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

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with CAPITAL ONE. The line of credit I have with CAPITAL ONE is characterized as utilization on my consumer reports. CAPITAL ONE IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : CAPITAL ONE credit card, CAPITAL ONE is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( XXXX ) and the person ( CAPITAL ONE ) making the report is NOT INCLUDED on my consumer report Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( CAPITAL ONE ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! CAPITAL ONE HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to CAPITAL ONE expressing my concerns via XXXX tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  personal loan and Wayfair credit card is at {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around early XXXX I began receiving suspicious bills, and debt collection notices from companies I have never had affiliation, credit accounts with as well as accounts I used to have but had paid off years ago. I did not pay attention to my credit for about a year, as I was homeless since losing my other home to foreclosure. After seeing this suspicious activity, I pulled copies of my credit reports from all the bureaus and saw many fraudulent accounts, addresses, and names associated with me. I slowly began to look into the matter and contact some of the account issuers and collection agencies yet they would not assist me despite being identity theft. Since I had been the victim of identity theft, I notified all of the accounts from the mail I received as well as all the credit bureaus ( Transunion, XXXX and XXXX XXXX I put freezes on all my credit files and filed an Affidavit of ID Theft with the XXXX. I also filed a police report with the local XXXX XXXX. I sent all my notarized evidence to all the credit bureaus as well as all of my signed and notarized Affidavits. Transunion responded to me today via mail that they are refusing to remove my identity theft/fraudulent items that I am the victim of.
Product: Credit reporting or other personal consumer reports

XXXX reporting of XXXX  days late payment is still not correct per previously reported on CFPB report # XXXX. XXXX claim that they researched and updated my account is incorrect ; My credit report still shows XXXX  days late for the XXXX XXXX mortgage account.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX 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, 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: Debt collection

I respectfully request Georgia Student Finance Commission to provide me with competent evidence that I have any legal obligation to pay them. 

- pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Pursuant to 15 USC 1962 c ( c ) and 15 USC 1692g ( b ), I am demanding that Georgia Student Finance Commission cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed the collections on my credit report I want the following deleted from my credit report the 19 inquiries and my name is also wrong on my credit report my name is XXXX XXXX XXXX anything else is not my name nor do I authorize it on my credit report I also want to take the personal statement off my report because I'm going to be applying for loans soon within a week I need emergency funds and I'm not able to get funding because of the incorrect amount of inquiries on my report and these collections that are reporting twice from the same company XXXX XXXXXXXX auto parts store. On my identity report that im going to be uploading on there are the accounts that aren't mines and is reporting inaccurately and my rights from the fair credit report act allows me to have any incorrect information on my report to be immediately deleted and not to be put on there ever again.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Product: Debt collection

CCS Collections reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021, and XX/XX/2021. I have no idea how CCS Collections received my personal medical information. I have not agreed to do any business withCCS Collections, I have not received any goods or services from CCS Collections, nor am I responsible for their debt collection purchase from their alleged client. CCS Collections, has flagged my credit before without first proving their account ( s ) belong to me. Each time CCS Collections failed to validate their debt. CCS Collections have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

Hello, Thank you for helping resolve my issue. I am writing to request the PNC banking bonus of {$400.00} for having completed the terms of opening, funding, maintaining appropriate balance, and receiving direct deposits of over {$5000.00}. 

The account has received multiple direct depostis, as coded in the statements, that qualify it to receive the bonus. On XX/XX/XXXX it received a {$5000.00} deposit for work. I called and asked an attendant after receiving the paycheck and she said it would qualify me for the bonus ; however, to make sure I received it, I had another direct depost issued to me on XX/XX/XXXX in the amount of {$5000.00}.
Product: Money transfer, virtual currency, or money service

BranchApp is scamming customers claiming to have a fraud prevention team they do not have. I have tried for months to contact someone in that department with no replies. They only replies sent are computer generated with no return address or contact person to reply to. I had unauthorized transfers of money from my account. I disputed the transaction and was told 10 days later no fraud was found, however trying to contact the deciding factor on that for more information on how no fraud was found have gone unanswered. I have emailed this department many times with no responce. BranchApp owes me {$650.00} that was lost due to fraud that could have been recovered by a bank with an actual fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IC Systems , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IC Systems , Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy from my consumer report because I notice errors in the public record section. Equifax agreed to the delete the bankruptcy then they reinserted the Bankruptcy to my consumer report. Please see attached document with the violation. 

Here below is the Public Record Information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original filing date XX/XX/2022 Latest status date XX/XX/2022 Reference number XXXX Equifax violated ( 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

