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

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA,  FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law has not produced any credit repair corrections since approximately XXXX. Even very simple ones ( a mortgage that was not foreclosed, but is marked foreclosed ) has not been challenged or corrected. Despite this, they have charged me every month for " credit repair '', yet no credit reparations have occurred since XXXX. Furthermore, they closed my account for " non payment '', even though the payment is shown in my transaction history and on my credit card statement. I made an inquiry on my " case progress '', but they refused to provide service because the account was " closed '' when it up to date and in good standing.
Product: Debt collection

I received a summons to report to the XXXX XXXX XXXX XXXX, City of XXXX XXXX court on XX/XX/XXXX at XXXXXXXX XXXX LVNV Funding LLC Case Number # XXXX The plaintiff is trying to collect the sum of {$1100.00} on a XXXX  XXXX XXXX  Credit Card that I applied and was approved for in XX/XX/year>. 
I was making regular monthly payments on the XXXX XXXX XXXX  XXXX when I encountered some hardships and couldn't keep up with the payments. I did speak with a credit rep from the above-mentioned company where I could set up a payment plan. I made as many payments as I could, it became a struggle for me to make payments. 
I don't feel like that I owe this XXXX  party company any money because they bought my information from XXXX XXXX XXXX. I do admit that I owe XXXX XXXX XXXX, but if they sold my account to another company, I no longer owe XXXX XXXX XXXX  and I Do Not Owe LVNV Funding LCC. 

I had and is now currently having financial struggles. 

Thank you for your time and patience, Looking forward to hearing back from your company.
Product: Debt collection

Last week a debt collections account appeared on my credit report from an XXXX apartments in XXXX, Texas that was sent to Columbia debt collections llc. 

An apartment was rented by fraud in my name. I have lived in the XXXX area for the last 10-11 years and before that I lived in XXXX 

They told me the apartment was rented from XXXX of XXXX to XXXX of XXXX. As stated above I lived in XXXX during this period and still do. 

The amount is {$20000.00}. Plus interest of {$440.00}. Total of {$21000.00}.
Product: Credit card or prepaid card

Capital One owes me {$850.00} but refuses to send me a check I can cash. 
I have had 3 credit cards with Capital one for years. Never late, never over limit. Then a stranger got 2 of my cards and ran up charges for 3 days. You never think it will happen to you. To be safe, I sent in payments of {$1000.00} to each card. When the dust cleared, I had an {$850.00} balance overpaid on one card. That was last XXXX. 
It took months, but Capital one finally sent me a check, but it was made out only to my business. The card had both my name and the business name - statements also carried both names. I am XXXX, on XXXX, and retired 2 years ago and closed the business. I didn't really think about the cards. My bank will not accept a check made out to a business that no longer exists. I had told XXXX XXXX about this during the fraud investigation. I have, now, called 4 times the last 4 weeks as I was promised a check in my name over a month ago. Capital One owes me {$850.00} for 6 months, now. If it was them, they would be charging me interest and destroying my credit ( which is 780+ by the way ). Their trained monkeys just can not seem to deal with this properly even if I stay on the phone for 30 minutes. I returned the original check to Capital One a month ago. I want my money back!!! 
I am tired of calling and getting trained monkeys who either can't figure out that I am owed a check or claim that my " record '' is not clear that they owe me a check. XXXX XXXX - XXXX, ext XXXX - Promised me a check in my name well over a month ago.
Product: Debt collection

The account has a last active date of XX/XX/2014 and was satisfied. The account is also out of the 7 years of statute.
Product: Money transfers

PayPal signed me up for their Online Credit unknowingly. I was making a payment for my eBay order the way we normally do. But this time PayPal tricked the interface by opening XXXX windows and had me clicked XXXX yes/no 's, the interface was so confusing and misleading, it appeared that I was making normal payment for my order and PayPal was asking some additional questions to validate my identity. The fonts were so tiny and interface was so misleading that no one would come to know that PayPal was actually gathering DOB and last XXXX digits of SSN for credit approval, they were basically tricking me. 

I am closely monitoring and maintaining my credit score. I dint wanted any hard inquiries on my credit w/o my approval. But PayPal had fraudulently invaded my privacy. That is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I request XXXX XXXX to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

XXXX XXXX is ordered to remove all incorrect information documented in this report. If it is not removed within 14 business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX 2. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX XXXX. XXXX credit card XXXX charge off 5.XXXX XXXX XXXX XXXX XXXX XXXX They are reporting DLA of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me. 
All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Experian, case # XXXX, dated and received XX/XX/XXXX shows to problems : 1 ) Unauthorized co-applicant for a credit report. My ex-husband shows as a co-applicant/spouse on this report ; I did not nor have I requested a joint/co-applicant credit report with him since our divorce in XX/XX/XXXX. This report includes detailed information about accounts that are his only. I do not want any credit reports or inquiries to include any of his information or accounts. 
2 ) XXXX unauthorized inquiry dated XX/XX/XXXX. I did not nor did any vendors serving me request or authorize this search. As part of my own due diligence I called XXXX as well as all of my vendors ; my vendors said they did not request the XXXX search. They also said it is not a part of normal business practices.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report in the mail that you sent out with the investigation results that you were not able to verify correctly. I noticed Inquiries on my report that werent granted permission to post on my credit report. I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have I given any third-party consent to furnish a report. I am sending this on my own behalf. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX
Product: Checking or savings account

Transaction : XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX # XXXX ) XXXX NY XXXX Transaction Date XX/XX/XXXX XXXX XXXX ET Posted On XX/XX/XXXX Transaction Type Debit Card Purchase Card Number Ending In XXXX - {$110.00} I originally called I believe on XX/XX/XXXX to dispute this charge. I did not nor have I recently placed any orders through pcrichard.com nor have I visited a XXXX  XXXX XXXX. Especially not in the middle of the night. The original representative said they would take care of this. What they didnt do, was close my account and issue a new card I did this on my own as well. This was a fraudulent charge and this should have been the first call to action. 

