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

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit card

On XX/XX/year> I booked a flight from XXXX XXXX to XXXX round trip on Capital One Travel ( their travel portal ) using my Capital One Venture X Credit Card. This flight was listed as Fully Refundable with advance flight change allowed for free. I took a video going through all the details of the flights, including those points ( with green check marks next to them ), right through to clicking 'confirm and book ' and receiving my confirmation. The video runs about 2 mins and is 200mb so I can not upload it here but is available if you can give me another means to send it. About a week and a half later on XX/XX/year>, capital one travel offered a promotion for {$100.00} off a XXXX XXXX flight during the period in which I was planning to travel. So I booked a second ticket using the promotion as it saved me money. When I tried to cancel my original, more expensive booking, I was then told that my ticket was non refundable and not changeable. I told them that this was not the case and I have the video of making my booking to prove it. They denied my refund. I also got an email informing me that duplicate bookings were made, and if I did not cancel one, the newer one ( which was the cheaper one I wanted to keep ) would automatically be cancelled. So I had to cancel my original even as they didnt give me a refund or I would lose my promotion ticket that I wanted to keep. Capital one travel sold me a ticket that they listed as refundable, then refused to refund me when requested. Even today, on XX/XX/year>, a day after I made the cheaper replacement ticket booking, and 10 days after making the booking I cancelled, the exact same flight is still being listed for sale as fully refundable with changes allowed on their travel portal. In fact, all of their XXXX airlines flights available on that date was listed that way. Yet they won't refund me for my ticket. I even took a picture of a different flight as reference where it actually says changes not allowed specifically, to show how it comes up differently if it was actually supposed to be non-refundable
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never opened an account with XXXX XXXX. Maybe it is identity theft I don't know. 

XXXX XXXX XXXX XXXX XXXX/CHARGEOFFCredit Cards {$1700.00}
Product: Credit reporting 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  ) 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

Jefferson Capital Syst, XXXX, XXXX and XXXX has submitted a debt on my credit without my consent, according to 15 U.S. Code subsection 1681s-2, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California law, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. 
Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the company dated on XX/XX/2020, regarding inaccurate information that is in my credit file for the company. The company responded with a card, then a Dispute Results Letter dated on XX/XX/2020, but did not correct all the inaccurate information in the Public Records section in my credit file. I sent a Method of Verification Letter dated on XX/XX/2020, exercising my rights under the Fair Credit Reporting Act ( F.C.R.A ) 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

The company responded with a card that states they have 30 days to respond but as per the Fair Credit Reporting Act, the company has fifteen ( 15 ) days to respond to the Method of Verification Request. 

The company failed to respond to the Method of Verification Letter in the time allotted under the Fair Credit Reporting Act.
Product: Debt collection

In XX/XX/XXXX it said I opened a XXXX account I was only XXXX I could n't open a account for myself someone used my name. When I checked my credit score XX/XX/XXXX I  noticed I owe {$570.00} and I disputed because it wasnt my account and I never received a bill to my house. In XX/XX/XXXX I spoke with a representative they agreed the account wasnt mine and that I could go back to XXXX again. She never told me to send in any documents because I didnt have any it wasnt my account. I spoke with them today and they told me I had to file a claim to get it off my credit
Product: Checking or savings account

XX/XX/31 i disputed charges ... .ONE DAY LATER it was denied not even long enough to investigate. i had over XXXX taken off my card while my phone was broken and now me and my kids nay not be able to get into our place we needed this for the down payment
Product: Credit card

LVNV FUNDING ( XXXX XXXX XXXX XXXX ) has been illegally reporting my information to Consumer Reporting Agencies ( XXXX XXXX, XXXX and XXXX ) 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports States that any consumer reporting agency my furnish a consumer report under the following circumstances and no other : 1. in accordance with the written instructions of the consumer to whom it relates I did not give verbal or written consent for my information to be reported to any consumer reporting agencies. This is a clear violation of my rights under 15 U.S. Code 1681 ( b )
Product: Credit card or prepaid card

Unrecognized accounts on credit report I didnt make
Product: Credit reporting or other personal consumer reports

I recently checked my credit report & noticed some inquiries that don't belong to me & I ask that they be removed from my credit report thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

