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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. This account was never late XXXX XXXX Account XXXX : XXXX the following status incorrect and incomplete and its reporting inaccurate balances XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Mistaken Identity XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX. This account is not in compliance per the FCRA due the reporting of unverified and Incomplete balances XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Dispute Regarding Late Payment and Violation of Consumer Credit Laws According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( e.g., the purchase agreement signed contract with my signature on it ) that you have on the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit, and I have been denied credit on the basis of this inaccurate information.
Product: Checking or savings account

On XX/XX/XXXX i was looking at the spending on this account. I should have been looking more closely i didn't recognize most of the transactions. I thought it would be best to just close the account and pay for the old fraud. I explained that to the rep and they said the account was blocked from more transactions coming in. but then there were two more fraud transactions. The account " failed '' to close. I called again to close a second time this time it has XXXX cents left so it didn't close. Then another XXXX $ in fraud came in.So on the XXXX I put XXXX $ in to again cover the fraud but it still didn't close because another XXXX $ of fraud came in. Now i have the account blocked from spending which makes it so I can't close the account.
Product: Credit card

I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, THERE IS AN ACCOUNT THAT WAS OPENED WITHOUT MY CONSENT OR KNOWLEDGE. I HAVE REACHED OUT TOT HE COMPANY NUMEROUS TIMES AND ASLED THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE ACCOUNT AND THE CHARGES AND THE PAYMENTS NEVER CAME FROM ME OR AN ACCOUNT WHICH REALLY BELONGED TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Debt collection

I XXXX XXXX XXXX entered into a consumer credit transaction with Clay Cooley XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Clay Cooley XXXX XXXX took cash. The finance charge is suppose to inclose insurance, Clay Cooley XXXX XXXX made me purchase separately. 15 usc 1635 ( a ) states ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was not disclosed my right to rescind.
Product: Debt collection

Medical Revenue Services has repeatedly called me, told me I could not set up a payment plan and now says that I am required to tell them how much I am getting back on my income taxes this year. I dont feel that I should be required to disclose that information.
Product: Credit card or prepaid card

In XX/XX/2022, I purchased an airline ticket for my trip to XXXX, using a credit card. When I was about to use the return ticket to come back to USA, I found out that my father was diagnosed with XXXX  XXXX. So I stayed back and missed my return flight. I had to buy another ticket for a week later. it has been advertised and promoted as credit card key selling feature is that it covers unexpected delay related sickness of the primary cardholder or family member. After coming back while reading through card benefits page I realized i can claim reimbursement for the ticket as it fits all the conditions stated on the benefit page. I submitted my claims to their claims department in XXXX of 2022. I have uploaded all the documents and records that they have requested. I have called them several times, waited for hours to talk to claims officers, send them several messages through their claims portal but despite all that, it is still showing Pending status for almost 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, I have continuously been a victim of identity THEFT. I have reported this to all three credit bureaus on a number of occasions. I contacted EQUIFAX on several occasions via CERTIFIED MAIL, their website, by FAX and by phone advising that I have no knowledge of the below accounts, I also requested VALIDATION of these remarks and never received validation. To date I still have frivolous accounts listed on my credit report as charge off and or as derogatory remarks. These allegation of having a charge offs or derogatory remarks on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character XXXX statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting. I am requesting that Transunion remove the below accounts from my credit profile IMMEDIATELY as this is a violation of FCRA and FDCPA. 
Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I discovered I was part of a data breach and decided to freeze all 3 credit reporting accounts. I googled Experian credit freeze and ended up on the Experian site, where they list a number to call to freeze your credit. I called the number XXXX XXXX XXXX  and a woman answered and she asked all the relevant info i.e. social security number DOB, etc. and suddenly I realized she was not from experian but from another company called Consumer Information Bureau and was trying to sell me credit protection and I had just given her all my relevant information! I called experian to let them know that they are misleading customers and sending them to a third party who we are unknowingly giving all our important info to. This can't be legal? OR? This is also a company that is not only poorly reviewed but there are online comments that this is a scam! On the Experian site! 
I called Experian and was put on hold 3 times for 15 minutes each, as if they were trying to help me, at which point a new person would answer and had no idea what I was talking about and I had to start all over again. I never got through to anyone to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information are erroneous. Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct the unverifiable accounts below : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$5100.00} ; DEPT OF ED / XXXX XXX Opened XXXX XXXX XXXX Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX XXXX Balance {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX, and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

This company has contacted me stating that i owe them. When told this I asked did i sign anything saying that i would paay them. They stated " no ''. I do not owe this company anything I never had any contract with them. 

