23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an issue with CapitalOne Credit Services and how they decide on giving a credit limit increase. First, it is done all by computers and the request can only be made online. There is no human element to assist or escalate any issues or complaints. I tried reaching out to their management and was not able to get an solution rectified.

I also tried reaching out to their Corp Offices who were also unable to direct me to anyone but their same customer service line that would not improve the issue.

Issue : Requested a line increase since I have had this card for over 7 years now I only had one small increase to my limit. Keep getting declined due to an old credit score instead of processing the most recent which is how most banks follow procedure and review. 

I tried both XX/XX/XXXX and XX/XX/2021 whereby my scores were much higher and have had very bad experiences with CapitalOne 's scoring system which attached are two decline letters referencing my credit score in XX/XX/2021 which is an old score and reading of my current credit. I feel it is negligent on the Bank 's part to be using an old credit score and not pulling my current one to enable to have the privlege of receiving an increase to make higher priced purchases. It also make me feel CapitalOne doesn't want my business where I am being tempted to just close this account since they have been uncooperative to work with and handle this situation correctly.
Product: Credit reporting or other personal consumer reports

I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.
Product: Money transfer, virtual currency, or money service

I was scammed out of money numerous times. I did all steps I need to. Cash app did refund me my money. Didn't block the account or didn't get back to me as they should. XXXX I lost in cash XX/XX/year>
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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. 

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

My legal name is reporting incorrect and inaccurate. My legal name is XXXX XXXX XXXX. I've contact the credit bureaus by mail and phone and they have yet to update my legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorize inquiries on my credit profile that I dont not recognize and never authorized to do it XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize these companies to check my credit report. Thank you sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX/1997. I have tried my hardest to dispute this with experian which I have received no help from them. This is an loan that was taking out under my name and social when I was just XXXX years old. I also sent them proof of my identity and its still on my credit stating that it was proven accurate which isnt true because I was XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report. I have reviewed the information provided and found multiple discrepancies that are not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under FCRA Section 605 ( b ), which requires that any inaccurate, incomplete, or unverifiable information be promptly corrected or deleted. 


Furthermore, I am concerned about the legal obligations under the following consumer protection laws : - **FCRA Section 605 ( b ) ** : Inaccurate information must be removed if it can not be verified. If this is not corrected, it violates my rights under federal law.

- **FCRA Section 1681i ( a ) ( 1 ) ( A ) ** : You are required to conduct a reasonable investigation into any disputed information and resolve it within 30 days.

- **FCRA Section 1681e ( b ) ** : You must maintain accurate and up-to-date information, and failure to do so is a violation of my rights.

- **Fair Debt Collection Practices Act ( FDCPA ) ** : If this dispute involves a collection account that is erroneous or fraudulent, please be advised that continued collection activity would be in violation of federal law.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX  XXXX BALANCED {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$610.00} XXXX XXXX XXXX XXXX  BALANCED {$30.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX BALANCED {$440.00} -XXXX XXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX XXXX XXXX  XXXX BALANCED {$26000.00} XXXX XXXX XXXXXXXX BALANCED {$14000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCED {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$610.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Good evening, I am past due on the rent from XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL XXXX, due to the pandemic. It was for the last two months of the lease only. Otherwise, I was an excellent tenant. They were offered a credit card but refused it. I lived there for 5 years total and I also asked to be released from the lease without penalty for XXXX and XXXX but I received no response. It was beyond the state statue for sales tax on short term rentals which is 6 months and 1 day. 

They sent my debt to National Credit Systems XXXX. XXXX XXXX XXXX, GA XXXX. 

I was laid off due to the pandemic. I called National Credit systems on XX/XX/21 and left a message and again a week late and spoke with XXXX XXXX. I informed them that I applied to XXXX XXXX for rental assistance due to the pandemic and that they had permission to speak with them. However, XXXX informed me that they could not speak with a debt collection agency. I have sent two emails to XXXX with no response from them. I asked them to recall the debt and have it paid in full. I finally filed a complaint with the Dept. of Agriculture and Professional regulation. 

