23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mom passed away XX/XX/XXXX, after which I was appointed by the probate of legal representative of her estate. on XX/XX/XXXX, received a letter from XXXX XXXXXXXX XXXX  office saying capital one N a journey has filed a claim against my moms estate for credit card debt owed. I immediately called the company got in touch with a representative asked questions about what the amount was. When was the account open? They provided me with that information upon further research. I discovered that the statue of limitation in the state of XXXX XXXX is XXXX years hence the credit cards open in XXXX for your statue of limitation expired in XXXX credit card opening XXXX for your statue limitation expired in XXXX when I called back XX/XX/XXXX I got transferred to several representatives for the company and the last representative said that she did not understand where I got my information for that. It is not on the website or its not her job to agree or disagree with the information I have she insisted I send her all the information where I got this research from I politely asked for her to send me all the documents regarding the two accounts in my mothers name so we can see what for the action we need to take. She did get very defensive and threatened that the documents might not get there within XXXX to XXXX business that she has no control over it and she kept repeating herself saying that I needed a legal representation when I told her that is something that I would think about she immediately stopped and asked if I already had legal representation she was very defensive falsifying documents trying to put blame on me that I did not reach out or Im not answering the phone so the blame game started. is it proceeded to inform her that every single conversation with her and all the representative from Capital One and a journey has been recorded is when she really calmed down and I informed her I will be happy to file a complaint against the company and self my advice to everybody is do your research before you call this debt collectors back and record yourself every time because the malicious false information and intimidation that comes from this representative is the reality of de collectors
Product: Credit card

Seven letters have been mailed to Shell/Citi Cards/Citibank , `` company '', the last six sent by certified mail to waive the late fees, and now other actions ( contrary to the reverse side of the print copy of the Shell account statement ) taken by the company, to resolve the dispute. No direct response to my requests for late fees waiver and reversal on the other actions taken by the company. The final payment, XXXX XX/XX/year>, was mailed about 10 days prior to due date. It usually takes 4 or 5 days for mail between XXXX and XXXX AZ not 10 or 11 days. I am not a habitual payee in making payments by mail, however, it is taking longer and longer for the USPS to deliver mail in a timely manner. In the recent past, 10 days was adequate for mail from XXXX to XXXX for payment purposesXXXX XXXX XXXX of my letters are available upon request. A few of the certified mail tracking numbers are included in the XXXX XXXX The rest of these tracking numbers are available upon request. 

For your information I do not have internet service at home nor a smart phone. It does take longer for me to access email. I have an answering machine on my home telephone.
Product: Credit reporting or other personal consumer reports

According to the FCRA I am supposed to get a 5 day written notice from this company of this alleged debt with the chance to resolve such a matter before this alleged debt is placed on my credit Report. Please provide me proof i received this mail by providing me and The cfpb a certify letter and return green receipt!!

Lvnv funding must show this finding im requests or this is proof they broke the law.
Product: Checking or savings account

I have a profile with XXXX app through XXXX ( XXXX ). Not sure what's the password. I contacted XXXX CS todayXX/XX/XXXXand they requested me the last 3 digits on back the card. I provided it to them but they sad it's invalid, of course, because XXXX has been replaced my card. The representative said I have to contact XXXX to provide me the last 3 digits of the old card. I don't need to say XXXX CS said it's insane nobody stored old information due to security. It's ok so I enrolled in XXXX using XXXX but I never get a password for, I requested reset password on the app and said the account has been locked. I contacted the XXXX CS again and they said my personal information 3 digits back of card and zip code doesn't match with XXXX information. Which is not true I have all my profile open on my side.Very complicate XXXX CS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing a fraudulent account report on my credit. Ive sent in several documents explaining that this is a fraudulent account. They continue to report this account.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. Being inaccurately reported to multiple bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One stated that this account was properly investigated, verified as accurate, and has refused to delete the account. I have attached my credit report which clearly shows that Capital one is reporting different information in the categories of high balance, last verified, date of last activity, closed date, dispute status and creditors remarks to XXXX and XXXX. A simple update to the account would be insufficient, the reporting of this account can not be trusted and therefore should be deleted. 

