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

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contactedXX/XX/XXXX and they are refusing to remove these fraudulent account as well asXX/XX/XXXX and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Equifax due to an error on my credit file XXXX XXXX XXXX XXXX XXXX I have disputed this account for over a year, and I have sent in certified Validation letters pursuant to the FDCPA 1692g Sec 809. requesting Validation of the debt and the method of VALIDATION and all correspondence provided to the creditor ] by Equifax and all documents the creditor has provided to Equifax Validating this debt but instead, all I consistently received was an E-Oscar electronic response stating Verified without any supporting document contrary to my Validation request, I would like this account to be updated as never late PAID AS AGREED or DELETED from my Equifax credit file within 15 days, I have attached my second dispute made online yesterday.
Product: Credit reporting or other personal consumer reports

Ive already tried to fix these false statements before. Instead more incorrect information popped up on my background check, including the same information that was incorrect. In the PDF picture I'm sending attached to this complaint highlights the incorrect information in red. 
XXXX. ) never been charged with XXXX. 
XXXX. ) every charge that has XXXX XXXX XXXX XXXX TN. Is NOT my address, nor has it EVER been. On page XXXX highlighted in yellow even says that it is not, nor has ever been my address. 
XXXX. ) on page XXXX my address is XXXX XXXX XXXX. 
XXXX. ) on page XXXX NEVER have I EVER been charged with a felony! For anything! I'm not a felon! So completely remove that from my background check! Please! 
That false information has cost me employment & has been resulted in the loss of a home & food in my sons mouth! 
XXXX. ) XXXX XXXX XXXX is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Equifax to remove a medical account from my credit report and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written several letters to XXXX, XXXX, XXXX  and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.
Product: Credit reporting or other personal consumer reports

XXXX is reporting that i applied for there credit card on my credit history. 
This is not true I have already told them that I was a victim of identity theft and someone has my wallet with my information. 
I have already informed XXXX but they are still reporting that I applied for there card.
Product: Credit reporting or other personal consumer reports

i have late payment in my credit report, im never pay late
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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

Three issues : 1 ) Charged {$82.00} in interest charges per statement with XX/XX/2024 due date. I pay the statement balance every month when I receive it via email. Based on the same statement, it looks as though the previous balance was {$16000.00} and I paid XXXX. So I must have accidentally paid XXXX dollar too little. However, that does not explain why I was charged {$82.00} of interest on {$1.00} of balance from the preceding period. I called on XX/XX/XXXX for an explanation and the representative repeatedly told me that I have paid every bill late since account inception. I told her I always pay the statement balance on or soon after the statement date and she remained resolute. I told her that I have never been charged interest until the statement in question. She remained resolute. 

2 ) Rewards points due from XXXX XXXX XXXX Credit Card, administered by XXXX XXXX, have not been reflected and available for use on XXXX XXXX XXXX  portal, administered by XXXX XXXX. I have called multiple times over the past couple of months, have been told they will fix it, and then receive no follow-up communication. The rewards program was my only reason for opening this credit account. 

3 ) Authorization declines. Since XX/XX/XXXX, the card is declined 90 % of the time when attempting to make purchases. It is frustrating, embarrassing, and inconvenient. I was planning on using the card as my primary means of paying for everyday items. In some cases, I didn't have an alternative means to pay. I have called several times and go through lengthy verification procedures and assured that both my card and the card used by my additional authorized signer would work. However, attempts to use the cards subsequent to these conversations continue to be declined. 