I received a threatening phone call this evening from National 's lawyer. I have been trying to work with this management company. They have not offered the best service in XXXX XXXX anyway. XXXX was in trouble just a couple of years ago for taking affordable housing tax credits and writing leases to people who worked outside of XXXX XXXX. So, they do not have the best reputation. 

I would like to resolve this issue and move on. I have been informed that my application is moving through the system and I expect it to be approved within a few weeks. They said it takes 6 - 8 to complete the process. 

National 's lawyer called my business phone number which is illegal. 

They want to get paid yet they refuse to cooperate. What else can I do?
Product: Credit reporting or other personal consumer reports

I am filing this complaint because several fraudulent accounts remain on my credit report despite my efforts to have them removed. I have already filed an FTC Identity Theft Report regarding these accounts, but they continue to appear on my report, causing significant harm to my credit. 

These accounts were fraudulently opened in my name without my consent or knowledge. Despite submitting the FTC Identity Theft Report and notifying the credit bureaus, these fraudulent accounts have not been removed. This ongoing issue is severely impacting my ability to rent an apartment for my children, as my credit report is being unfairly tarnished by these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL 3 CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to TRANSUNION about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX HOMEWOOD, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with XXXX XXXX XXXX Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

Details of the Issue On XX/XX/year>, I formally disputed a debt reported by XXXX XXXX XXXX ( MCM ) with all three credit reporting agencies ( XXXX, XXXX, and TransUnion ). I provided supporting documentation, including a police report and an identity theft affidavit, and requested that the debt be removed until XXXX XXXX XXXX ( MCM ) validated the alleged debt. 

Despite my timely dispute, all three CRAs failed to conduct reasonable investigations or properly address the inaccuracies in my credit reports. The debt was not removed from my credit reports until XX/XX/year>, months after I provided evidence and filed my dispute. This delay caused significant harm to my financial standing, emotional well-being, and reputation. 

Issues with CRA Conduct 1. Failure to Conduct Reasonable Investigations Under FCRA 611 ( a ), the CRAs are required to conduct a reasonable investigation into disputes. In this case : The CRAs continued to report the debt without requiring proper validation from XXXX XXXX XXXX. 
The CRAs failed to account for the evidence I provided, including a police report and identity theft affidavit, as required by FCRA 605B. 
XXXX. Prolonged Reporting of Fraudulent Debt Despite being notified of my identity theft claim and dispute, the CRAs allowed XXXX XXXX XXXX to continue reporting the debt, violating FCRA 1681e ( b ), which mandates the accuracy of consumer reports. 
The debt remained on my reports until XX/XX/year>, months after my initial dispute. 
XXXX. Failure to Block Fraudulent Debt As a victim of identity theft, I provided the required documentation under FCRA 605B to block fraudulent information. The CRAs failed to act promptly and continued to report the debt until it was eventually removed. 
XXXX. Delayed Correction of Inaccurate Information The CRAs only removed the debt after significant delays, which caused financial and emotional harm. This violates their obligation under FCRA 1681i ( a ) to correct inaccurate information after a dispute. 

Harm Caused XXXX. Financial Harm : The inaccurate reporting of this debt lowered my credit score, resulting in credit denials and higher interest rates on loans and credit cards. 
The delay caused me to lose financial opportunities. 
XXXX. Emotional Distress : The CRAs failure to promptly investigate my dispute and remove the fraudulent debt caused stress and anxiety. 
XXXX. Reputational Damage : The prolonged presence of this invalid debt on my credit reports harmed my reputation as a reliable borrower. 

