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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XX/XX/XXXX
Product: Credit card or prepaid card

To the Capital One credit card department, I signed up for the Capital One Spark Business Visa to spend of {$50000.00} promotion and receive XXXX points. I made a few phone calls to Capital One customer service toward the end of the 6-month spending term. Over those phone calls I was given different information on each phone call. Except for one item. The fact that the full XXXX bonus would be earned. 

There were a few issues that led me to know that I met the spend & would receive the entire XXXX points : 1 - I didnt receive my credit card in the mail until XX/XX/2019, essentially the spending promotion should go through that date. 

2 - per the phone call on XX/XX/XXXX XXXX XXXX  EST with XXXX in XXXX Florida he stated, call in closer to the spending date to obtain more time to meet the spending requirement as that has been the standard & Capital One will give you additional time to meet the spending requirement. 

3 - XX/XX/XXXX XXXX XXXX  I called in to see where I was at for the spending. On this phone call the representative was calculating my current spend & she told me everything was alright & that I had spent enough money to meet the spending promotion. 

4 - The most significant issue of all though is Capital One did not provide a tool to properly track spending for the promotion for customers or the customer service representatives attempting to answer this question. Each time I called in the amount the representative gave me was different than what I was calculating at that time. They didnt have a tool themselves & were manually calculating the spend themselves. Which resulted in me understanding I had completed my spend per representatives directly telling me this. Moreover, when downloading to a csv file Capital One previously only allowed 60 days to be downloaded at a time, that makes the calculation process difficult. I now see that Capital One added the feature to download 25 months. I highly appreciate that. 

I will highly appreciate Capital One adding the missing XXXX miles to my account. 

I attempted to contact Capital One via mail twice & it appears they didn't even really read the letter I included above.
Product: Credit reporting

My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XX/XX/XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. The account is currently still listed under collections and has an " open '' date of XX/XX/XXXX. It is also listed under public records as 'Filed ' but nothing indicating it as closed or paid in full. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a house and i noticed a car loan from XXXX on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and this complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found inaccurate. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 



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
Product: Debt collection

About a month ago I received a bill from XXXX XXXX XXXX, stating they had forgotten to charge me {$45.00} for my daughter 's XXXX. I sent out a check for {$45.00}, which XXXX XXXX XXXX cashed on the XXXX of XXXX, 2017. XXXX XXXX XXXX then fraudulently reported me to Universal Recovery Corporation. I took a copy of my cancelled check into XXXX XXXX XXXX along with my collections notice, and they told me it was a mistake on their part, and they were working to correct it. While at XXXX XXXX XXXX, I called Universal Recovery Corporation to confirm this. They said they recived no information from XXXX XXXX XXXX clearing the fraudulent claim. I then requested to speak to a supervisor. The supervisor " XXXX '' got on the line and was instantly combative with me. She tried to antagonize me into a verbal fight, and when that was n't working she hung up on me. I had n't screamed at her, I had n't cursed at her, and I had n't threatened her. I called back to try and resolve the situation, she again was combative, and tried to instigate a verbal fight. She then lied to me, and said her company had only called me once. They have called me 3-4 times. She also said if I continue to call her she was going to call the police on me. Again I was n't screaming, cursing, or threatening her. Now I do n't know what to do. I did nothing wrong, and was fraudulently turned into collections by XXXX XXXX XXXX on XXXX/XXXX/XXXX. Now on XXXX/XXXX/XXXX the collection company, Universal Recovery Corporation told me if I contact them again they will call the police on me. I have always paid my bills on time, and have no idea what the next step for me to take is. Even if I wanted to pay the {$45.00} debt, I do n't owe, I ca n't contact Universal Recovery Corporation, or they will report me to the police, as supervisor XXXX stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and XXXX personal loan accounts is listed on my Trans Union, XXXX and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX  XXXX
Product: Debt collection

Experian, XXXX and XXXX is reporting a fraudulent account .XXXX XXXX XXXX  XXXX DATE OPENED : XXXX XXXX {$450.00}. I request debt validation and verification letter. I file a identitytheft etc XXXX .. XXXX XXXX  XXXX XXXX ( XXXX  )
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer to XXXX on XXXX/XXXX/XXXX for {$5000.00} when XXXX listed their incoming wire transfer services as working properly. I have not been credited the {$5000.00} still. They disabled online help requests since I have initiated the transfer and do not pick up the phone.
Product: Credit card or prepaid card

My name is XXXX XXXX. I used my Navy federal credit card at XXXX XXXX and nail shop. When I realize the card was lost, I advised Navy Federal and reported the card lost. They are they told me I owe {$5100.00} plus {$20.00} or XXXX XXXX of the outstanding balance, whichever is greater. I only made two charges the XXXX XXXX change and nail shop charge. Navy Federal policy is that if you didn't have the change the have a XXXX Liability policy ensures that you won't be responsible for false charges toy your account. That are not following there policy. They also tacked on extra {$2000.00} to the bill. This is unacceptable. I have tried calling them they won't even answer return the call. They just want to talk via I message. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.
Product: Credit card or prepaid card

On XX/XX/XXXX, per Customer Service email, I was granted an extension on a promotional purchase plus waived several payments due to the Covid crisis. The extension on interest charged was given until XX/XX/XXXX. I checked in XXXX with a customer care representative and that the extension was good and informed that person I would be making the payment in XXXX. I called to make that payment and the dollar figure that I was given and was informed that extension was not granted and that I owe the interest accrued of over {$2000.00}. I have since tried to contact JCP/Synchrony Bank on several more occasions to resolve the problem and to payoff the promotional balance and am being told there is nothing to be done to waive the interest. JCP/Synchrony has not acted in good faith and have reneged on their offer. I have an email from XXXX to support this fact.
Product: Credit reporting or other personal consumer reports

This inquiry has been reported to authorities as part of an identity theft report. 
I didnt authorize this pull of my credit report and dont recognize this account.
Product: Debt collection

I received a call on XX/XX/2021. I want to settle my account for XXXX with XXXX XXXX and XXXX XXXX XXXX  Yes, will you send me a letter? 
I never received the letter from XXXXXXXX XXXX on the settlement. I checked my credit report from XXXX it has the same information from XXXX XXXX and XXXXXXXX XXXX. I called XXXX and explained. I Asked an XXXX person to check the XXXX XXXX XXXX and see that I had paid a settlement for {$370.00} on XX/XX/2021. That LVNV was going against the fair credit and had in the collection. XXXX removed LVNV immediately. I tried to do the same with XXXX and XXXX. I and in the group for {$550.00} with LVNV. 
I have had three disputes, an extension, and hired an attorney with XXXX. You can see it on XXXX. Credit Report under XXXX. The settlement with XXXXXXXX XXXX  and XXXX XXXX. Not sure why no one has looked at this a little closer. 

Thank You
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inaccuracies on my account. One particular account is negatively affecting my ability to obtain credit. I understand that you are responsible for investigating such discrepancies to ensure the accuracy of my report. 

I am requesting verification of the following account : Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

I requested trafficking victims rights from equifax, my creditors and a the XXXX XXXX XXXX XXXX I sent my victims case numbers from DOJ. letter from the attorney genrel for me, XXXX letter and hr XXXX bill and drivers license. Each organization just pasted me from to the other org. saying they couldn't make the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX report and a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX BANK XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

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

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Credit reporting or other personal consumer reports

I disputed the incorrect personal information with the XXXX consumer reporting agencies XXXX, Experian, XXXX XXXX in XX/XX/2024. They are reporting incorrect names, addresses and employment. I am requesting my information reports correctly on my consumer reports with XXXX name address and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at XXXX  on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX  credit report : XXXX XXXX XXXX open date XX/XX/XXXX amount {$7200.00} account # XXXX. " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. XX/XX/XXXX at XXXX  about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account. On XX/XX/XXXX I spoke with XXXX about an unauthorized account " XXXX XXXX XXXX XXXX  '' open date XX/XX/XXXX account number # XXXX closed account.Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my credit report
Product: Credit card

