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

The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : 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 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 The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Opened in XX/XX/2019 - Paid in Full XX/XX/2019 - Reporting five late payments on my credit report although account was paid in full.
Product: Debt or credit management

Paid Lexington law on two different occasions. In XXXX and XXXX and didnt see not one change in my score. Charge me XXXX per month for nothing. The second time I was forced through a loan mortgage company to use them or I wouldnt be able to proceed with my mortgage loan. Same with quick and loan and theft management.
Product: Credit card or prepaid card

I was approached via email and telephone about an employment opportunity with XXXX XXXX XXXX  XXXX XXXX as a XXXX XXXX. I was offered a position and accepted. The company stated they were going to pay my personal credit card balances so that I could purchase XXXX products for export. Two separate bank accounts were provided and both have reversed charges back to my credit card. 
I am now {$43000.00} in debt to Discover, {$16000.00} in debt to XXXX, and {$13000.00} in debt to XXXX XXXX XXXX  XXXX XXXX. 
I have filed a report with the FBI.
Product: Debt collection

My original debt was included in my 2010 bankruptcy and National Collegiate Trust purchased it anyway. They continued to try and collect despite being notified on multiple occasions that the debt was no longer valid. I wrote letters to XXXX different addresses and included my bankruptcy paperwork. I also told multiple collection agents about the bankruptcy. They recently filed a lawsuit against me trying to collect the discharged amount plus the interest they tact on. Everyone should be aware of National Collegiate Trust. Force them to validate your debt and make them prove they are within the time frame to collect. I wish I had known to do that when I was wasting my time writing letters and telling collection agents this was included in my bankruptcy. They do n't care. I should have reported them a long time ago.
Product: Money transfer, virtual currency, or money service

I am attempting to initiate a wire transfer from my bank account at BMO Harris. However, I am unable to speak with anyone in the wire transfer  department in order to do so. I would simply like to speak with someone at BMO Harris who can help me with my transfer. I am attempting to purchase a home and don't have anywhere to live in 10 days. The burden on the consumer is unrealistic in order to access their money.
Product: Credit card

I contacted Capital One Bank regarding my credit card account between XX/XX/XXXX and XX/XX/XXXX regarding and {$XXXX} credit balance on my account. I asked for a refund check. I was told to verify my identity by receiving a text message, which I did. I was then asked to confirm the mailing address, which I did. I was then assured that my request wass successfully submitted and to receive the check within a couple of days. I was also told that the refund amount would be deducted from my account. As of XX/XX/year>, the balance hasn't been deducted from my account. I would like my check immediately issued.
Product: Checking or savings account

On XX/XX/year> It all started out I've had a family member of mine ( whom I will remain anonymous ) get access to my Wells Fargo CD savings by wanting to use my phone device for a phone call about an hour I Trustingly and mistakenly I agreed. A day or so after I discovered unauthorized purchases from XXXX of {$23000.00} worth of crypto currency through a company called XXXX, this is the 2nd time this has happened. Before I never knew until now my family member has since moved And I lost contact, anyway, Wells Fargo still believes I authorized these payments and denied my claim twice now saying I could of prevented it? How can I prevent a family member whom I once trusted scam me and disappear? It doesn't make sense for me to put {$20000.00} in savings just to make a big purchase! I need help emy money back since Wells Fargo has now removed my online access and restricted my debit card. I need help really bad.
Product: Debt collection

Disputed Debt and Lack of Proper Validation : PRA claims to have received documentation from Synchrony Bank regarding this account, but I have not received any valid proof confirming that I owe this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I am entitled to proper debt validation upon request. PRA has failed to provide this, and I am formally demanding that you provide the documentation that proves I am responsible for this debt.

Violation of Fair Credit Reporting Act ( FCRA ) : PRA has inaccurately reported this debt to credit bureaus, negatively impacting my credit score. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), PRA must ensure the accuracy of any information reported. Reporting this disputed debt without verifying its accuracy is a violation of my rights under the FCRA. Until PRA provides valid proof of this debt, I request that you immediately remove this account from my credit report.

Privacy Act and Identity Theft Concerns : The account in question was opened without my knowledge or authorization, and I have reason to believe that this could involve identity theft. PRAs use of my personal information without proper verification constitutes a violation of my privacy rights under the Privacy Act and the Gramm-Leach-Bliley Act. I request that PRA thoroughly investigate this potential identity theft and provide documentation that supports the legitimacy of the account. If no such documentation can be provided, the account should be immediately removed from my credit file.
Product: Credit reporting

I filed a dispute regarding a charged off account that is still show a balance when the balance is XXXX. They stated that the account is verified but they never send me how they got the account validated. Also I have inquires that are not authorized nor I received any credit from them. they are refusing to delete those inquiries. Charged off account have balance. NO CONTRACT the information is innacurate and I have notified them many times by phone an by letter.
Product: Credit reporting or other personal consumer reports

I filed numerous disputes to have an accurate and fair investigation into inaccurate information on my credit report. The company only updates the information on the accounts. I just filed disputes on inaccurate information with Experian Yesterday. Theres no way they did a proper investigation into inaccurate information less than 24 hours for 6 accounts.
Product: Credit reporting or other personal consumer reports

, I am writing to file a formal dispute regarding several unauthorized hard inquiries listed on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). These inquiries have negatively impacted my credit score and appear to have been made without my explicit consent. 

Summary of Unauthorized Inquiries : XX/XX/scrub>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 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 To my knowledge, I have not signed any documents authorizing the above-listed organizations to access my credit history. The FCRA Section 1681b ( a ) : Permissible Purposes of Consumer Reports, and Section 1681b ( c ) : Transactions Not Initiated by Consumer, clearly outline that credit inquiries require my explicit authorization. These inquiries appear to be a violation of federal law.