Violations of Federal Laws Fair Credit Reporting Act ( FCRA ) : XXXX. 1681e ( b ) : The CRAs failed to ensure the accuracy of information in my credit reports. 
XXXX. 1681i ( a ) : The CRAs failed to conduct reasonable investigations into my dispute and correct inaccuracies promptly. 
XXXX. 605B : The CRAs failed to block fraudulent information despite receiving appropriate documentation, including a police report and identity theft affidavit. 
XXXX. 1681s-2 ( b ) : The CRAs failed to ensure that XXXX XXXX XXXX XXXX as a furnisher, properly investigated and corrected the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a reinvestigation to Equifax and requested verification of the Bankruptcy listed on the account, on XX/XX/2019. They had 15 days under the FCRA 611 to complete the verification. This included who they spoke to at the Courthouse, not a third party verification, as I am entitled to by law. Ive contacted the courthouse and they do not verify such personal information. I also submitted proof that their alleged third party verification did not match to me, as there were two individuals with my name and initials an not one address on the XXXX  full report matched mine. They claimed my social and ID were not visible, although I've sent it several times, including with my original dispute. I resent the documents to which they said they received them via USPS mail on the XX/XX/XXXX and it will take 7 calendar days. There is no update and it has not been corrected. This is preventing me from applying for certain financial aid as well as causing a great harm to my credit score. I am demanding this be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Product: Debt collection

I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the XXXX XXXX XXXX XXXX Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : XXXX. XXXX XXXX BANK # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since XXXX! 
XXXX XXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 
XXXX. XXXX XXXX STUDENT # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 
XXXX. XXXX XXXX XXXX # XXXX Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 
XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting regarding this issue that had never resolve by the credit bureaus, and for this, I am complaining these incorrect information on my credit file that containing some fraudulent items. I am not satisfied with the performance of the credit bureaus in deleting some of these inaccurate items and there are some that are still on my credit report. These inaccurate information are really affected my credit score. I really believe that these items are fraud and I don't want to be a victim of identity theft. Remove the following items : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX date of inquiry XX/XX/2021.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX I paid my credit card bill with XXXX XXXX XXXX and the information reported to the credit bureaus was incorrect and inaccurate. Due to the incorrect information it caused significant changes to my credit report impacting my credit score negatively.I filed for a dispute and my investigation was denied. However at the end of my billing closing cycle date my balance was paid down {$69.00} out of {$1500.00} XXXX XXXX XXXX XXXX XXXXMy balance was {$69.00} and the information reported was {$1100.00}. Failing to correct this error is violation of the law of FCRA.
Product: Debt collection

15 Usc code S1681 section 602 A There is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness impartiality and respect for consumer rights to privacy.

15 USC 1693 C Ceasing communication 15 USC 1681 section 2 15 USC 1681 Section 602 A Reporting information with actual knowledge or errors. A person shall not furnished any information relating to consumer reporting agency or has reasonable cause to believe the information is inaccurate. 
The following Account and Account Numbers. 
XXXX XXXX XXXX  Account number : XXXX in the amount of {$170.00}. 
XXXX. XXXX XXXX XXXX Account number XXXX {$420.00} XXXX XXXX XXXX Account number XXXX XXXX Debt paid in full XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX {$2100.00} XXXX Funding Account XXXX {$340.00} XXXXXXXX XXXX XXXX XXXX Number XXXX {$420.00} XXXX XXXX XXXX Account XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX XXXX Account number : XXXX {$2300.00} Please removed these accounts off my credit report
Product: Debt collection

I explained that I DO NOT POSSESS, NOR HAVE I USED, A XXXX CREDIT CARD. I contacted XXXX who redirected me to Credit Corp Solutions. They do not answer calls or return emails. I called XXXX back, after several unsatisfactory attempts to Credit Corp. I am not sure what type of fraud is occurring, however, I have not authorized this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

They are inaccurately reporting late payments on my XXXX XXXX XXXX account for the months of XXXX and XXXX in the year of 2018. I have asked the bureaus the provide me with any evidence suggesting otherwise and they have been unable to do so. At this point they are violating my constitutional credit right provided by the FCRA with inaccurate information and needs to be removed immediately. My next steps are to seek compensation and file a litigation lawsuit for incorrect information. 

XXXX XXXX XXXX XXXX XXXX is not mine and is an error of identity theft. This account needs to be removed immediately from my credit. 

There are also several unauthorized inquiries on my report which I have listed below and also need to be removed immediately : 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

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX.