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

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my second time addressing incorrect credit reporting on my file, and I am submitting to dispute these inquiries. The inquiries in question are not associated with any transactions involving goods, services, or money that I have made or authorized. I request that these inquiries be removed from my credit file as they resulted from erroneous credit report entries : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX : XXXX XXXX XX/XX/XXXX. This inquiry is unfamiliar to me. Additionally, the information provided about this inquiry has been deleted from other bureaus, and I have concerns about their accuracy and the reported history dates. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items that were opened without my knowledge, consent, or authority within four business days, provided that ( 1 ) appropriate proof of my identity is given, ( 2 ) a copy of an identity theft report is included, ( 3 ) the disputed information is identified by me, and ( 4 ) I provide a statement declaring that the information does not pertain to any transaction by me.
Product: Credit card or prepaid card

I recieved a netspend prepaid debit card that i did not request. The card came in the mail already printed as if i signed up for it. I beiueve that my information was used with out my permission. Refer to the attachment. NETSPEND shows that i did not submit any information, because when i called in they asked me for my SSN
Product: Debt collection

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with them nor have the ever provided me with goods or services
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 ufc 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 

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 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 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 card or prepaid card

Capital One sent me an email encouraging me to apply for one of their cards. I applied and was given a {$300.00} credit limit. I have used the card heavily to take advantage of the rewards. With only a {$300.00} limit, Ive had to make frequent payments to continue use. At first, it was great. Id make a payment and the available credit would adjust immediately. After a couple weeks of use, my account was flagged for fraud. I had to send proof that it was my checking account that I was making the payments out of. I followed their instructions and the fraud flag was removed. Just a few days later, I noticed that my available credit was still not updating after making payments. I called today, XX/XX/22, and was told that the system had now put a hold on my payment for 26 days until the payment clears. The payment fully cleared and posted to my account three days ago. Keep in mind, Ive never had a returned payment. The first Capital One Rep I spoke with gave me a list of things to avoid to help prevent the system from doing this. I havent done any of those things to cause the system to flag my account. It is my perception and belief at this point that I am being targeted or discriminated against by Capital One or the system because I have a lower credit score which has put me in a high risk category in the system. I believe that Capital One or the system believes that because of my current score, and my high usage, that I am a fraud and not capable of the high usage and payments Ive been processing even though I make a {$190000.00} annual income. How often is this happening to other Capital One customers? What are their profiles? Is this happening to other customers with credit scores in the 750 to 800 range? Or only customers with lower credit scores that Capital One believes are frauds like myself? If other customers are truly being treated the way I am, customer retention would be XXXX. Why am I being targeted and made to feel like Im a fraud?
Product: Debt collection

They been Calling me repeatedly or at unreasonable hours ( before 8 AM or after 9 PM ). False or misleading statements : Lying about the amount of debt or claiming they are lawyers or government agents when they are not. Threats : Threatening arrest, violence, or other illegal actions. Failure to validate the debt : If you request validation of the debt, they must provide documentation proving its yours. If they dont, they cant continue collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

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

I applied for a business loan to expand my business. To my knowledge all the only account I had was a student loan account which was forgiven. Every time I go to take out a loan to build my credit I am denied. I was told by potential loan officers that the reasons for the denial are Derogatory information obtained from a credit report agency such as 3 major credit bureaus ( Equifax. XXXX and XXXX ). This kind of derogatory information are hindering my business mobility.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX0 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and Factual Data ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( 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 : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$21000.00} - XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX
Product: Credit card or prepaid card

Comenity Bank had an " upgrade '' in XXXX which resulted in many issues that they didn't anticipate & much more than they could handle. For over 2 wks I wasn't able to review my transactions. For months I was missing rewards points. But above all this, I made a payment my regular way via online bank payment on XX/XX/XXXX in the amt of {$6100.00}. I have been a customer since XXXX and pay my entire balance every month. Comenity still has not credited this amt to my acct. They have charged late payments to my acct & interest. 

I 1st called on XX/XX/XXXX and was told to follow up on XX/XX/XXXX. I sent email on XX/XX/XXXX & received a response on XX/XX/XXXX ( see attached ) I called again on XX/XX/XXXX & sent email as no timeline could be provided & received response XX/XX/XXXX that they can confirm dispute filed XX/XX/XXXX however resolutions may take up to 90 days ( see attached ). 

I called on XX/XX/XXXX and was told my payment went to an old acct # ( prior to the upgrade old acct # s got mapped to the current acct # therefore in the past never had this problem ). I sent email on XX/XX/XXXX with info including trace # from my bank. I received a response XX/XX/XXXX that they will not report me as delinquent & may take up to 90 calendar days. ( see attached email & bank info ) There have been multiple calls by my husband & I along with multiple secure messages that I was encouraged to send. 

At the end of XXXX Comenity requested an Electronic Transmittal Form from my bank. 

I sent on XX/XX/XXXX ( see attached email & Electronic Transmittal Form ) I called XX/XX/XXXX and they can not provide my any further info or a timeline & suggested that I write a ltr.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$4800.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.
Product: Debt collection

A credit report dispute was submitted to XXXX on XX/XX/XXXX and completed XX/XX/XXXX via XXXX XXXX in regards to XXXX XXXX XXXX, XXXX. I contacted XXXX to request " debt verification '' letter because I was unfamiliar with the alleged debt they were trying to collect. I was unsuccessful, XXXX was very uncooperative so I enlisted the help of the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and forwarded supporting documentation. The XXXX acted as an intermediary and relayed my debt verification request to XXXX for a second time on XX/XX/XXXX. After some investigation we found that all the contact information on the account belonged to a totally different person. XXXX still maintained that there information was correct. 

More than thirty days have passed since the initial inquiry and XXXX has not been able to provide sufficient proof of alleged debt, so I am requesting that the debt for {$1100.00} from XXXX XXXX XXXX XXXX XXXX, XXXX be removed from my credit report expeditiously. 

Please notified XXXX that if you do not comply with this request, immediate action will be taken against them with the Federal Trade Commission and the Florida Attorney Generals office for violation of Fair Debt Collection Practices Act Section 807 ( 10 ( 11 ) and 809 ( 15 ). Civil and criminal claims will be pursued.
Product: Credit card

I had a Citi Thank You Premier credit card which was closed in XXXX XXXX. When it was closed, I still had XXXX ThankYou points that were accumulated but not used. When Citi closed the credit card account, I was told that the ThankYou point account and all the accumulated points would remain active and valid, since I still have a checking and a savings accounts ( both with Citi ) that are linked to this ThankYou account. However, I just noticed that the point balance is now XXXX on XXXX/XXXX/XXXX. I called Citi customer service today and was told that those points have expired because the credit card account was closed more than 60 days ago. Citi failed to inform me of this 60-day window when the credit card account was closed, and now they state that the points are forever gone and can not be brought back. Again, Citi did not provide me with any information on the upcoming point expiration date or ways whatsoever when the credit card account was closed, which is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, XXXX XXXX, and XXXX XXXX i sent dispute asking for accounts to be validated and verified. Never happen and has been well over 45 days. Sent to XXXX, TransUnion, and XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. account already paid creditor agreed to remove Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Verify RETAIL XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Verify RETAIL XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

4. account already paid creditor agreed to remove XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 





TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

2. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Checking or savings account

I closed my Frost Bank Checking Account on XX/XX/2021. I also, Closed my Savings account on the same day. I withdrew all the monies out and left the accounts at a XXXX XXXX XXXX XXXX. Frost Bank Closed the Savings account by the next day XX/XX/2021. That's when they started doing what " XXXX XXXX Bank '' was doing illegally ... That led to the Federal Reserve and Several Lawsuits... Including Congresswoman XXXX XXXX have been charging " XXXX XXXX '' with ... Adding a bunch of " Fees '' and taking advantage of people ... You can see by the uploads I'm attaching ... They want {$1100.00} in Debts/Fees as a Charge -Off ... That will lead to a " Early Warning Services '' report against me... I believe " Frost Bank '' is involved in " Fake '' Practices...
Product: Student loan

Fedloan Servicing is applying anything that I pay over the amount due to future interest. My bill for example can be {$500.00} and I pay {$550.00} that addition money is being applied to interest. Also, if the bill states outstanding interest at {$190.00} and monthly payment is {$450.00}, I pay {$500.00} they are applying {$350.00} of that payment to interest. For 4 months my balance never went down. It was all going to interest. And the other months they are taking more for future interest. No wonder my balance in 4 plus years has only gone down $ XXXX. This can not be a legal practice.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to purchase XXXX tickets to the XXXX/XXXX game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( XXXX XXXX ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with syncb they said they would XXXX XXXXXXXX remove inquiry, STILL HAS NOT BEEN REMOVED. Complaint filed over 4 weeks ago
Product: Credit reporting or other personal consumer reports

Kia finance America have been notified as well as XXXX XXXX of the XXXX accounts that were opened in my name XXXX XXXX and XX/XX/2023. They both were unrespknsive of the fraudulent report that its debt collector XXXX from Kia finance America had informed me that they will send out within 7-10 business days. It is an unfair act to have to pay for a fraudulent act of service in which my personal information was stolen and used in multiple data breaches and also at auto dealerships to obtain goods and services in which I had no knowledge about until I inquired. XXXX XXXX rep was asked to present signature with my name and joint account holders name in which they were responsive and was asked to send photo of docs and signature in which the sent docs with signature and no Id. The signature was not mine.
Product: Credit reporting or other personal consumer reports

I have closed accounts and open accounts on my credit that I have not created