I will likely close this account at the next opportunity. However, I would like to ensure that the Rewards Points may be transferred to my XXXX XXXX XXXX account and that they will either remain there or I can use them, prior to closing the credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS REFUSE TO INVESTIGATE AND REMOVE THESE FRAUDULENT ITEMS AND YET TO PRESENT PROOF THAT THESE ACCOUNTS AND ITEMS BELONG TO ME I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX collection attorneys where I live levied my bank accounts, froze them the problem Im having is that the same attorneys Garnished my husbands wages on or about XX/XX/XXXX the judgment was satisfied on XX/XX/XXXX the same attorney I fired in a family law case has jumped into the collection business freezing or XXXX XXXX accounts XX/XX/XXXX. The very same medical facility that my husband just paid summoned me on XX/XX/XXXX XX/XX/XXXX I was XXXX for a due this company requesting again and again and being granted non wage garnishments of bank accounts the court documents state service for this non wage garnishment wage garnishment XX/XX/XXXX sent to a process server and returned to themXXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX where I remained until XX/XX/XXXX. This medical debt for {$1500.00} levy on our accounts for services I couldnt possibly be served for sending them to my address where my husband and I shared for 20 years now. He didnt understand it as he was already garnished, he tried to tell this company that I wasnt there and hadnt been, not once could they have sent a process server to garnish wages and banks sending them to my house. XX/XX/XXXX I was in a XXXX XXXX XXXX XXXX in XXXX Kansas far from my home in XXXX and being XXXX  the following month. The last job I worked ended XX/XX/XXXX I have XXXX XXXX XXXX XXXX XXXX XXXXXXXX making that very difficult to do my husbands income is all we have to try and pay the bills, mortgage and food for our XXXX XXXX XXXX son. Back taxes are now owed on our home, the state has already offset XXXX of our federal income tax return, we have applied for KHAF loans to pay our mortgage, insurance and now a bounced ach to utilities water and electric. {$450.00} on our water bill was paid by community action while we waite for KHAF funding.our water is going to be shut off again this week while my husbands paychecks smaller and smaller with hour cuts at his job. and Kansas is holding income tax offset we absolutely do not owe in fact 3 years we had a refund coming.
Product: Credit reporting or other personal consumer reports

EVEN AFTER BEING NOTIFIED THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I WILL BE NOTIFYING THE FTC THAT THESE ACCOUNTS WERE DONT FRAUDULENTLY AND MY IDENTITY WAS STOLEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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. Equifax states this debt has been validated, but in 2019 Equifax also validated that this debt did not belong to me case confirmation # XXXX A summary of the results are listed below : Trade : XXXX XXXX XXXXXXXX ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

I went for an auto loan about 1 year ago on XX/XX/2022, it was 5 hard credit checks that should just count as one.
Product: Credit card

Capital One Venture Convert Rewards tile does not work. 

Half of the times, when I try to convert miles to rewards for partner airlines, the capital one system blocks it at the authentication step. I have the same personal phone number ( registered in my own name ) with capital one for last 5 years or so and never had an issue until now. It keeps rejecting saying " unable to authenticate this number '' and after I talked to a customer serivce agent, its not mathcing the same number to the record on file. Its important to being able to transfer the points when needed to make best use of the promotion but Capital one just fails you and when you call for help they tell you that its your problem and there is nothing they can do. What a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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

They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.
Product: Checking or savings account

On XX/XX/year> transaction date a XXXX XXXX  withdrawal was made with my debit card. The posted date is XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I didnt do this transaction. I filed a request to dispute. Regions bank has denied my case because the card was present. I have the card! I escalated it to supervisor and still they wont give me my money back. Card has been canceled and new one sent. Its my main account! 
XXXX XXXX
Product: Credit reporting

I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and equifax and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602 . WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( S ) MAKING THEM NULL/VOID. I WASN'T AWARE THAT XXXX XXXX XXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY 3RD PARTIES ( CREDIT BUREAUS ) WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER. 

Account number XXXX
Product: Debt collection

After returning from my honorable XXXX XXXX I returned home from XXXX to XXXX, and during my transition my data was breeched
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a mistake reporting the wrong information
Product: Credit reporting or other personal consumer reports

Ive discovered erroneous information on my credit report as outlined by 15 USC 16c-2. I believe this information is incorrect and negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of a code : A filed requirement or provision under the law. 
XXXX XXXX XXXX  willfully failed to comply with 15 USC 1681s-2 ( b ) under the FCRA and is liable under 15 USC 1681n ( 1 ) ( A ) to XXXX XXXX XXXX am within the statute of limitations, per 15 USC 1681 p I am entitled to a private right of action The elements of my claim, factors that are met to make this claim is that I have disputed this info with the Credit reporting agencies. The Credit reporting agencies told you all ( the furnisher ), XXXX XXXX, and you as the furnisher investigated. The Credit reporting agencies failed to conduct a reasonable investigation. I have suffered concrete harm in damages due to this failed investigation. 
I, XXXX XXXX, the defendant am liable after a failed requirement and I am entitled to {$1000.00} per 15 USC 1681n.

