23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital one credit card opened and has an active balance on XX/XX/2024. Never opened or have opened a capital one credit card. 


Card is showing up on my XXXX XXXX credit report along with my XXXX XXXX credit report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I excepted a job offer on XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX Tn. and worked 6 weeks and First Advantage background reported false information and i lost my job. I contacted First Advantage and reported the issue, In reveiwing the company I found Im not the first. The back ground information they summitted wasn't mine. I have had identity theft and filed a police report and filed a complaint with the FTC in which I summitted the paper work to them.
Product: Credit card or prepaid card

See Complaint # XXXX. 
See Complaint # XXXX. 
It's going on XXXX months, and Comenity Capital Bank has failed to properly look into a dispute I put in over a {$100.00} fraudulent charge. They have not contacted the motel which falsely claims that I 'took towels. ' They have not asked them for any proof of this. Instead, Comenity Capital Bank has just apparently decided it's easier to side against me ( without any formal letter of explanation ), and has already contacted the credit agencies which have now wrecked my excellent credit record! 
This bank is horrible in the way it does business!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries on my credit report, as I am a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ), I request that you remove the accounts and inquiries detailed below.

Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOTIFIED XXXX XXXX  ABOUT A FRAUDULENT ACCOUNT OPENED DUE TO IDENTITY THEFT BY EMAIL ON XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
BY FAX XX/XX/22, XX/XX/22. 
BY PHONE CALL XX/XX/22 XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22. 
AND BY MAIL XX/XX/22, XX/XX/22, XX/XX/22 THE FRAUDULENT ACCOUNT IS STILL OPEN, AND BEING REPORTED TO ALL 3 CREDIT BUREAU 'S, AND WAS RECENTLY CHARGED OFF AND SOLD TO A COLLECTION AGENCY. 

I SENT AN FTC REPORT, A POLICE REPORT, AND ALL INFORMATION ASKED OF ME AND THE PROBLEM IS NOT BEING RESOLVED
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TRANSUNION LLC Consumer Dispute Center 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX  - {$390.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX  - {$370.00XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. Portfolio Recovery furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. Furthermore, I was never sent correspondence notifying me that this account was sold, nor have I received proper validation from the original creditor. When I contacted the original creditor to inquire about this unverified account, I noticed that the balance on my credit report is not the same balance that the original creditor is reporting. How is this valid? I also received nothing in the mail leading up to this collection being reported. I am very aware that Portfolio Recovery is a repeat offender of illegal debt collection practices and consumer reporting violations. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from my credit report or I will have no choice but to forward this to my litigation attorney.
Product: Vehicle loan or lease

XXXX XXXX XXXX is charging excessive interest that violates KRS 360.010 Legal interest rate. I borrowed {$10000.00}, the maximum interest rate is 19 % interest rate, XXXX XXXX XXXX is charging 23.057 % interest rate. XXXX XXXX XXXX has refused to talk to me about the issue. 






See : Kentucky Court of Appeals Case XXXX
Product: Checking or savings account

I received a call from Frost Bank and they left a message for me to call them back. The lady I spoke to was XXXX XXXX and she was trying to confirm that I had opened an account with them this morning. She said they have been getting a lot of fraud accounts lately. I said I have not done that, I am at work. She explained that someone tried to open an account online and she said they even had my correct address and even my drivers license number. I didn't give her any information because I didn't know if you could possibly be a fraud person, but it did not seem that way because she was able to confirm all my information. The only thing the fraud person put incorrect was my phone number, so she searched it and that's how she was able to leave me a message, hoping that I would call back. She was able to stop everything and close the account. She suggested I make a report with the Federal Trade Commission for identity theft. I am glad I was able to stop everything, but now someone has all my information and I don't know how. I do not share this with anyone. Please be aware that someone is trying to steal my identity. This is the last thing I need. Thank you so much for your help with this!
Product: Credit reporting or other personal consumer reports

