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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX and made regular payments up until XX/XX/XXXX. At that time I enrolled with a debt consolidation company to attempt to resolve/combine my bills into 1 monthly payment. XXXX XXXX XXXX XXXX was contacted by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/XXXX, after other debts were paid off, to negotiate a settlement on this debt and XXXX agreed to a lessor amount than the original loan amount. My credit report is showing the status of this loan was a 'Charge Off '. This is not correct, as they are receiving payment each month against the debt. They agreed to the lessor amount so should not show as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section ^02 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open consumer credit plan as late for card purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is being reported inaccurately on my Experian credit report. 

XXXX appears on my Experian credit report inaccurately and can not be validated. A violation of federal law. 

XXXX is being reported without any permissible cause, no credit or loan was awarded but is still being reported as accurate. This is a violation of FCRA rules section 1681.
Product: Debt collection

I am being continuously contacted by First Credit Services. I spoke to a company representative on XX/XX/2023 at XXXXXXXX XXXX CST I told the representative to Cease and desist all calls at that time and have still been receiving calls continuously after the fact. The debt that they are trying to collect I do not owe and have reported this to the Federal Trade Commission as well as the XXXX XXXX XXXX. The company that First Credit Services is trying to collect for used shady business practices for an auto renewal contract to scam me. I was no longer able to use their services due to a XXXX and the company refused to refund me the money for a membership I had not used in over a year. I will be taking legal action to recover the money I am owed if necessary. I am providing this notice to First Credit Services to cease and desist phone calls to myself again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding allegations of fraudulent charges regarding JP Morgan Chase Bank account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, XXXX and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report of a burglary which resulted in my identity theft back in XXXX. The company still have not deleted the wrongfully-reported debt of {$2400.00} in XXXX.
Product: Credit card or prepaid card

Someone else has my debit and credit cards on their phone that are not me! They are illegal immigrants or are on the run from XXXX California. They try to use my kids and my money for crypto currency. They act like me and them re fmily but really I do not like them or their company! People that goes to my kids home will get burglary charges and other charges too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm on my third dispute resolution for the same problem with the XXXX company. Both XXXX and XXXX resolved my dispute in my favor on the first request. It seems that XXXX is unwilling to contact XXXX XXXX regarding the information and dates I have provided them, and rather checks only with the collection agency, Eastern Account System. To no ones surprise, XXXX continues to say I owe a $ 52 monthly charge that was billed after I closed my XXXX account. 

The dates in question are as follows : On XX/XX/2021 I called XXXX XXXX and closed my account. I also turned off my autopay feature online on that same date. I was told and got a subsequent email to the same effect that my account closure would be immediate, as in that same day. My autopay billing cycle each month ended on the XXXX, and since XXXX bills a month in advance per their statements and website, I was paid up through XX/XX/2021. I was told on this same phone call to pay the {$10.00} termination fee which I did online. 

While traveling the following month I received a bill for {$52.00} for another month of service from XXXX XXXX, and by the time I returned I found out it had been turned over to Eastern Account System for collection. I filed disputes with all three credit agencies and XXXX and XXXX deleted the inaccurate charge from my credit report upon my first request, but XXXX for whatever reason seems to have no interest in doing so as well. 

I would greatly appreciate your assistance in getting XXXX to carefully review my complaint and invalid charge with XXXX XXXX and ask them to remove this entry from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
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. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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: Mortgage

My loan was recently acquired by this company and completed a trial Loan Modification with my previous lender. It is now approaching 60 days I still have not received the final documents.I have been on hold trying to speak with a representative for the past 3 hours. I finally got someone to answer the phone and she said that she needed to transfer me to another department. Once I was transferred I waited another hour and was then I was told that It is not my fault that you have been transferred to the wrong department and the she transferred me again! I didnt get a word in! 

This is unacceptable! I am confused as to how customer service representatives are able to disrespect customers this way. I have been patient and respectful and NO-ONE should be spoken to like that. 

I am requesting someone to get back with me on this asap. I can not believe how poor the service is with this company!
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Checking or savings account

My debit card was stolen around beginning of XXXX. On XX/XX/2024 I called NetSpend and blocked my card on the automated system. The agent on the phone told me of the unauthorized transactions at XXXX XXXX XXXXXXXX. The agent filed a claim for me over the phone. Then I was told to send an email to NetSpend with the claim number, date and that my card was stolen. After I sent the email, on the XXXX business day I learned my claim was denied. How could it be denied if my card was stolen from me? I don't know who took my card. I never gave my card to anyone. I don't bank with XXXX XXXX XXXXXXXX. And I don't have any one else on my account. I called a lawyer to see how I can catch the criminals that took my bag and card and he said I'm not responsible for fraudulent unauthorized transactions. My money is gone without my consent and I have to pay my bills or I'll be homeless. This isn't fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I decided I would pay my balance due of {$490.00} early to get it out the way. My payment was not due until XX/XX/2023 of every month. On XX/XX/2023 my payment of {$490.00} was returned due to payment account issues which is my fault I take accountability for accidentally clicking the wrong card to pay off my balance. It was unintentional because I have tried to use my work XXXX XXXX XXXX card my very first time to pay off my balance and it was returned immediately which resulted in me paying my balance with my XXXX XXXX debit card which I had intended to do so if my rapid pay debit card didnt go through. So fast forward to XX/XX/2023, I was going to pay for something quickly my card declined resulting me to check my application and did not notice this issue until I logged onto my capitol one application on my cellular phone. I quickly made a call to XXXX and was told I can pay it off before XXXX and all should be fine. My account wasnt permanently closed until after they confirmed my payment of {$490.00} on XX/XX/2023. Mind you I was never mentioned that they would close my account the only thing my account on the application said that it was restricted. I am frustrated because I understand I might have violated their terms in their words as they said but it shouldve not result in me not being able to get approved by any credit card company. The capitol one representatives let me know I am able to apply for another credit card but am not guaranteed an approval again. I have tried since then to apply again and was denied. I also applied for an XXXX credit card and was denied because of my credit. I am reliable and I made this mistake two times only. I am a single mother and work full time. I just want this resolved so I am able to apply for another credit card in the near future. I am not in debt, I knew my responsibilities and I was just being cautious so I wanted to pay early but I made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit report and seen an inquiry I did not make. XXXX XXXX, 2017.  Marlette Fund XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress XXXX, Transunion nor XXXX has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that Transunion, XXXX, XXXX has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX XXXX XX/XX/XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Certified Return Receipt # XXXX Re : Late Payments Dear Capital One, I have been a loyal and proud consumer of Capital One products and services for over 20 years. With that being said, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to ( 15 USC 1666 ( B ) ) 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 section 1637 ( B ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Pursuant to ( 15 USC 1602 ( L ) ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
With regards to ( 15 USC 1602 ( L ) ) there is no such thing as a late payment because the account was paid in full the moment my credit card ( My SSN card ) was accepted. 

I NEVER DELIVERED, Capital One or XXXX any written instruction to furnish any information on my consumer report which is a violation of ( 15 USC 1681 ( B ) ). Capital One and XXXX has caused severe stress, XXXX  & financial hardship due to the abusive and unfair practices. 

The good thing about being a loyal Capital One consumer of the products and services offered is that in the past when I had issues in relation to my accounts, Capital One has gone above and beyond with excellence customer service to provide me with resolutions that were favorable. I feel comfortable saying I know this situation will be no different! 

These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAID or PAID AS AGREED : Personal : XXXX I was never late on ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) on this account please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report, and I request that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that XXXX will recheck these items with the Capital One who has posted them. 
Please remove any information that the creditor can not verify. I understand that under ( 15 USC 1681 ( I ) ( A ) ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 an account without my writen instructions.
Product: Debt collection

Told the law firm that I did not want to be contact about this debt but they sent another letter.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX/2023
Product: Student loan

I submitted my PSLF employment certification to Mohela on XX/XX/23. On XX/XX/23 I sent a message asking about my form being listed as processing instead of processed. ( In XXXX I sent the same form and it was processed in 2 weeks. ). They responded with " Please allow up to 30 calendar days for processing to be completed. I still have not received a response. 

On XX/XX/23 I sent another message asking about my pslf form as well as what I was supposed to do as repayment will start soon and I've already met my " quota '' of 120 months and being put back into repayment doesn't really make since. It is XX/XX/23 and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act, XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Credit card

We will not stop submitting complaints unti l Capital One p rovides us with a way to resolve this issue. The options they have provided are not options we have.  Savings account s do not have checks or pre printed deposit slips and therefore we can not provide something we do n't have. We keep getting the same response even though we have told them we are unable to provide something that we can not get. They do not give contact numbers and are not providing a way for us to clear the fraud alert off our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MEDICAL DATA SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has XXXX my rights. 

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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS AN ACCOUNT FROM XXXX XXXX XXXX Account Number : XXXX FOR {$11000.00}, IT'S FRAUD AND I DID NOT AUTHORIZE OR REQUEST AUTHORIZATIONS OF THIS ACCOUNT LISTED IN THIS REPORT. MY INFORMATION IS COMPROMISED. THERE HAS BEEN SEVERAL ACCOUNTS THAT BEEN ATTEMPTED TO OPEN WITHOUT MY AUTHORIZATION, AND HAS BEEN INSERTED INTO MY CREDIT REPORT WITHOUT PROPER VERIFICATION. IT IS UNLAWFUL ACCORDING TO THE FCRA AND A VIOLATION 15USC1681. IM DEMANDING FOR THIS ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT VIA EXPERIAN, XXXX, AND XXXX. THIS IS HIGHLY AFFECTING MY LIFE AS AN INDIVIDUAL THAT'S TRYING TO PROGRESS THROUGH MY FINANCES. I'VE EVEN FILED A POLICE REPORT AND AND FTC REPORT TO ONLY BE IGNORED. THIS IS UNPROFESSIONAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( Equifax, XXXX and XXXX ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.