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

The Kohls store card is managed by Capital One. Kohls/Capital One is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Kohls/ Capital One is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Kohls/ Capital One has not been able to refute this information/ laws. Instead Kohls/Capital One has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Kohls/Capital One stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Capital One use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Capital One is the fiduciary debtor.

Therefore based on my various written requests via certified mail Kohls/ Capital One should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Kohls/ Capital One account is not delinquent and the balance should have already been set to XXXX  as these requests have been made over 60 days ago. Kohls/Capital One also violated 15 USC 1666b by reporting the account as late and refusing to remove the late fee. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax when identifying a consumer asks for all credit card info and then picks one it wants. all bank cards named and then says that is the one, instead of multiple choice like other 2 bureaus. it is nuts. i have 28 cc and 5 bank lns. to name them all from memory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$22000.00} XXXX   XXXX  XXXX {$440.00} XXXX XXXX {$1500.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1100.00} XXXX XXXX {$830.00} XXXX XXXX {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you today because I feel that TransUnion, XXXX, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that there are a lot of items being reported improperly. I've been working diligently to get a home and all of these accounts are falsely reported. The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. Please investigate every account and its validity, I need this home and vehicle but these misreported items are solely hindering that.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXr # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 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 15 U, S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Capital One bank auto system for balances is not going threw and it puts me on hold for 45 min or longer to speak to some one. I don't have 45 min or longer to speak to some one. I want the automatic system. Capital One Bank was paid off in full on XX/XX/2020 I tried to check my balance after paying the balance on the statement and calling to make sure there is a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation. 

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am the owner of the phone number described in this complaint. I have been continually harassed by Portfolio Recovery Associates, Inc. 
Portfolio Recovery Associates, LLC ( PRA LLC ) XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX www.portfoliorecovery.com I have written to them and told them many times during their harassing phone calls to stop calling. The use a number " spoofer '' to generate a new caller ID every call to evade attempts of the receiver to block their completely unwanted calls. I have kept a daily log of their activity, although it is challenging since they use a different caller ID each time. The number they are calling is a business number.
Product: Checking or savings account

Chime closed my account on XX/XX/2023 after placing security measures on my account which I was already in the process of getting removed then they asked for my needed documents from the IRS such as my 1040 and acceptance of get my money back from them which the IRS says they didn't even need because they should see where the money is coming from. Then they say after getting all the needed info they cant give me back my money because of loads in my account which I don't even know what that means. But apparently my 1040 should be enough along with proof of address and ID which I have sent them. But they still wont give me back my tax refund money which I need for rent and such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 FEDERAL TRADE COMMISSION oXXXX XXXX XXXX  XXXX to file a 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
Product: Prepaid card

Hello there, I received a gift card for XXXX I didn't use it right away. After the XXXX XXXX I tried to use it, it doesn't work call the customer service line, they said no it's OK try again. I tried it again it didn't work I made a account at American Express.com, American Express gift card.XXXX because they're not the same thing that didn't work. I called the customer service again that didn't work they said the part was OK try it again. After trying all day today and yesterday I think they're just trying to frustrat me so I stop trying. Any help Will be appreciated. 
Thank you XXXX XXXX
Product: Debt collection

I received communication from XXXX XXXX about a debt from XXXX on XX/XX/18. I immediately called as they are not the first collection agency to contact me about this debt to inform them this is not my debt. I was unable to speak with anyone in debt about the account because my information didn't match the information they had on file. I explained that XXXX closed the account and was sued for collection attempts and as they were 100 % aware it was a fraud account and the debt is not mine, no signature, not the correct address and i was able to prove to them it was opened under fraud circumstances, etc so I have no clue why they sold a bad debt to them, The lady stated all they can do is cease communication nonetheless the account has appeared on my credit.
Product: Student loan

