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

Again the credit bureau 's request that you guys ( XXXX ) contact them to fix this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$570.00} ; XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$840.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$790.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00}
Product: Debt collection

Hello Sirs/Madams : There are three issues associated with the illegal attempts of   XXXX   XXXX   ( not an attorney ) that need to be looked at.
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( A ) My only debt is from Credit Card Debt dated  XXXX , and I am sure that no C.C. debt can be collected this far out.
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( B ) I filed a Bankruptcy in   XXXX   in the State of Maryland where all my debt occurred : Case No. :   XXXX   was a Chapter  XXXX , IN THE UNITED STATES BANKRUPTCY COURT FOR THE DISTRICT OF MARYLAND - at  XXXX  - SO ORDERED Entered : XX/XX/XXXX  ; Signed :  XX/XX/XXXX .
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( C ) Finally, I am a veteran drawing  XXXX  pay at 70 %, and according to the Code of Federal Regulations - 5301, no civilian, no matter what the circumstances is allowed under our Law to collect a debt from a Veteran, who is drawing Federal Money for Comp and Pension ; this matter is very easy to look up online.
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The individuals who have been relentlessly wasting my time, hounging me and making threats for months are claiming that I must pay them {$22000.00} from someone called   XXXX   XXXX   XXXX  , which I do not recogonize. The debt is a sham, and I believe that a crime is in progress. The individuals continue to come at me from different directions, but they are the same GROUP.
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The last time is it someone by the name of   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , CAL  XXXX  from telephone  XXXX .
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He claims litigation notice - Case No  XXXX   XXXX  , as   XXXX   XXXX   XXXX  . vs.   XXXX   XXXX  .
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The attorneys who handled this case were :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , Maryland  XXXX .
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They have all tried to collect the debt in   XXXX    of this year, twice in  XXXX ., they were reported every step of the way, and again in  XX/XX/XXXX , using the account number   XXXX   XXXX   - no matter how many times I report them, and they are admonished by BBB or others, they still continue to make Illegal threats of all kinds and continue to file claims or that is what they have said, who knows what is true with this group.
Product: Checking or savings account

My direct deposit was supposed to be accessible in my account on XX/XX/year>. 
Currently it is now XX/XX/year>. Capital one is not releasing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER  XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked equifax to verify information on my credit report. they never reply
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES FROM MY CONSUMER PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX . IAM A VICTIM OF IDENTITY THEFT.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I put a loan payment XXXX check XXXX XXXX XXXX in the drop box ( at their location ). With the payment, as I always do, ( but never get ), I requested my balance, which should only have XXXX more payments remaining. Well I was mailed a receipt a few days later ( post stamped XXXX XX/XX/XXXX ). The receipt did not have my actual balance, but instead said I'd renewed my loan foXXXX XXXX XXXX-which I did not do. Plus, how am I able to renew a loan when I dropped in the night box ( which it states on the receipt under " Check in night '' payment method. Again, I did not renew any loan. 
Additionally, I always paid XXXX XXXX monthly payments, which is more than that what my minimum payment is. However, on this occasion, I paid {XXXX} because I knew it my payments were near the end. However, m they said the principal payment was {XXXX} and the {XXXX}. was late fees. Their fee payment structure is not computing. It's as if they're making amounts up as they go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 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

Since XX/XX/XXXX, I moved outside the XXXX for work related reason. During all this years I was living in XXXX until XXXX. During this time I came to US for leasure for a week or two and then returned to XXXX. During this time I had a mailing address and during the COVID days, since the restrictions came into effect for traveling I was unable to go to USA and my last time here in XXXX was XXXX and I returned back to US last XXXX. During this time I stayed in XXXX and never requested any loan or financing for any company or lender. So, in XXXX last year I received unwanted letters from two Collectors company : one XXXX XXXX XXXX, representing XXXX XXXX XXXX XXXX n. for the amount US {$4900.00}. On XXXX XX/XX/XXXX I sent a letter to XXXX claiming the account is not mine and Im being a victim of fraud/crime and they still claim the account is mine. I never borrow any money or did any business with them on the amount above. I requested documentation and also the contract with my signature and they never sent to me. 
The other company XXXX XXXX XXXX is the second company claiming that I owe them, and they are representing XXXX XXXX. XXXX XXXX XXXX aka XXXX XXXX both of those companies are credit card services with XXXX. The amount they think that I owe them is XXXX {$4100.00} and also I sent a letter to this company last XXXX. I requested documentation and also the contract with my signature and they never sent to me. 
I have to say that during this time I couldnt access my credit report from outside of USA because the companies ( XXXX, experian, and XXXX XXXX ) they have restricted/prohibited to access their websites from outside of US. 
All I have to say that I never BORROW OR FINANCED anything in the past 10 years and Im being a victim of Fraud/Scam from whoever used my ID without my consent. 
I requested the 3 credit report companies to have those illegal claims removed from my report and it was denied because they till believe this accounts are mine and they are NOT.

Because of this Ive been denied credit to by an auto ( auto-loan ) and possible purchase a home but because of my credit score I have been declined many credit cards application and this is affecting my life on a daily basis.

I hope they understand that Im in a good faith and fix the problem ASAP. 
I have proof that I wasnt in USA during the time they approved those credits and never authorized anyone to borrow or finance under my name and social security number I EXPECT THEY REMOVE FROM MY CREDIT AND GET MY NAME AND SCORE REESTABLISHED Also I filled a Police Report at the sheriffs office of my county
Product: Money transfer, virtual currency, or money service

Hello! 
My account on the XXXX XXXX was blocked on XX/XX/2019. 
I contacted the support of this company but they did not assist in unlocking the account and stopped responding. Please help me in solving the problem of unlocking my account
Product: Debt collection

Penn Credit Corp has filed an unpaid debt of {$4900.00} under my name to the 3 main credit reporting agencies, XXXX, XXXX, and XXXX which has had an adverse effect on my credit report. I have disputed this debt because they have no supporting records that I owe this debt. In fact they are asking me for documents to accompany my dispute. Since I have no knowledge of this debt since it most likely is past the statute of limitations, I'm filing this complaint with the FTC so I can send this to Penn Credit Corp to accompany my dispute.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I tried to access my credit card information through the online system. I was not able to access my account with my current password and username. In addition, a new feature appeared on the website requiring me to fulfil a two-factor authentication. I called the credit card company that day, and I spoke with a customer rep who informed me that many people are having problems accessing their accounts online. I was informed a new IT update had been installed and was not allowing customers to log in with current passwords and usernames. I also informed this person that when prompted to enter a two-factor authentication, which provided a code to my email on file, was never delivered. At that time, I was told to check all spam areas, but there was not code sent to my email on file. I was told that an IT person would contact me on a specific date, which did not happen. I did receive a call on XX/XX/XXXX ( 6 days later ) regarding this issue. This customer rep left a message and I called back. I informed this person of the issues I was having and was instructed to use a different browser to log in, which I did while I had this individual on the phone. No browser allowed me to login to my account with current password or username. I was told that my government email might be the issue ; however, I told the rep that I have never had issues not receiving emails with my government email account. And, on XX/XX/XXXX, I received a marketing email from the credit card company. I was told that an issue ticket was created on behalf detailing the problem and issue would be resolved. As of today XX/XX/2022, I still can not access my XXXX  XXXX  credit card account online and no one has called to discuss this issue.
Product: Credit card or prepaid card

I received a notification from a credit monitoring service I subscribe to that my store card account with Best Buy had been closed by the bank Citibank. I received no notice from the bank that they were going to take this action. I am currently in the process of trying to purchase a home and now that this long-standing account has been closed, I may not be able to secure a mortgage due to the change on my credit report. If I had received some notice, any notice, I would have taken action to prevent its closure. I spoke with someone from the bank 's customer service and the first person I spoke to advised me that an email had been sent to me in late XXXX. An email that I never received. The second person I spoke with stated she could not see any email being sent to me. The third person I spoke with said that letters were mailed out in XXXX and XXXX. Letters which I never received. If I weren't in the middle of buying a home, I probably would have let the account close. But because everything is reliant on good credit nowadays we are basically at the whim of the banks. I try to be a knowledgeable financial products consumer but when a financial institution decides to close an account without regard to how that may impact consumers, there's very little that we can do as consumers.
Product: Debt collection