I then received a letter in the mail a week or so later asking me for information about the transaction, which I dont have since I did NOT make this purchase. I immediately called and spoke to another representative who said that I should ignore the letter and that Citibank would investigate. I distinctly remember the representative asking if I would call the retailer. To which I said, I prefer if you handle it. For the monthly fees I pay for the account, I think its the least that can be done. 

XX/XX/XXXX, I was looking at my account to see if the charge had been resolved. And it HASNT. After being on hold for a long time, the representative said the second person was wrong, and since they never received the letter with the additional information ( that I cant provide ) the case has been closed. I am asking that the case be reopened and resolved asap. I will try calling the retailer, but I dont have any of the transaction information, besides the date, debit card number and amount ( as above ). 

I spoke with the retailer, XXXX XXXX, and the order ( # XXXX ) was for an XXXX XXXX XXXX ( something I have not ordered ) and was shipped to an address in Florida ( I definitely did not gift purchase anything of this nature ). My address and the ship to address were both blacklisted in their system. However, I can not get name or address without filing a police report. And since the items was shipped and received, the retailer can not refund me the money as they can not get their merchandise back. The onus is on Citibank to help. 

XX/XX/XXXX, spoke with another citibank representative who kept telling me that the case is closed and can not be reopened without a letter ( after me telling her that I faxed two letters ). She then stopped responding ( either intentionally or because of technical difficulties ). I called back and spoke to another representative who said that my faxes were received but it would potentially take up to 120 days to reopen the case. I find this reprehensible and unbelievable frankly. Thank goodness I'm not in dire need of my moeney ( which has been stolen from me ). Now it's the waiting game. I've been a customer for over 20 years, and I'm most likely going to switch banks.
Product: Credit card

I was attempting to make a purchase from XXXX XXXX today for a flight. There was a promotional offer for a Citi card. The deal was that if you opened a Citi AA Advantage card, you would have a {$400.00} statement credit. I applied within the portal and was approved for {$4100.00} limit. Then, when I went to complete the purchase, it wanted the card info which I did not have. I contacted XXXX XXXX and was told that I was supposed to have been emailed a temporary card # and to contact Citi. I contacted them and was transferred between multiple departments, none of whom could help me. I was told it will be 7-10 days before I can proceed. I cant wait 7-10 days to book the flight. This is a deceptive practice because it is an offer to open a card which is impossible to use if you have to wait 7-10 days. Most people can not wait that long to book a flight and flight prices or availability can change during that time. This deceptive practice leads to a consumer who opens a card but yet doesnt get the benefits offered ( {$400.00} statement credit ). This process may be intentional in order to increase the amount of credit cards opened and yet avoid paying benefits that were advertised. No one at Citi bank has been of assistance through multiple attempted contacts.
Product: Credit reporting 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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last year I have decided to close my Coinbase account. The option to cash the account wasn't available so I have asked the company to cash in full my account, close it and erase all my personal data. The company refused to cash my account saying that I need to connect my Coinbase account to a XXXX because they will not cash my account via my debit card. I have raised a complaint with Coinbase since there wasn't any way to connect a XXXX account. They have totally disregarded my complaint with the attachment of the same email saying that I need to create and connect a XXXX account. I have then raised the complaint to the XXXX Financial Ombudsman which refused to take this complaint since Coinbase hasn't [ known as CB Payments in the XXXX ] apply for full regulation within the e-money in the XXXX. Again, I want my account to be cash-out within my debit card and then my account to be fully closed and my personal data to be erased from any Coinbase database
Product: Credit reporting, credit repair services, or other personal consumer reports

On both my XXXX  and Experian reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XX/XX/XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to XXXX and Experian. Please help. Thanks in advance.
Product: Debt collection

I received a notification from my employer that my wages were being garnered. The debt was purchased off another collection agency and I was not made aware or served with paperwork before this was garnished. This debt is also over 12 years old and the case it is being brought up on states it is a closed case on the court website. Not only that in Ohio it states that if no funds were paid in 10 years that the debt is void, which this is as the case is from 2005. I was served no paperwork and this should not be legal. XXXX XXXX XXXX c/o XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number XXXX : ( Private SSN ), Consumer Date of Birth : ( XX/XX/1982 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at under the XXXX XXXX XXXX  account number ( XXXX ), account opened XXXX under the account number XXXX ( private ), consumer FICO 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 accountsnd hard appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the 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 are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit report. Despite the deletion of an account due to inaccurate and unverified information, it has reappeared on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, all data on my credit report must be accurate and verified. I have previously disputed the accuracy of this particular account and it was deleted from my credit report as it could not be verified. However, it has now resurfaced, indicating a failure on the part of the reporting agency to comply with federal law. 

This inaccurate and unverified information is having a detrimental impact on my credit score and financial well-being. It is imperative that this issue be rectified promptly to ensure that my credit report reflects only accurate and verified information, as mandated by the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the reporting agency responsible for the reinsertion of this disputed account on my credit report. Additionally, I urge you to ensure that all three major credit bureaus are made aware of this discrepancy and take necessary steps to correct it. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance in this urgent matter. 

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

I have contacted XXXX formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with XXXX formerly XXXX has been settled and closed, but is still on all 3 of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. 
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 

1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )