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

Today is XX/XX/XXXX and since XXXX I have disputing with XXXX that my credit report was incorrect and that the information on it needed to be corrected and placed back on my credit report. I had fraud on my credit and I notified the police and the three credit bureaus and XXXX is the only bureau to date that still hasn't fixed this error. 
I have had two credit cards with Capital One one since XX/XX/XXXX and the other since XX/XX/XXXX both accounts were NEVER to be deleted or closed. XXXX claims that they received a letter from Capital One that stated they needed to close and delete these two accounts. Well I contacted Capital One and they told me that they never sent anything nor did they close my two accounts and that they both are in good standing and that they have reporting to the three bureaus monthly since I opened the two accounts. So I called XXXX  back and asked to speak to a supervisor and explained everything I was told that Capital One requested these be closed and we did it and there isn't anything that could be done. I spent week after week calling to get someone to give me a different direction to go in and finally in the beginning of XXXX after calling and mailing out reports and back proving these accounts belonged to me I spoke to a supervisor whom informed me to have Capital One call the business department. So I did and the supervisor from Capital One called the business department while I was on hold with her and they told her that they rejected the request but NO ONE form XXXX  notified Capital One nor myself to let us know this had happen. Now the supervisor form Capital One states to the business department that these accounts are active and our customer has both cards what should she do to correct this issue, she was told that she needed to have me reach out to the consumer department and let them know these are infact my cards. 
So after she gets off the phone with the business department and tells me what they said I was XXXX. So i got off the phone and called the business department myself and the person that answered the phone told me they can't speak to me as I am not the business, I asked her to hear me out so she did while I was explaining the issue from XXXX till now she tells me i believe you because this story sounds just like the story I just heard on a previous conversation. I told her so what can be done because NO ONE will correct this. She tells me to have Capital One call back and ask for her and they will work on it. So I did the Capital One supervisor called and sent over TWO accounts to XXXX   that needed to be reinserted and as of XX/XX/XXXX XXXX has only put one of my accounts back on my credit report. So I would like someone to MAKE XXXX correct my report once and for all and update my credit score as it is INCORRECT. I am tired of disputing the same thing over and over again.
Product: Credit card or prepaid card

Continue to switch debt collection agencies. Each debt company states that they are working for American Express but continue to contract my family members and act like they have no information on me.
Product: Checking or savings account

To Whom It May Concern : I was falsely accused of fraud by Capital One on a cashier check that was purchased from their branch location and deposited in my XXXX XXXX account on XX/XX/2020. 
To this vary day, Capital One Bank has not stated in writing what are the specifics of their accusations or sent any letter. I've request three separate times a letter explaining what's going on and they have ignored the request 3 times. They have wrongfully tied up a significant amount of my funds since XXXX. This have cause much hardship for my family. XXXX XXXX was instructed to send the funds back to Capital One. I have been kept in the dark with no explanation on why the funds had to be returned the whole time. XXXX agrees with me that there was no fraud committed after they requested that I submit documented proof of the transaction in question. XXXX told me that they have to follow timely guidelines in order to send the funds back. My main complaint is that Capital One should have never reported to the opposing Bank that it was fraud period. Capital One has abused their authority and cause financial hardship and suffering for no justified reason. After over 70 days, I still don't have my funds back.
Product: Credit card or prepaid card

I learned on XXXX XXXX that I would not be receiving a tax refund because of a debt I owed to AAFES. I have never opened any kind of credit at any military store. However, back in XXXX, my spouse attained credit and had one in my name, which he got without my knowledge or approval. It seems to be a very easy process for soldiers to get this credit with little background or steps to protect the person who name is on the card. I find this very unfair. No one should be able to get a card or credit without a signature or some kind of identification. Im not sure when he got this credit, but the collection people said that it was sent to them in XXXX. This is the second time they have given him a card in my name. He has charged over XXXX dollars on this particular card. I am tired of him getting away with identity theft. We are seperated and he is using my info. which of course he knowes by heart after being married for 30 years. But for these malice actions, our marriage is about to come to an end, but in the mean time, im trying to put an end to him trying to destroy my credit. I refuse to pay this debt. Im sorry, but its not fair to me. This account was opened without my knowledge, and should be closed immediately. I will never open a line of credit with AAfes or any other Exchange.
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXX XXXX XXXX. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take six months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), the XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both the XXXX  and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to Experian, XXXX, XXXX or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and Experian, XXXX, XXXX etc XXXX the person '' making the report.
Product: Credit card or prepaid card