A report from XXXX XXXX XXXX XXXX XXXX was showing an issue with the XXXX  XXXX issue. They used TransUnion XXXX XXXX XXXX which they had marked a Traffic Infraction as a Criminal case. I disputed the report immediately to both XXXX and XXXX on the same date. They responded saying it was accurate for which I sent documentation. On XX/XX/XXXX  They then updated the report and stated it as a Criminal/Traffic case which is still not correct as it was only a Traffic Infraction and held in Traffic Court XXXX - They added Traffic after Criminal on the report, instead of deleting the word Criminal. I again disputed the report. On XX/XX/XXXX They said they would not change it because they said that is how the County where I got the Traffic Citation was reporting it that way. I knew that was not the case, because if that was the case it would have showed the same word " Criminal '' only not the new updated issue as now " Criminal/Traffic ''. I complained again and they emailed and said they would no longer receive emails from me but would have to call. I called and waited over 2 hours on Tuesday but then had to take an important call. On Wednesday the XXXX after an over one hour wait, I explain the issue and asked again for it to be updated and I knew they were not doing their job and asked also to put a complaint in about the " dispute '' process to investigate the issue otherwise they would have found that it was only a Traffic Infraction. I received no communication that my call was even reported. I then called again today XX/XX/XXXX  again they said it was the Courts fault and it was how the Courts were reporting it and that I should request it expunged. Which I'd never heard of expunging a traffic violation. I did however, call the courts, they said they do not and would not have reported it as Criminal as there is no word on any of my Traffic Infraction or court proceedings that state it was Criminal but was a Traffic Court Issue. They did give me the number to call the Florida Department of Law Enforcement to ask about expungement but he'd never heard of that either for a traffic violation. I spoke with XXXX and it is true- they only expunge Criminal charges. Can't expunge a traffic infraction as it is not criminal. They also have it recorded that I have 2 offenses for the same traffic violation - when there was only one infraction. I have submitted a 4th request to have the record updated. I am filing this complaint for their incompetence as a screening company to investigate a dispute properly. This is affecting my ability to get a rental home as most property management companies will not take the time to actually see that it really was only a traffic violation for which I was Adjudicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the agency to ask them to remove my addresses and places of employment off of my credit report. One of my addresses I lived as a child. Someone had used my identity at that residence. Also I explained another issue was, I was victim of XXXX XXXX and was placed in XXXX XXXX for my protection. I was told by the judge my addresses could not be published without my consent due to my ex-husband having all of my personal information. I also explained in this letter how I had to contact the social security office due to my ex-husband using myself and my son 's social security number to purchase goods, services and obtaining apartments. I have been denied this request. I further explained there are court records to confirm my case and also I had to be moved while in XXXX XXXX due to a XXXX  attempt in my home by my ex-husband. There are many court documents backing up this information. I was told permission would have to be given for my address to be displayed publicly.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX XXXX violation 's that EQUIFAX are furnishing with the accounts. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX XXXX reporting 's. Every marking is a federal consumer rights violation, and each violates the Privacy Act of 1974, 15 USC 681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n, 15 USC 1681a and 15 USC 1681s-2.
Product: Debt collection

Calling Credit Coll at XXXX got XXXX XXXX He requested the address, I asked if they could confirm the DOB instead but they dont have my DOB on file so they asked for me to confirm my phone number instead. Once that was done I asked if I could settle this today for deletion as I never got a written notice to dispute. 
Getting transferred to his supervisor XXXX at XXXX, I let him know no notification in writing had been delivered to me. I also know they dont even have my DOB on my file.
Product: Checking or savings account

I closed my Citibank account over the phone because I no longer live in the US. I gave the new details of my Australian address explaining that I no longer live in the US. I had tried to update the address online but this was not possible. The amount of approximately {$640.00} was to be sent to me as a cheque. It has never been remitted to me and I am unable to speak to anyone to confirm where and when the money was sent. 

When I have tried to reach Citibank the touchstone service does not enable me to progress the call because it says 'account details are not recognised '. I have tried with my card, with my Social Security number and my tax ID but get the same response. 

Eventually I called the Branch directly. A woman gave me the name of the XXXX XXXX, XXXX XXXX, and reassured me we would call me. I explained I lived in Australia and she indicated that was fine, she would give him my number. I have never heard from him. I have tried calling the branch every day and more than 30 times and the message says all staff are with clients and puts me through to the touchtone service, which of course says my details can not be found. 
It has been impossible to speak with anyone further about this matter.
Product: Credit reporting or other personal consumer reports

Requesting for Reinvestigation and my refiling to XXXXXXXX XXXX XXXXXXXX. When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The XXXX XXXX XXXX must validate these accounts, this complaint to XXXX XXXX  XXXX is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they are totally erroneous.
Product: Checking or savings account

On XX/XX/year>, I noticed an ATM withdrawal from my savings account from an ATM in XXXX, XXXX. I live in XXXX- I was at work that day, and on top of that I've never even been to XXXX, XXXX  in my entire life. My debit card is in my possession at all times, including on this date. I called to cancel the card, and to report the fraud to their fraud department. The person I worked with let me know that in about ten days the money would be returned to my account. Around ten days later, I received a letter in the mail stating that no fraud had occurred and that they would not be refunding the money that was stolen from me under their watch. I called and initiated an appeal, and also to request the documents they used to come to their decision. To date, I have not received these documents. Each time I call Citizens Bank I am given a runaround and end up sitting on hold only to be told there's nothing they can do, over and over again. This is fraud and needs to be dealt with.
Product: Credit reporting 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 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 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 a reasonable cause to believe that the information is inaccurate.
Product: Student loan

I misdirected a mortgage payment using my banks bill pay. The mortgage payment instead went to GreatLakes Higher Education, with which I had an account five years ago but which I do n't anymore. I called and asked them to return the money after my mortgage company told me about the missed payment. Great Lakes told me they forwarded the money to XXXX, another student loan company. XXXX denies they received anything. The transfer of money happened XXXX XXXX. Great Lakes continues to refuse to return the misdirected funds. My banks bill pay says this is common and Great Lakes makes " XXXX '' on this sort of thing. I am very concerned about paying my mortgage and other expenses given Great Lakes refusal to return my money.
Product: Credit reporting

I can not get my credit report from none of the XXXX credit reporting companies? I need to remove a hard freeze.