USAA HAS NOT CORRECTED ERRORS FROM XX/XX/2019 STATEMENT. ** MERCHANTS JUST REFUNDED CREDITS XX/XX/2019 HOW COULD THEY POSSIBLY BE NEW PURCHASES XXXX??? See attatched XXXX XXXX XXXX XX/XX/2019 {$200.00} & {$280.00} REFUNDED NON DELIVERIES. See attatched XX/XX/2019 NEW PURCHASES {$200.00} & $ XXXX I DID NOT AUTHORIZE TO PURCHASE OR BUY BACK. USAA DOES NOT CORRECT BILLING ERRORS OF 2019.
Product: Debt collection

On XX/XX/XXXX, I received a consumer copy of my credit report and found multiple erroneous entries, including a collection account owned by Mariner Finance ( account number XXXX ). On the XX/XX/XXXX report, the DLA for the account reported as XX/XX/XXXX. Over the next 10 months, I successfully disputed and was able to have removed all false tradelines in question, except for Mariner. On XX/XX/XXXX, I received an annual copy of my credit reports from XXXX, XXXX, and XXXX. The tradeline was still reporting with a DLA of XX/XX/XXXX. On XX/XX/XXXX, I received an updated copy of my 3 credit reports as a result of disputing one of the other false accounts and Mariner tradeline continued reporting with the same DLA. On XX/XX/XXXX, I sent Mariner a written request by certified mail to verify the debt belonged to me, notifying them that I believed the debt not to be mine. I requested validation of the debt including : 1 ) An explanation of what this alleged account balance was for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount was correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that granted Mariner the authority to collect on this alleged debt. 
5 ) A copy of Mariner 's state license, including license number. 
Mariner did not respond to my request. On XX/XX/XXXX, I received a consumer copy of my credit reports from all 3 bureaus and the tradeline continued, DLA was still being reported as XX/XX/XXXX ; however, a new hard inquiry from Mariner on XX/XX/XXXX appeared on my credit report. I did not authorize this inquiry and have not applied with Mariner for a line of credit. Most recently, on XX/XX/XXXX, I was notified by my credit monitoring service that Mariner had updated their tradeline 's DLA to XX/XX/XXXX! I received no correspondence from Mariner, despite my request and attempt to confirm this debt as valid in XXXX! And in XXXX, the DLA was suddenly moved FORWARD XXXX XXXX years!! Unless resolved, this will result in this debt being falsely reported on my credit for a total of 13 years! Between XXXX, I made no payments on this debt, have not acknowledged this debt as mine, did not attempt to make payment arrangements with the creditor, and have had no communication that would have reset the date of last activity. I believe Mariner has illegally re-aged this debt to prevent it from falling off of my report in 6 months. 
I submitted a dispute to all three credit bureaus listed above, on XX/XX/XXXX and was notified on XX/XX/XXXX that Mariner had " reported the debt as verified ''. Mariner has been unwilling to provide documentation proving that they could have accurately verified this debt, at my previous request. Mariner has persisted with reporting inaccurate information to the credit bureaus which I believe to be a violation of my rights.
Product: Debt collection

Repeated phone calls Ive asked multiple times for them to stop calling now Im getting phone calls where I answer and no ones on the other line and its just silent
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

I was ripped off owing more than the car was worth. I purchased a XXXX XXXX XXXX in which I was charged XXXX for the car financed through Chrysler capital. I was tricked when I signed everything I was told to come back in and resign another copy not showing that I was charged XXXX until after I got the receipt and notice later what they had did. This happened XXXX XXXX XXXX had went bankrupt I would have sent it back but I was promised I can get refinance with a better interest in much lower payments from the redemption center but was turned down because of the high equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that XXXX XXXX on behalf of JcPenney is reporting to the credit agencies that they filed suit regarding my account. At no time have I been notified or was notified that XXXX XXXX   filed suit in XX/XX/XXXX. How can this be if the account was opened XXXX XXXX. This account didn't become late/become a bad account until XX/XX/XXXX according to XXXX XXXX XX/XX/XXXX response ( letter attached - 4th paragraph ) to a another CFPB complaint that I filed therefore why would XXXX XXXX file suit. In addition, there is no information indicating that they filed suit any of the prior complaints that I filed about XXXX XXXX. 

I never received a letter, call and nor was I served regarding this account. 