i have not given anyone written permission to report any of my private information on my credit reports this is a violation of my privacy rights. This company has never had permission to do soi am a victim of identity theft, By law a consumer must receive written notice known as a debt validation letter within five days of the collectors initial attempt to contact me. I only found out about this after it was reported on credit report. This is a clear violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative Late Payments on my Credit Report for the below company : XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for repeatedly reporting inaccurate information on my credit report, despite my numerous disputes. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, All the creditors and collection agency listed above is required to investigate disputed information within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I havent sent in supporting documents along with my id and social security card to these credit reporting agencies they have fail to provide me with proper investigation results or upheld their duties to reporting accurate information on my credit profile I have been harassed and violated of all my rights and this has caused me great distress. I have reached out numerous times and they have yet to comply with any of my request or getting this resolved. I was sent a return receipt in the mail but no further investigation results or acknowledgment of my request. These companies have been reporting false information on my report and have making it their duty to cause harm to my everyday livelihood. So far I have not been able to obtain any use of credit because of them violating my rights I have sent in numerous documents and have not received any corespondence and its been 3 months now since the investigation. I have requested investigation results and contacts for who they spoke with to verify this information along with an updated copy of my credit report. Along with my request this company has proven that they are still going to report false information that was open and reported without my permission
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Under Section 611 of the FCRA, credit bureaus are required to investigate the disputed items within 30 days of receiving my dispute. 

The following inquiries are not authorized by me and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries are negatively impacting my credit score and were not authorized by me. According to Section 604 of the FCRA, a consumer reporting agency may furnish a consumer report only under specific circumstances, such as when a consumer applies for credit, employment, or insurance, and the consumer 's consent is obtained. I did not initiate any transaction that would have warranted these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 An 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: Vehicle loan or lease

Dealer Funding is on my credit report when it should n't be. The problem that happened was I got it to an horrible car accident and my car insurer paid it off plus I had gap insurance so the car was totaled and paid off, all of this took place in XXXX Now that it is XXXX I have been disputing this company on all three credit bureau and still it is on my credit. The number to the company is no longer in service. Also my mother was my cosigner on this account at it is n't on her credit but its on mines and I 'm not understanding this when it was paid buy the insurance company in XXXX. Please help me resolve this issue because it is a burden on my life!!!!!
Product: Debt collection

I have a collection account from XX/XX/XXXX with Capital Accounts. It is a medical debt that was under XXXX . Now as of XX/XX/XXXX, they re-reported it so it dinged my credit again and they raised it to over {$500.00} so I cant take it off my credit. It is a medical debt and anything under {$500.00} is removed. It is very unethical. They should remove the new credit reporting since it is 4 years old, NOT a new debt and it was under {$500.00} for medical and should be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no legal binding accounts or loans with this company
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX  XXXX XXXX  XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  WAS LAST UPDATED XX/XX/XXXX. XXXX XXXX  SHOULD BE UPDATED TO PRESENT XXXX.
Product: Credit reporting

I have been working with Experian for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. ) There are also XXXX judgments that have the wrong filing dates. No matter what I do and say, they refuse to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX  signed up for XXXX XXXX XXXX XXXX  After 8 days I was no longer able to log in. I contacted the company and they did not help telling me I just needed to log in. Attempted again to explain the issue and again did not get help. Stopped payment with credit card and after back and forth paying and then finally not paying them XXXX came after me for the money. Attempted several times through their customer service to talk to me and give me someone I could talk too with no response. Contract states they are to go through arbitration so they are violating their terms of service sending me to collections. Don't feel I owe for service I did not receive. 

RFGI is attempting to collect on XXXX 's behalf. Attempting to collect from me a service that XXXX did not provide. Saying that XXXX will fix the problem if I pay and I can still get the service. A service I am no longer interested in since they were never willing to help me in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$660.00} XXXX XXXXXXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}