I submitted my documents for renewal of my XXXX plan on XX/XX/2016 and again on XX/XX/XXXX. This one I sent directly to an agent who had sent me an email ; ( I was later told by the Dept. of Education Ombudsman 's office that she is an advocate -her name was XXXX XXXX XXXX ) My documents were ignored and no attempt was made to inform me as to whether the documentation I submitted was correct or not. Sometime during the second week of XX/XX/XXXX, I contacted Navient 's Customer Advocate 's office and an agent claimed to not be able to find the documents which I submitted using the provided email address. I also told her the name of the person to whom I submitted the documentation ; still claimed not to be able to find my documents. She advised me to upload the documents directly to my account ; which I did. I still had no response. I contacted the useless and powerless Ombudsman 's office and was told to contact the advocate 's office again. I used the number they provided, which I had used to contact Navient 's advocate department before and when I reached the intake person I was told that I had not reached the advocate 's office ; she claimed not to know whether there was an advocate 's office and then told me she would have to transfer me to an " Account Specialist, '' which I was n't going to tolerate so I hung up, called the Ombudsman again and confirmed the number for Navient 's advocate department. Now, using the same number again, I called and reached the same person. I told her I had spoken to the Ombudsman and I knew that I was talking to someone in the Advocate 's office after she again attempted to deny that is the department I had reached. After telling her this, she changed her story and then said that she routes calls to the " appropriate '' department depending upon the type of account. ( We have a private loan with them that we can afford to pay and this is part of their tactic to harass us ). This time I got an advocate ; he stated that I had to submit additional documents, which I did while I had him on the phone. He said they required the frequency of payment for the income information I submitted for my husband ; I told him what it was and submitted an additional pay stub. I requested his directly line, which I later called to ask how to submit additional income information from a Section XXXX rental ; he never returned my call. I also requested a forbearance but he did not take care of that despite telling me he would. 
Navient, has placed negative information my credit, which I also informed the advocate of and he said he would take care of that, due to their errors in not acknowledging these documents or the forbearance request ; they placed late payment information my credit. 
To this day, XX/XX/XXXX, one month after submitted the documents, nothing has been done to put this IBR through. I had XXXX back in XX/XX/2016 so the income level would probably have brought us down to a {$0.00} payment which they do n't want.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Birthday XX/XX/XXXX Email. XXXX Social security. XXXX Phone # XXXX XXXX account # XXXX XXXX # XXXX Equifax XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, XXXX, Equifax reports. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( + ) from THESE LENDERS NEED DELETIONS ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Hard inquiries ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please rem any information that the creditor can not vrify and show permissible use NOTE... I demand that these items be removed that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions **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 an 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

NOTE ... FTC REPORT ATTACHED ... # XXXX Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX
Product: Debt collection

Reached out to the creditors regarding the validity of the debt, but they did not provide any. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Considering the severity of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these dubious accounts from my credit report. I demand prompt confirmation of the removal and a detailed account of the measures taken to prevent such occurrences in the future. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00}. Please deletet these fraudulent accounts from my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated m

y 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 an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items 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: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.
Product: Debt collection

Unsolicited Calls Beginning XX/XX/XXXX - This company has made calls to my personal phone number for the following dates ( without cause, reason, or voicemail ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) On XX/XX/XXXX - my verification letter and request to cease telephone contact for return response via mail only and written validation was confirmed received by the company. 

However, I have not received any letter of validation or written response via mail from the company. Instead, they have violated 15USCA 1962 c ( c ) of the Fair Debt Collection Practices Act - continuing to call on the following dates ( record as of XX/XX/XXXX ) : - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) - XX/XX/XXXX at XXXX XXXX  ( PT ) In all eighteen ( 18 ) cases of phone contact since XX/XX/XXXX, there has been XXXX instances of identification from calling entity, or explanation/validation for contact. Under 15USCA 1962 c ( c ) of the Fair Debt Collection Practices Act, I clearly provided formal, written notice for the company to discontinue all telephone calls. I requested in return, a response via USPS letter, to provide validation and reasons for contact. At this point they have proceeded to neglect my verification request and attempted to continue contacting me by phone ten ( 10 ) times since the return receipt of my letter.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I called Truist to change my payment date to the XXXX of each month. On or about XX/XX/XXXX one of my cards credit limit was reduced to 10 % of the previous amount. 

I have not missed any payments, however on XX/XX/XXXX both of my credit card accounts were closed. I would like my accounts reopened and my credit limits re-established.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I sent a letter showing identity theft/fraudulent accounts on my credit, and they failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled by a 3rd party and they stated a bankruptcy appeared on my credit report. I would like that bankruptcy removed off my credit due to I obtain a letter from the bankruptcy courts stating they never report information of any source to credit bureaus.