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

On XX/XX/22, I notified the consumer credit agencies of an account from XXXX XXXX XXXX XXXX on my credit file that is not mine. The account is still on my file as of right now. It has been over a month!!! According to 605 b of the Fair Credit Reporting Act, this item was supposed to be deleted within 4 business days after I notified them!! Also, nobody is allowed to put anything on my credit file without my written consent! I never gave anybody written consent. This fraudulent account is listed on my account as a charge off. That means they are committing tax fraud. They have taken a tax write off and sold the account.
Product: Debt collection

I have sent them a written request to validate my debt and provide me proof of my signature. I waited over 30 days and still have not received any response. They are violating my rights by not providing me proof of my signature.
Product: Debt collection

I had money taken without my knowledge out of my bank account in XXXX by my my adoptive parents whom I'm in a legal battle with over more than just the money they stole, right before I had a few bills due, they left me for dead barely able to survive and quite literally displaced for 7 months where I was severely malnourished due to lack of available food. 
I contacted the first debt agency to explain this and I thought they understood. I'm trying to say this in court in XXXX to have the debt transferred to my parents who's only goal was to ruin my life because they are mentally ill and extremely manipulative. 

I was contacted by XXXX XXXX XXXX by email with the title, five minutes or less to get this resolved ... what's that supposed to mean. I have to worry about getting killed on the public transit every day because I work in hostile neighborhoods and because of my parents actions legally I can not carry anything to protect myself and now I have to worry about a XXXX XXXX XXXX XXXX  be mugging me at the green line stop from the debt agency
Product: Credit card

Our company has been trying to use our business credit card which is the Spark Miles card which was issued by Capital One. They refused to allow us to use our credit card to make purchases stating it restricted it been like this for the past 7 months. We've tried to resolve it with them numerous times but to no resolutions. We refuse to pay a credit card that won't allow us to use the credit card not only does this affect our employees but also our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account showing up on my credit report. I dont recognize it nor did I authorize it. I submitted all the proper documents and Transunion is still reporting this fraudulent account on my credit report. 
Name of fraudulent account : USDOE XXXX Account # XXXX Amount {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint on this matter. Usaa sent my vehicle out for repossession status. I paid all back owed. Usaa is still improperly reporting past due on the account. I paid all past due balance, usaa is reporting wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. 

Remove these Fraudulent items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX  Account # XXXX ( XXXXXXXX XXXX, XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # 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
Product: Money transfers

A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally demand that you immediately correct my birthdate on my credit report. I have repeatedly submitted requests, along with official government-issued identification, including my drivers license and Social Security card, yet my birthdate remains incorrect on my Equifax report . 
Under the Fair Credit Reporting Act ( FCRA ) [ XXXX U.S.C. XXXX ], credit reporting agencies are legally required to ensure the accuracy and completeness of consumer information. Your continued failure to correct my identifying information is a direct violation of FCRA XXXX ( b ) and XXXX ( a ), which mandate prompt and accurate corrections to consumer reports upon verification of identity. 
Legal Violations by Equifax : Failure to Correct Inaccurate Personal Information FCRA XXXX ( b ) : My birthdate remains incorrect despite multiple submissions of valid government-issued documentation. Equifax is required by law to maintain accurate consumer records, and your failure to do so is an FCRA violation. Failure to Investigate and Correct Errors in a Timely Manner FCRA XXXX ( a ) : I submitted multiple requests to correct my birthdate, yet no action has been taken. 

FCRA XXXX ( a ) requires that corrections be made within 30 days, and your failure to update my information after repeated requests demonstrates clear non-compliance. 
Negligent and Willful Non-Compliance FCRA XXXX & XXXX : Since Equifax has refused to update my personal information, despite sufficient evidence, I have reason to believe this is a case of willful non-compliance. Under FCRA XXXX and XXXX, you are legally liable for damages, attorney fees, and penalties for failing to comply with federal law. 
Final Demand for Immediate Action I am formally demanding that Equifax immediately correct my birthdate on my credit report and provide written confirmation of this correction within 15 days of receipt of this letter. 
Failure to comply will result in the following actions : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office regarding Equifaxs failure to comply with FCRA requirements. I will seek legal action against Equifax for willful non-compliance and damages under FCRA XXXX. 
This letter serves as final notice. If my birthdate is not corrected within 15 days, I will have no choice but to escalate this matter with regulatory authorities.
Product: Credit card or prepaid card

Capital One, Amt {$10.00}, Due XX/XX/2021 My amount was {$10.00} due on XX/XX/2021. I called Capital One twice with long hold wait time, no one picked up the phone. My purpose of called was to dispute this amount because I was unable to recognize the charge. Since no one answered the calls, I decided to pay the amount on capitalone.com, then dispute the amount {$10.00}. My payment was submitted a few minutes after XXXX XXXX. Since XXXX XXXX  was their cutoff time, its website took my payment on XXXX instead of XXXX. I have called Capital One a few times just to advise them my payment and dispute situation. Unfortunately, it's a long hold wait time or no one answered the phone. Today the XX/XX/2021 at XXXX XXXX  I finally spoke with a Capital One supervisor named Ms. XXXX, ID : XXXX. I explained to her the situation about why payment was submitted passed XXXX XXXX. She put me on hold 70 minutes for another manager, then she told me that she can not adjust {$28.00}. She refused to provide another manager name. She was very rude and hung-up the phone. I strongly believe that during this Covid crisis Capital One should be more understanding this economic difficult time.
Product: Checking or savings account