As far as damages, I have suffered statutory, actual and punitive damages. Statutory damages I am entitled to {$1000.00} per XXXX5 USC 1681n ( a ) ( 1 ) ( A ). 
As far as actual damages, I have suffered denials due to excessive chargeoffs per XXXX XXXX and XXXX reporting agencies inaccurate reporting and failure to perform a reasonable investigation per 15 USC 1681o ( a ) ( 1 ). If XXXX XXXX and the credit reporting agencies wouldnt have falsely reported a wrongfully charged off account, then I would never have been denied in the exhibit attached. 
To state a claim under 1681s-2 ( b ), a consumer must : 1. Alert the credit reporting agency or CRA of a dispute regarding the allegedly erroneous information that it reported. 
2. Allege that the CRA alerted the furnisher of the credit information of the dispute, which triggers the furnishers duty to investigate. 
XXXX. Allege facts which show the furnisher failed to undertake a reasonable investigation of the disputed credit information and I have suffered damages because of that. 
And I have done all that, please see the attached invoice. These are serious violations of the FCRA and I now reserve the right to pursue legal action for this clear violation of FCRA! I demand that you immediately delete this account from my credit report or update it to paid in full and satisfied in order to avoid legal action, I will also fax this to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

This current {$99.00} annual fee is a charge imposed by Barclays bank against my will. I never give the bank consent to the {$99.00} fee for the fiscal year XXXX. I informed the bank after my first year. I do not owed {$100.00} Until now Barclays Bank has refused to remove the {$99.00} annual fee on the account ending in XXXX. Last year, I informed Barclays Bank that I did not want the card with the {$99.00} annual fee, and a Barclays Bank representative assured me that they would switch me to another card with no annual fee. 
If Barclays Bank decides to withdraw its offer, they are supposed to close the account instead of charging me another {$99.00} to renew the account for another year against my will. This practice is unfair, abusive, deceptive and constitute harassment. Also, it is a violation of my constitutional rights. 
You can not force a donkey to drink water if it doesnt want to. It is important to respect the free will and choices of others. Trying to force someone to accept something against his will is not productive and can lead to resistance or resentment. 
I am leaving you with those two quotes. When the rich steal from the poor, we call it business. When the poor fight back, we call it violence. XXXX XXXX XXXX mistake is forgivable because everyone makes a mistake. But gratuitous wickedness can not be forgiven because it is thoughtful, premeditated and intentional. XXXX XXXX XXXX XXXX
Product: Mortgage

My current interest rate is about 5.9 %. I started the refinance process with Citizens mortgage ( the branch in XXXX Michigan ) back in XXXX of 2021. I supplied my loan officer with every document that they requested. Now we are towards the end of XXXX and I have not closed on my loan yet. Had my loan closed, I would have saved a considerable amount of money. I have requested that either we close or my appraisal fee be refunded to me so I can go to a different organization. Despite my multiple attempts to get a hold of anybody that can help me, no one has responded to my phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX 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: Debt collection

My credit card debt is 14 years old, that is the last time I made a payment on any of my credit cards. The debt collectors have sent a letter letting me know that they have picked up my debt and want me to make payment. I called to try and set up payments but they declined my offer. Not sure how to stop them if they try to garnish my wages on a debt that is past the statue of limitations.
Product: Checking or savings account

On XX/XX/year>, I contacted Citibank at XXXX to close my Certificate of Deposit ( CD ). The original deposit amount was {$500.00}, and after two years, it had grown to {$540.00}. Despite my request, I have been unable to close the account. 

When I first called, the agent said she couldn't verify my identity and therefore couldn't assist with closing the account. Frustrated, I called again, and this time the agent assured me he had found my account, confirmed it was in the grace period, and promised to close the CD and issue a check, which I was told I would receive in 7-10 days. 

However, this turned out to be false. When I checked today, I found that the CD had been reinvested into a new term instead of being closed as promised