I want XXXX XXXX to delete their tradeline/public record information from all of my credit reports : XXXX, XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX, everything has to be 100 % accurate on my credit report. 
There is a significant inaccuracy on my Credit Bureau Equifax by XXXX XXXX XXXX During the peak of COVID I discovered credit fraud with a false account under my name. I contacted the Equifax about this and was told to fill out an identity theft report with the Federal Trade commission. I did this and everything that was asked of me to submit and complete. 

The credit bureaus stated my account was properly investigated but how is that possible if one account has completely inaccurate information and the other account does not. 
This proves that my credit was fraudulently used by someone other than myself and this is grounds for removal as this clearly violates my rights under 15 U.S.C 1681 section 602 A, which states I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Credit Bureaus took more than 30-days to complete my investigation which shows in my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file. all data that is inaccurate has been listed in the files below. checking my credit files none of the credit reports are accurate on all 3 reports. this is violating my consumer rights. please review an remove the items listed submitted in the filets clear all inaccurate data on my credit report asap.
Product: Bank account or service

On XX/XX/2017 I counted my money in preparation to deposit in my business checking account the next day, i had a total of {$6300.00}, i am sure i strapped {$5000.00} worth of money. XXXX bundle of $ XXXX= {$2000.00}, XXXX bundles of $ XXXX {$1000.00} for a total of {$2000.00}, and finally XXXX strapped bundle with {$800.00} worth of {$20.00} 's and {$200.00} worth of {$50.00} 's equaling {$1000.00}. That totaled {$5000.00}. the remaining money was loose money of various denominations for {$1300.00} The next day on XX/XX/2017 at aroundXXXXXXXX i entered wellsfargo at XXXX , FL XXXX to deposit money for my business bank account. the teller XXXX took my money and used the counting machine, his back was turned to me and he was covering the machine with his body. the counter was high and from my view i could not see the led read out of the machine that gave the total. he proceeded to use the machine the first {$2000.00} bundle was correct. the second bundle of {$1000.00} was correct, the next bundle of {$20.00} 's was short {$200.00}, i thought he miscounted or the machine was n't set to count the right amount of money because of the inclusion of {$50.00} 's. He said he had the other bundle that had the {$20.00} 's and {$50.00} 's mixed together and proceeded to remove XXXX {$20.00} 's to make the previous short bundle of {$20.00} 's to total {$1000.00}. He counted the remaining money using the machine. I told him i had a total of {$6300.00}, but he counted the money again and said it was short {$200.00}. He gave me readouts from the counting machine for the loose money but did not give me a readout for the grand total. I withdrew {$100.00} from my wallet and {$100.00} from my personal checking account to make the business deposit whole. I can not stop thinking that when he was counting the money with his back turned to me that he could not have slipped money into into his open suit.
Product: Debt collection

I received a statement from Credit Service Company Inc. ( The Accounts Receivable Professions ) listed at XXXX. XXXX XXXX, XXXX  XXXX, CO XXXX marked XX/XX/2018. They stated I owe {$1000.00} for a Hospital Visit. I have record that all bills have a XXXX  balance from any time I was hospitalized in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion and XXXX on XX/XX/2023 my tracking numbers where for XXXX XXXX .... for transunion XXXX and for XXXX XXXX involving XXXX XXXX XXXX account XXXX However they said that they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

this account has several inaccuracies and this account needs to be deleted right now
Product: Credit reporting or other personal consumer reports

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. 

Account : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX was already removed from my Experian report because they failed to provide proof of this account being mine, but XXXX and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. 

Account : XXXX XXXX  Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Product: Debt collection

Rosen Mgmt at XXXX has been calling me about a debt that I do not have any knowledge of owing from 2011. They are claiming i took out a payday loan and did not pay it back. I have no knowledge of said loan. Then she claimed to be from the garnsihment dept of Rosen Mgmt and my pay was about to be garnished unless I paid said debt. I asked them for information on the debt and she stated I should have received it in the mail. I said i have not received anything from you company. She then stated it was sent cerftfied mail. I said could you send it again. I have been waiting 2 weeks. But, this debt collector called my place of employment. Claim # XXXX. I 'm also getting a robo call once a day from them using various numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX  to apply for the XXXX XXXX XXXX and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on my credit report.