See attached, I do not now nor have I ever had a contract, or agreement with midland credit management, nor do they have permissible purpose to obtain my personal credit report, or to use, hold, or supply my trademarked intellectual property. 
VIOLATIONS : 15 USC 1692B ( 5 ), 15 USC 1692C ( B ), 15 USC 1692E ( 8 ), 15 USC 1692C ( A ) ( 1 ), 15 USC 1692B ( 2 ), 15 USC 1692E ( 2 ) ( A ), 15 USC 1692E ( 10 ), 15 USC 1692D ( 2 ), 15 USC 1692A ( 4 ), 15 USC 1692A ( 6 ), 15 USC 1692E ( 11 ), 15 USC 1592C ( A ) ( 3 ), 15 USC 1692E ( 12 ), 15 USC 1692E ( 14 ), 15 USC 1592J ( A ), 15 USC 1692F ( 8 ), 15 USC 1692E ( 5 ), 15 USC 1692F ( 7 ), 15 USC 1692B ( F )
Product: Debt collection

I never got a bill for the debt of  XXXX  from original creditor .also added 18 % interest to bill.I only found out when I got my credit reports, contacted GLA collection co.inc.rote them for all medical records, only received the bill with interest added an original creditor name,  XXXX   XXXX    XXXX    XXXX , no a dress, a account number. I also read they could only get original amount. their address is  GLA collection co Inc,   dept. #  XXXX    XXXX   XXXX    XXXX   XXXX , Ky XXXX .-phone : XXXX .my email is  XXXX   XXXX     XXXX   XXXX    thanks,  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state 's 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this with R XXXX XXXX and Associates requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. XXXX XXXX XXXX XXXX XXXX requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602A. 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
Product: Credit reporting or other personal consumer reports

Firstly, the company decided to suddenly report my company card to my personal credit report after 3 years of having this card and never reporting it in the past- which means that all the payments I made on time for these years did not make it to my credit report. Secondly, they claimed that I was 60 days late in payment when I was not. Their system was not working correctly and every time I logged onto my account, it told me that " my card needs attention '' but " NO PAYMENT IS DUE AT THIS TIME ''. when it says no payment is due then how do I know I am late with my payment. 
Thirdly, I tried to explain to them this glitch in their system, they actually agreed that this does occur sometimes but they re not going to remove the 60 day delay in payment to my credit report. 
Fourthly, the most I missed on my payments was 30 days NOT 60 days as they claim. 
Fifthly, I explained that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and this was a large factor but they did not care to listen as they are not human they are robots. And they answer like robots.
Product: Credit card or prepaid card

Card was charged XXXX dollars by rental company on a fraudulent charge. 
I disputed this transaction. Citi denied my dispute. Credit limit on this account was XXXX so because of this I was XXXX able to make the minimum payments and due to COVID not working and on UE Assistance. Reached out to Citi for pandemic assistance and was ignored. Due to not being able to pay the minimum the company charges me a XXXX dollar late fee every month. Which adds to the balance. They closed the account and continue to charge me XXXX dollars a month late fee. XXXX due is now XXXX dollars with a total balance of over XXXX. 

Ive contacted city XXXX separate times to resolve this and set up a payment plan. Citi has denied me multiple times as my account didnt qualify. They provide no reason why only that the process is automated. Citi continues to call me no less than 4 times a day leaving voicemail after voicemail, to bring the account current, however citi is unwilling to help or set up a payment plan. 

Last rep spoken too is named below. 
XXXX XXXX Previously before this my call was ended prematurely by a citi rep while I was asking questions.
Product: Debt collection

they first contacted my tele # for my mother who has passed away and then asked for me. rep nor the manager XXXX could properly explain why they are calling me. yes I am upset because one they are calling for my mother is deceased and then because she wanted to talk quietly she threatens to hang up. they are harassing me on debt that was discharged. they is to be from XXXX XXXX I do not even recognize this company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. I ask XXXX equifax and XXXX  Can you please delete and block the following information on my credit report. XXXX, Equifax and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.To delete and block the follow fraudulent accounts, per the FCRA 605B.

See attached