I had an account with you guys and every time I tried to deposit a check it would put my account in the red
Product: Mortgage

I have written 27 pgs. for this complaint so I am attaching those pages. This has been a nightmare with this company.
Product: Credit card or prepaid card

I made a purchase in on XX/XX/XXXX never got my purchase delivered ask for Direct Express to refund my money sent them the tracking number where it showed that it was stopped at customs in XXXX XXXX as final status. I explained that I never got my log splitters that I paid for but Direct Express would not reverse the charges. I made a complaint to Senator XXXX XXXX office and they referred me to your department. Could you please help me recover my funds. The card used at the time of the fraud was XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX I immediately cancelled that card and they issued me a new card XXXX XXXX XXXX XXXX Master Card XX/XX/XXXX. 
17 Track tracking number is XXXX XXXX XXXX last update was XX/XX/XXXX. Did not make it XXXX SC. I Never got these three items I bought two at at XXXX and another purchase at XXXX because it was such a great deal. This was a scam. Phone number on card for customer service is XXXX but that number will put you on hold for hours and then hangs up on you.Comerica fraud center number is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting

Equifax removed several fraudulent accounts from my credit and then they out the fraudulent entries back on my credit. I have been going back and for the with this company for almost XXXX months now about this issue. I have sent them an id theft packet and I supplied them with a certified police report along with some XXXX card in the police records department. 

Also they have blocked my credit so that I no longer have access to XXXX.
Product: Debt collection

ERC was contacted and told that in Texas the statue of limitations of original debt is four years, Texas Statue Section 16.0004 ( a ) ( 3 ). They recieved the XXXX XXXX XXXX Debt on XX/XX/XXXX, the original collections dates to XX/XX/XXXX. I have requested that they remove it immediately from my XXXX file and they are not doing it. I have
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things that have happened : XXXX XXXX : On XX/XX/2022, it says that we had a late payment on all three of my credit bureaus. The payment was processed through their portal but it did not go through and I was never notified even though I received a payment confirmation. 

XXXX XXXX : This account was opened in XXXX through XXXX XXXX XXXX XXXX for a new mattress. I was told that I would receive information on how to pay my bill in the mail. Nothing ever came. I called XXXX at least 3 times trying to get information on how to pay. The automated system would hang up on me because I didn't have an account number, but I didn't know the account number because I never received anything in the mail. They then texted me on XX/XX/2022 to call them to make a payment. Relieved, I called them, made the payment and the money was drafted over the phone. Then they charged me for a 30 day late. They would not remove it on their end and told me there was nothing I could do. 

Multiple Inquiries on my credit report : I tried to get a business loan through an online lender and they gave my confidential private information to 3rd parties who have continually run credit checks on my account. I'm livid. I think there are 30 different inquiries right now.
Product: Debt collection

A collection company is reporting false statements of a debt that is not mine. I never opened any accounts with XXXX listed on XXXX XXXX  or any other credit reporting agency. The latest email alert from XXXX XXXX states that this remark is negatively affecting my credibility. My personal credit report information was bought by the reporting collection company. I have no account number to reference because none in is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX Account # 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.
Product: Credit card

My credit cards were stolen XX/XX/2016. When I called into Captial one regarding the issue, I was advised that the case had been created and a case specialist would follow up with me within XXXX business days. Once the month of XXXX was up and I did not hear from capital one, I called the credit card company to inquire about my case and was advise the " case had not be opened '' by a representative by the name of XXXX on XX/XX/2016. After I was told the case was not initiated, I asked XXXX to created the fraud case for me. Again, I was advised to wait 10 business days and the case specialist would contact me. 

I did not hear anything by XX/XX/XXXX, so I called back that Friday, XX/XX/XXXX, spoke with someone by the name of XXXX who claimed to be my case manager. I explained the situation to XXXX and let he know the changes from XX/XX/XXXX were fraudulent. She explained that she would need more time to investigate and would contact me in 10 days and I would be receiving a letter in the mail She explained the process and said I would receive a credit in the balance that was fraud. She also claimed that a new card for each account would be sent to me. 

After a week elapsed, there was no credit card. It is now XX/XX/XXXX. I reached out to capital one and was told that card was sent and maybe it is taking a little while to reach me. After another week, I called to have the cards that were sent as replacements canceled and to send another set of replacements. 

( While experiencing this issue with not receiving cards, my account was not credited during the entire month of XXXX ). 

XX/XX/XXXX, I was able to speak with XXXX again and was told that the investigation was still be processed and that I would hear back in 2 weeks. 