I applied to Discover for a personal loan.. 
( They do that now ) I was surprised that I was denied I press the button for info on why I why denied. It stated an issue with a Discover card in XXXX In XXXX I was close to death And my criminal brother illegally used my credit cards. When I started to recover I Made a police report and every credit card company reversed or dismissed the charges. Discover card dragged me through court even tho I could barely walk And LOST. Now they are denying me a loan and possibly negatively effecting my over XXXX XXXX XXXX with a loan denial Because of a case that they LOST 13 years ago??? Even if Lost NYS statues of limitations is 6 years. My main concern is damage to my credit rating because of a case 13 years ago that they LOST in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  XXXX XXXX Balance : {$40000.00} ; XXXX XXXX Balance : {$41000.00} ; XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$470.00}
Product: Debt collection

Mid XXXX, I received a call from the local sheriffs dept about debt collection paperwork needed to be served. I received the paperwork, it ended up being court looking documents, signed by an attorney. I submitted a letter back to them as well as to the court that served me the papers. I received a call from the court saying the company hadnt even filed the documents with the courts. The document was fake. They received my request for documents on proof on XXXX and I have yet to receive anything back. The law firm was Rodenburg Law out of XXXX, ND. 

Another company had me served with the same fake document XX/XX/16 for a different debt. The law firm is XXXXXX/XX/XXXX XXXX out of XXXX, MN. 

Both documents state if I do not respond within 30 days that judgment by default may be taken against you. I plan to send the same proof of debt notice to this company. But after reading into the FDCPA, it seems this is a definite illegal process.
Product: Mortgage

Flagstar Bank was our mortgage servicer from XX/XX/XXXX to XX/XX/XXXX. Flagstar Bank claims to have sent an escrow surplus check to our address in the in amount of {$3300.00} during the month of XXXX. We did not receive a check. Upon reviewing my new mortgage statement with XXXX XXXX XXXX XXXX, I noticed there was a discrepancy in my escrow balance. I contacted Flagstar on XX/XX/XXXX and was told there was nothing they could do as they issued the check. I requested proof of check from the Flagstar representative and was told that I needed to contact XXXXXXXX XXXX. XXXX XXXX  did not know what I was talking about. I'm concerned that Flagstar misplaced or is illegaling holding onto my escrow funds.
Product: Mortgage

my original 2nd mortgage was with XXXX XXXX but they had filed for bankruptcy. By letter dated XXXX XXXX advised that effective XX/XX/2020 I was advised that Shellpoint Mortgage Servicing would now service my loan. Made XX/XX/2020 payment and by an undated letter from Shellpoint I received my loan info including new loan number and balance. On XX/XX/2020, I contacted Shellpoint ( also known as New Res ) to inquire about bill to pay mortgage and was told a payment coupon should have been included with undated letter but it was not. At that time I asked for a pay-off figure for my mortgage thru XX/XX/2020 and the CSR took my info including my e-mail address and said I would receive the figure via e-mail within 48 hours. I did not receive my pay-off figure as indicated and called back on Thursday XX/XX/2020 I called and went thru same process of requesting pay-off and was told I would receive via e-mail. I also completed an on-line request for a pay-off figure thru XX/XX/2020 and it indicated I would receive figure within 5 days. Since I did not receive requested pay-off I called again ( XXXX ) and spoke to a CSR who stated that there was no record of my requesting a pay-off figure. I told what the previous CSR told me regarding receiving pay-off w/in 48 hours and she said why would they tell me that when she alleged it would take 5 days. I told her the CSR works for Shellpoint so go ask them. She apologized and again took all info and said I would receive via e-mail within 5 days. Since my first request was XX/XX/2020, I should have received it 4 days ago. Since apparently they are a collection agency I believe they delay providing the pay-off figure so they can make more money holding the loan.