Capital One has repeatedly ignored 15 U.S.C 1681 section 604 A section 2 as if it is only a matter of my opinion and not law. The law states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have given no such permission and in case of litigation Capital One will be unable produce such evidence.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) ( A ) ( a ) ( b ) ( c ) Capital One is barred from disclosing my non public personal information to a non-affilitated third-party without clearly and conspicuosly disclosing their intentions to do so.Capital One is/was required to give me the consumer an oppurtunity to opt out of my information being shared to a third-party initially, and give me and explanation of how I the consumer can excercise that nondisclosure option. I would like for Capital One to send me instructions on how to excercise my non disclosure option in regards to the Capital One account XXXX being reported.
Product: Checking or savings account

Approximately XXXX was charged to my checking account. it was over XXXX incidents back to back for the exact same amount. The bank says my card was added to a " digital wallet '' I do not have a digital wallet nor have i ever authorized a digital wallet. They are claiming there's nothing they will do for me... ..The bank is Regions Bank I first locked the card trough the app then called it in. was told to go to a local branch to file a dispute i did. they said it would take XXXX business days and someone would contact me they never did I went back in spoke to another person. She had a chat discussion with the fraud people and then they told me to just call back in. i left and called the bank and they are simply saying there's nothing they can do because the card was " somehow '' linked to a digital wallet which has nothing to do with me. Been a customer of this bank for over a decade with no type spending pattern such as this. I have three separate accounts as well as a credit card account through them. Never has this ever been a problem and they can clearly see its got nothing to do with me but yet they say sorry they wont do a thing.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX reported XXXX points in my XXXX score.inquiry that was not made by me.
Product: Credit reporting or other personal consumer reports

Per15 U S 15 6801 that states non public information is protected from the public unless creditor obtains written consent to share information on my consumer report. I've never had a account with portfolio or security credit nor did I give wriiten consent to anyone to report the accounts listed below on my consumer report.Per 15 U S Code 1681b Permissible Purposes of consumer reports ' XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Said I didn't pay my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union does not provide due process when I initiated a dispute. I initiated a dispute with transunion XX/XX/2021 and they closed it XX/XX/2021 without submitting it to XXXX XXXX. And the reason they avoided due process is because the computer picked up dispute as being the same. I spoke with felicity in the credit department and she assured me the 30 day late in the month of XX/XX/2021 would be removed. Transunion is supposed to provide me with the steps they took to investigate my dispute. XXXX understands I was XXXX positive. I had a stop payment connected to my accounts that shouldnt have been placed in the month of XX/XX/2021. didnt know whether I would be alive XX/XX/2021 but I made it. My power of attorney paid all my bills. XXXX at XXXX XXXX understood this. I reached out to Transunion to start the dispute and they refused to contact XXXX at XXXX XXXX to determine how XXXX XXXX would accommodate me the month I was XXXX XXXX positive and trying to live. Transunion hasnt taken the correct steps up with XXXX XXXX So my credit report can reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied at XXXX and online both applications were denied by Synchrony Bank without providing details on why the card was denied
Product: Debt collection