In on XX/XX/XXXX, I called back to have checked the status of my accounts and inquire about the location of my cards. When I was routed to customer service the agent asked me to verify my mailing address, which I provided every time I called in, and I advised my cards has been sent to the incorrect mailing address twice. However, since my cards were being investigated, he was unable to process the replacement and I would have to speak with my account manager, XXXX. After being told this, I asked to speak with here to which I was advised she was unavoidable and would give me a callback. 

The rest od the month of XXXX consisted of me calling Captial one to figure out what was going on with my account a trying to get in contact with my account manager. All the while, capital one is charging interest and late fees. 

I spent XX/XX/2016 calling into capital one and being transferred to different departments, so much so, I was unable to keep a record of the calls and dates. The frustration and time spent has been colossal. 

I was and still am unable to get in to contact with XXXX ( XXXX ) and my credit score is being affected by this.
Product: Credit reporting or other personal consumer reports

On credit report us dept of education Has 2 accounts open for XXXX XXXX XXXX XXXX XXXX Stating account was opened in XXXX Which i didnt open a loan from the said creditor.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided to me by your agency. 
This dispute is being made under my rights outlined in the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy and fairness of the information contained in my credit file. 

The item ( XXXX ) Account name XXXX XXXX XXXX Account number XXXX Account info " This account does not belong to me, '' Account name XXXX XXXX XXXX  Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX  XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Under the FCRA ( 15 U.S.C. 16811 ), you are required to investigate my dispute within XXXX  days of receipt of this letter. If your investigation does not result in the removal or correction of this information, I request that you provide : XXXX. A detailed explanation of your investigation process. 
XXXX. Copies of any documentation you used to verify the information 's accuracy. 
If the information can not be verified, it must be removed from my credit file. 
Please notify me in writing when the investigation is completed and provide an updated copy of my credit report reflecting the corrected information. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. Please feel free to contact me at XXXX or XXXX if further clarification is needed.
Product: Credit reporting

someone stole my Identity to open accounts in my name due to fraud. 

My social security number was stolen to open fraudulent accounts under my name. These are not my accounts are not my mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report and the FCRA 605b ( 15 U.S.C. 1681c-2 )  statement to have an account from XXXX removed and the account was not removed. The FCRA 605b ( 15 U.S.C. 1681c-2 ) states that : a consumer reporting agency shall block the reporting of 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 by such agency. This was not done. They just did they regular dispute process and they did not remove the account.
Product: Credit card or prepaid card

Chase decreased my credit limit without warning from XXXX XXXX to now just XXXX which is a XXXX decrease for no reason. When I reached out to Chase, Chase Bank gave no real explanation for the decrease. This has adversely affected me as I have had good credit with an exceptional payment history on all my credit accounts never ever late for over 15 years. Which I pride myself on always paying all my bills on time. I also Just paid off an auto loan in XX/XX/XXXX that is almost XXXX XXXX without any missed payments. When Chase Bank decreased my account it again adversely affected my credit score and caused my credit usage to Increase substantially in percentage from 35 percent to over 70 percent Chase has decreased my credit limit for no reason on my Chase Slate Card. I opened my Chase Slate card in XXXX. In almost 10 years my payment history is outstanding never missed a payment and I always pay more than the monthly payment amount. 
On XX/XX/XXXX, unbeknownst credit usage. A good credit usage is around 30 percent credit usage. A high credit usage of 50, 60, and 70 percent usage is not good. I have requested to have my balance reinstated which I could within one year and I have been denied. I have also been denied by Chase to increase my credit limit to any amount less than the original XXXX XXXX credit limit. I have also been denied for any balance transfer as well. Chase now claims my debt is too high to increase my limit which is false. Im not nowhere close to maxing my credit cards. I also currently have close to over XXXX XXXX available credit I dont feel this is right. This has caused me mental distress, and pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three issues With TransUnion that I believe in direct violation of my consumer rights. First, will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address and report my legal name. I sent the required identification requested by TransUnion. XX/XX/XXXX sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I received a letter from another dispute. I notice that TransUnion re-inserted the deleted name without informing me in writing that they were re-inserting the deleted address. Second. TransUnion is reporting a collection that the 7 year time limit has expired for XXXX XXXX XXXX XXXX reviewed their files and admitted that the statute of limitations ( SOL ) had expired. Tennessee statute of limitations is 6 years. XXXX XXXX   states that the account in question expired XX/XX/XXXX XXXX XXXX   informed me to contact TransUnion. TransUnion have been informed formally several times. TransUnion has reported this account 2 years beyond SOL years. I have formally disputed this era to TransUnion several times. Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. TransUnion was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to TransUnion XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX TransUnion sent a letter stating bankruptcy dispute have been verified. XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report for the first time in a long time and noticed that XXXX, Equifax, and XXXX are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

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 or other personal consumer reports

No correct authentication process done for listed open collections accounts on my credit report. All three bureaus listed open accounts for : 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