Requested Actions : Conduct a thorough investigation into these inquiries.

Verify if any documentation exists bearing my signature authorizing these inquiries.

If documentation exists, please provide a copy for my review.

Remove all unauthorized inquiries from my credit report.

Remove my personal information from the records of the organizations responsible for the unauthorized inquiries.

Provide written confirmation of these actions.

For clarity, I will only accept documentation that contains my signature explicitly authorizing the inquiries. If no such documentation exists, I expect immediate removal of the inquiries as well as confirmation that my personal information has been removed from the relevant organizations ' records.

Enclosed with this submission, I have provided copies of my identification and proof of address to assist in verifying my identity. 

I respectfully request your prompt assistance in resolving this matter, as the unauthorized inquiries have caused unnecessary harm to my credit score and financial standing. Please confirm receipt of this dispute and provide updates on the resolution process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent a settlement payment to Account Resolution Corp for 3 different medical collections accounts that are reporting on my credit profile. The agreement was that by accepting my 3 separate money orders, they agreed that accepting the payment, the accounts would be settled as paid in full, not as a balance update, and would additionally be deleted from my credit report, ( NOT just updated, but deleted ) They accepted the terms of the payment and instead of deleting they updated the account with the payment amount. Additionally the agreement was that the debt also would not be sold to any other third party or any other collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent Transunion a dispute letter 30 days ago and they have yet to respond. i believe that they are refusing to verify the accounts i asked them on what method they used to verify them and for them to show me a legal and binding contract/agreement, between myself and the creditor. they have to follow FCRA guidelines and they have failed to do so. the following accounts are : 1. XXXX CARD Account Number : XXXX 2. XXXX CARD Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX , XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score see attachments of the fcra violations
Product: Debt collection

XXXX JEFFERSON CAPITAL SYSTEMS LLC. 
{$650.00} THIS COLLECTION COMPANY IS NOT REPORTING ACCURATE INFORMATION THIS COLLECTION COMPANY PURCHASED THIS ALLEGED DEBT FROM ANOTHER COMPANY AND THEY ARE NOT SHOWING SUCH INFORMATION ON MY CREDIT REPORT. 

THEY PURCHASED IT FOR PENNIES ON THE DOLLAR AND THEY'RE TRYING TO COLLECT A FULL AMOUNT AND THEY ARE REPORTING A FULL AMOUNT WHICH IS NOT WHAT THEY PURCHASED THIS ALLEGED DEBT FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 25 hard inquiries on my report I didnt do. I also have multiple loans I didnt open on my report
Product: Debt collection

My name is XXXX XXXX DRS ( direct recovery service ) left a voicemail on my sisters phone without my permission which disclosed my personal information without my consent! The first time I called back XXXX answered I asked for the name of the company he refused to tell me and hung up in my face I never even got to what debt they were calling in regards to I was so upset theyre disclosing my information on voicemail!!
Product: Credit reporting or other personal consumer reports

My account with ( 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  ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe XXXX  to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 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 ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without authorization on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Hi NRA ; How r you? You are reporting wrong, incomplete, and unverifiable info on my credit report. This account was on my credit before and I had disputed and it was deleted. Now it re-appeared with the wrong open date of XX/XX/2020? What is the 1st date of delinquency of this account? This is causing this account to illegally re-age the way it's reporting and it's a violation. 

Basically, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from my XXXX  from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

I got a Capital One XXXX XXXX credit card that advertised 0 % APR for all purchases for 18 months. 

I kept a balance on the card for all my purchases. And every month, as advertised, no interest was charged on the balance I had. 

On XX/XX/XXXX, I called Capital Customer Service to check when the 0 % APR promotion would end. I was told the last date of the promotional rate was XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the entire balance so I would not incur any additional interest or fees. Yet, I was charged an interest of {$120.00} on XX/XX/XXXX. I noticed the charge on today ( XX/XX/XXXX ) and called customer service to get it resolved. 

Customer Service refused to help in any way - only to say I was misinformed on XX/XX/XXXX when I called in. 

As a matter of principle, I would like Capital One to stand behind what their customer service agents advised when I called in and reimburse me the {$120.00} that was wrongfully charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I submitted a FTC REPORT due to my credit file being impacted by the Equifax Data Breech. Disputes along with the FTC REPORT were mailed off to XXXX, Equifax, XXXX and as of Today XX/XX/XXXX. I have these accounts still remaining on my report. I need all accounts removed because it has affected my from receiving positive credit. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. I feel as though my consumer rights have been violated, please remove all accounts ASAP. All accounts were unauthorized and need to be removed XX/XX/XXXX : Account number : XXXX, This account was unauthorized. Can you delete this ASAP and send me and update. 
XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XX/XX/XXXX XXXX BANK XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. I see this account is still not remove. Please delete. 
XXXX - XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.XX/XX/XXXX XXXX XX/XX/XXXX| XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX OF XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, This was an unauthorized inquiry. Can you delete this ASAP and send me and updateXXXX XXXX XXXX XXXX : Account number : XXXX, This account was unauthorized. I see this account is still not remove. Please delete.
Product: Credit card or prepaid card

during the pandemic they froze my card on numerous occasions, and took of some money. thanks XXXX XXXX the amount was roughly XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed incorrect items on my report. Information was only updated, did not furnish any evidence that proves information is accurate
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates regarding their handling of an account on my credit report. Despite my efforts to resolve this matter through the proper channels, Portfolio Recovery has failed to respond to my requests for debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX