MONTH. 
As previously advised I was already lacking enough funds prior to any of this. This lead to defaulting on all my credit cards as I simply didnt even have any money after rent and student loans and barely any food to eat. 
After a year they stated congrats you are back on track, we will remove garnishment. However they had ADDED nearly $ XXXX as a " Collection Fee '', So aside from wrecking havoc to my credit forcing me to default, losing 60 lbs due to near starvation, losing apartment and living in my van they ADDED $ XXXX after I had already been garnished/paid nearly $ XXXX! 
This damage continues to this day. My student loan is now being serviced by another but it reflects an LTV of over 130 %. This loan has been negatively amortizing even though Ive been paying for nearly 2 decades!!! 

I need all this investigated, fees/penalties removed, lates corrected and compensation for ancillary impacts such as credit decline, increased cost of borrowing, homelessness ( due to forced garnish ), and overall lying and stealing tens of thousands from me.
Product: Credit card

I was under the impression that my credit card was 18 months with 0 % APR. I check my accounts weekly and I saw that I had a {$200.00} interest charge on my Capital One account. I reached out to the company and they said no, you had 15 months And that ended in XXXX ( the interest was charged XX/XX/XXXX. I never received written communication with my exact terms and conditions with that specific promotion. I believe it is unfair to hold people to these lengthy promotions, and then slap them with 20+ percent APR all at once, youre going to create a huge financial crisis, as Im sure you know that the amount of credit card in the United States has exponentially increased. This practice should be looked into because I currently have multiple cards with similar promotions, and I dont believe any of them sent me a specific document outlining when I was going to be charged interest when this promotion was up, the only time its shown is in the advertisement. I believe this is something that should be implemented as these promotions are incredibly popular and promoted all over the Internet, and with a few clicks, you can get accepted on a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT SCORE XXXX. WOW and all with " we are here to help! '' Of course the LENDERS report as the lenders do the NEGATIVES IMMEDIATELY and EVEN THOUGH they have real time connection to incorrect information - they have XXXX to correcting wrong information-do they ; not SHOULD THEY ; RIGHT! THE SYSTEM WORKS FINE AND YOU KNOW WHY! YES, You the CFPB know this evil well but do nothing! A NUMBER OF INCORRECT POSTINGS AND IF AND WHEN THEY FINALLY REPAIR THEM NO GOOD! Then you have third party reporting and even when you have a number of complaints open about them they report wrong and then the case is closed immediately even though incorrect, full or misrepresentations and omissions and you allow this facade to continue. Then we have to actually hear " we are here to help! AND HOW WONDERFUL A CUSTOMER WE ARE. '' This is by opinion an ideal opportunity to destroy and get! Please by opinion a charade so enormousness it is beyond solution because its rooted in evil and no solution is possible unless you scrap all involved! Skip payments they never apply- withdrawals taken even when instructed not to via multiple legal notifications, omission, lies, deceit and no recourse! Yes by ones fruits!
Product: Credit card or prepaid card

My Barclays Bank XXXX silver XXXX showed fraudulent activity. I reported this online. The company closed out the card, although this was not clear on the website. When the card was declined, I called customer service and was told that replacement cards for myself and the authorized user would be sent and that they would be sent be XXXX XXXX This was complicated by the fact that I am at my summer residence. I thought that we had resolved everything. 

2 days later XXXX card arrived with my name ( no authorized user card ). I called and was told that the cards were shipped separately because that was the only way it could be done and the second card would arrive the next day. They also said that the cards would each have a different number so it was ok that I had activated my card. At the time, I didnt realize that both cards would be activated. I asked if the fact that the card had not been received but was activated would be a problem and I was told no. I changed all of my autopay accounts. The next day the second card did not arrive and my card was declined. I called again and the agent said she didnt know why this card was also canceled. I requested again that new cards be sent. 2 days later, a card came for the authorized user, but not for me. I again called, again was told card would come the next day. No card came. I called again and was told there was a glitch in the system. The problem was finally escalated to someone in security who agreed to send both cards together. They finally arrived, 10 days after this all started. The numbers on both cards were the same. It took XXXX phone calls to get the cards with extended periods of time on hold. Somewhere along the line, I was told I would be given a {$100.00} credit for my inconvenience. While this is not representative of the time and annoyance, it was a nice gesture. However, it has not appeared. What has appeared on my account was a charge for expedited delivery of my cards after I was told there would be no charge. This was removed, but required 45 minutes on hold. 

I was given misinformation on every phone call and what should have been a simple, although regrettable, transaction became a nightmare. I would truly like an explanation for all of this as well as credit for all of the time and inconvenience to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX  XXXX, OK, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ, XXXX
Product: Debt collection

There is INACCURATE account information my credit report that's not mine. I requested Credit Control Corporation to remove the collection two times by certified mail however they refuse to remove there inaccurate reporting. They have used information in my credit report to update data in there system. I have not received further response about removal of reporting.
Product: Student loan

In the past year my loan was paid off, I requested my original promissory note and loan agreement to be sent to me. I was told that this was not possible and they did not have to disclose that information to me.