The collection company HRRG, has left several messages on voicemail by an angry man who demands I call the number back with no details on why hes calling. On XX/XX/22 at XXXX HRRG called me and I returned the call. I talked to someone on the phone they said I owed a medical debt, but she was rude. I told them I dont want to deal with them and also contacted them on their website XXXX XXXX I rather them take other legal actions than to call further. Hrrg repeatedly called my phone again on XX/XX/22 at XXXX, XXXX, XXXX, XXXX, XXXX. I understand they contacted me about a debt, but that was excessive and I had to turn on a spam killer, because I was at work and couldnt receive calls from my manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  THE FOLLOWING ACCOUNTS XXXX 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX  have 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering itemswhen I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 30DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/2023 I applied for credit with BARCLAYS and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a violation of U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use credit card 15 USC 1602p. ) The Card applied for was a BARCLAYS Frontier Airlines Mastercard with a {$50000.00} credit limit and XXXX flyer miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was attempting, on XX/XX/XXXX, to buy XXXX tickets to a XX/XX/XXXX production of XXXX  at the XXXX XXXX XXXX XXXX in XXXX Ohio. I was online with XXXX and they had ground floor tickets for {$550.00}, which was too much, so I looked at the balcony and it was {$140.00}. I gave my charge card info expecting an itemized bill and all of a sudden it told me I had spent {$770.00}. I had thought the {$140.00} was the total for the XXXX tickets! You can imagine my shock! I attempted to contact the company and cancel the transaction, and was told that it was impossible. ( I might add, I called XXXX, and the balcony tickets range from XXXX XXXXXXXX {$75.00} each, so my thought of {$140.00} was not unreasonable! 
I then contacted my credit card company 5/3rd and started a dispute. This was back on XX/XX/XXXX. They told me it would take a while, until the bill hit my statement. I told them I was taking cruises and would be unavailable from XXXX. They sent me a letter that I needed to contact them by XX/XX/XXXX that my son got from the mail, but I was out of the country. I contacted them, the day I returned XX/XX/XXXX, and told them the situation and they said I needed to fax them information, which I did, so they could reopen the case. 
I faxed them more information XX/XX/XXXX after another phone call. Mind you, we flew to the XXXX XXXX XXXX. I followed up XXXX, by phone, and was told that the process would take about a month. 
I called back yesterday, and was told the case was rejected a second time because of time issues. I was told to fax another letter asking them to reopen the case! This is ridiculous. I have written another letter, but am traveling today and have to figure out how to print a letter and fax it from the next island we are traveling to. In the meanwhile I have not been able to repurchase tickets for the show, now in 2 months.
Product: Credit reporting or other personal consumer reports

See attached letters with specific reasons for my complaints, but it can be summarized as follows. Each of the companies connected to this complaint are purposely reporting information knowing its false, then verifying its accuracy every time I dispute it.

A credit file can not : 1. Have listing of accounts showing both a charge off and a balance owed. The charge off means the balance is now XXXX or 2. They sold the account ( Which each of these companies has ) meaning I not only do not have access to pay these, I owe them nothing because the account is closed and has not balance Reporting these as balances owed is not just misleading, its false and illegal.
Product: Credit card

I sent a police report as request this week by the manager of fraud recovery team. 
After receiving the police report from XX/XX/2022 about my stolen identity. She decided the fraud claim and told me today that the fraud actually didnt start until XX/XX/2022. 

I have evidence to prove she is wrong and not helping. 

There was a second fraud credit card opened without my permission and the credit bureau says it was opened in XX/XX/2022. 

Chase wrongly closed the fraud claim.
Product: Credit card

I closed my American Express card after they raised my interest rate without ever notifying me. I then paid it off. They said I had additional interest charges ( some crazy deferred interest charges ) and sent a letter almost 1 month later, saying hey tried to email me ( ) never changed my email ) I believe the whole time with their creative accounting they have been ripping me off on interest and other charges, and I have never been late on this account. I would like my account to be reviewed since the beginning, and all fraudulent interest charges returned, as well as any interest charge after they raised my rate without informing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this CFPB complaint to inform you that despite my previous request, you ignored it and proceeded to publish the disputed items as though they had been validated when you had a copy of my updated credit report. In compliance with Fair Credit Reporting Act section 605b, I requested that you erase the disputed accounts and information that were created as a result of my identity being stolen. Nonetheless, I observe that you continue to report the disputed reports as factual despite the fact that you have not supplied me any evidence to back up your assertions. Immediately erase the disputed entries from my credit file in accordance with Federal law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$240.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX DBA XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Please provide me any documents you find that show the disputed items are legitimately mine if you think they belong to me and the disputed items are mine. I anticipate that the disputed articles will be removed right away if you don't deliver these documents by the deadline stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a collection charge off reported on XXXX XXXX for an AUTO LEASE with XXXX, Equifax and XXXX. This is outdated and incorrect.
Product: Money transfer, virtual currency, or money service

cash app support is unable to carry on a conversation long enough to dispute these charges, ive gone through their system, more than XXXX times and they are unwilling to complete the task.