I made a payment in the amount of {$3100.00} to be credited to my Bank of America Alaska business card ending in XXXX. However, I accidentally made the payment to my personal Alaska card in XXXX. After I realized the error I called Bank of America and requested the payment be transferred to my business card ending in XXXX on XX/XX/2022. The payment has not been transferred, no updates. Payment is due on XX/XX/2022. I am concerned I will incur interest and late fees. I have called 6 times to inquire about the status of the transfer and no update.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visiXXXX XXXX XXXX XXXX or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXXXX/XX/year>
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$730.00} 3B Account Name : XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account XXXX : XXXX XXXX XX/XX/XXXX - Balance : {$4000.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$5100.00} Account Name : XXXX XXXX XX/XX/XXXX - Balance : {$320.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX XXXXXXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$140.00} Account Name : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - Balance : {$1900.00} Account Name : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1700.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$1800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I wired {$5000.00} to coinbase, inc on XXXX XXXX, 2017. I did not include the account reference code in the wire. 

I contacted Coinbase customer support and they promised a wire reversal. Weeks have passed. Repeated attempts to contact coinbase again regarding issue was unsuccessful.
Product: Debt collection

I have received " this is a notice to collect a debt '' in regard to XXXX XXXX XXXX XXXX, informing I have/had debt with them. I requested documentation per 15 U.S Code 1681b, in which I have NEVER received any information or communication from them. I have received a judgment from Scott & Associates informing garnishment of wages, on behalf of XXXX XXXX XXXX, whom also did not send or notify me of any alleged debt. NO ONE of XXXX parties, including a company of XXXX XXXX XXXX XXXX who also did not send documentation upon request. This alleged debt seems to have gone through several agencies without my knowledge from the original creditor XXXX XXXX XXXX XXXX, and now Scott & Associates are trying to collect and sue me for something I have no knowing of. Scott & Associates is also trying to collect debt on an account with XXXX, which was possibly sold to XXXX XXXX XXXX XXXX XXXX in which I had no knowing of either. 

Creditor Acct # : XXXX XXXX XXXX / XXXX XXXX # : XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX ( UNKNOWN AMOUNT ) Creditor Acct # : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$2600.00} Please be mindful, 15 U.S. Code 1692g-Validation of debts and 15 U.S. Code 1692e-False or misleading representations. 

The following bureaus XXXX, XXXX, and XXXX are also in violation of my rights due to furnishing such information upon not verifying in due of the proper channels and procedures. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) and 15 U.S. Code 1681e ( b ) accuracy of report. 

All parties will be mentioned in regard to the appropriate account number/info I have thus far. Upon listed on my credit report.
Product: Credit card or prepaid card

Synchrony Bank, Formerly GE Capital Retail Bank, keeps lowering my credit limit on my XXXX XXXX store card. This card is the only card that keeps lowing my credit limit. By lowering my credit limit they are hurting my credit score, this is effecting my available credit ratio, and decreasing my purchasing power. 

I also have not received my last two statements. 

I've talked with Synchrony Bank about this. I've talked to my local XXXX XXXX store manager about this issue multiple times. He tells me there is nothing he can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting or other personal consumer reports

I am writing to strongly contest the recent rejection of my identity theft claims and to assert that, according to the legal procedures and requirements, these claims should not be invalidated. 

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. 

In particular, I have : Submitted an identity theft report with the Federal Trade Commission ( FTC ). Placed a fraud alert on my credit reports in compliance with the recommendations of the FTC. These actions were taken in full accordance with the law to protect my rights as a victim of identity theft. 

It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. 

I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. 

These are the accounts that was a result of ID-Theft : 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: Money transfer, virtual currency, or money service

Klarna refused to remove card ending in XXXX AFTER XXXX XXXX denied my purchase.
Product: Credit card or prepaid card

Good Afternoon, I recently opened an account because of hearing good things about AMEX Gold cards. However what the package delivery stated it was delivered, I never received the package. I decided to call AMEX customer service to assist me, I ended up speaking with XXXX employee number XXXX over the phone at XXXX XXXX, he made the phone call uncomfortable and gave a condescending attitude. He was questioning me how could the package not be there as its my fault that I dont see it at the door, maybe someone couldve stole it. He made the whole situation argumentative and probably didnt cancel the card, if any charges are made on that card even when i reported it as not received, I shall not be liable for it. XXXX has awful customer service, and gave me a very first bad impression. 

Now I have an account under this carrier but have no card to use it, they are refusing to give me a replacement card, even when I told them i never received the card.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Consequently, several fraudulent accounts and unauthorized inquiries have appeared on my credit report. In accordance with my rights under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9300.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9200.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$13000.00} Unauthorized Credit Inquiry to Be Removed : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry XXXX XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/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 # XXXXXXXX XXXX XXXX, Account # 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: 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. 
XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 XXXX 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

LVNV Funding open account XX/XX/2022 for {$830.00}