XXXX XXXX XXXX v. XXXX where there is no contract there is no case
Product: Credit card

I received a letter from Sears Credit Services. The letter informed me that I was sent information earlier ( I received nothing earlier ) and that if I did nothing by XXXX XXXX my Sears credit card would be changed to a Sears Mastercard. If I preferred not to accept the " upgrade '' I was instructed to call a telephone number or go to a website. I tried calling but it would not accept my card number either by entering by voice or telephone key pad. It then asked for my social security number! The website had no place to turn down the offer.
Product: Debt collection

SYNERPRISE a debt collector has reported a medical bill on my credit report for {$500.00}. 

This debt collector never contacted me to provide proof this bill belongs to me. 

I have worked hard to be a responsible person. I had an XXXX  credit score. My score dropped 50 to 80 points for a {$500.00} medical bill, this is unreasonable. I can pay off a {$5000.00} credit card and will not receive an increase of 50 to 80 points on my credit report. Why should a medical bill adversely affect a person credit report score? 


XXXX XXXX
Product: Debt collection

I closed an account with XXXX XXXX. They sent a final bill that included charges for equipment already returned. I disputed the charges and after many calls to XXXX  they found the missing equipment in their system and corrected the billing error and closed the account. Assuring me the error was theirs and the account would be removed from collections and stricken from my record. 
However the collection agency did not remove it. Only marked it as paid in full even though they didnt collect even one dollar. 
I disputed this action and two credit reporting bureaus removed it. However the collection agency continues to report this incorrect information on my credit report. Causing it to reappear on my report weeks or months later. I have called them many times and get transferred around but no one there will remove it even though its a obvious error. Their refusal to acknowledge the error and correct it is causing me to have serious difficulty in securing a home loan. A letter from XXXX  explaining the error is helpful but does not correct my FICO score. A action that greatly limits my ability to secure a loan. Their representatives seem very unconcerned and transfer me to another department repeatedly until I get a answering machine. I leave messages but they will not return my call or make any attempt to resolve the issue. Every time I get it removed thru direct dispute with the collection agencies it is re-recorded with a newer date making an account that is years old appear and score as if its new.
Product: Credit reporting or other personal consumer reports

Violation of Privacy Act and Terms and Condition per to 15 usc 6801 reporting to non affiliates. Under the Privacy act of 1974 and 15 usc 6802 to 15 USC 6805,16 CFR 313.1 and 16 CFR 313.7 f i choose to opt out of all and any written and unwritten verbal and non verbal Authorization as a federal protected consumer per the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

account has disputed and removed before. It has been illegally bought and re-reported.
Product: Debt collection

They have been calling me multiple times a day and from a different number every time. Sometimes they call from what looks like a local phone number, they don't leave messages and when I return the call to see if it's something I should be responding to, I block my phone number and somehow they know it's me. I have disputed this several times over the past 3 years. This debt is not mine and is incorrect. I have written to all 3 credit bureaus, they just keep sending me letters saying that they're verifying the debt which of course they will verify it on their end when they're trying to collect money from people. The deception lies in the fact that they purposely call from different phone # s that look local or even like an area code that I've recently had communication with. Why do they need to hide behind fake phone numbers unless they're illegally contacting me and others? This is absurd. I'm going to report them to every entity possible including the XXXX and the credit bureaus again.
Product: Debt collection

Recently I was contacted by NFS regarding a collection account. I had no idea that I had not one but several accounts owed. I did not receive a notice stating the debt was placed for collections and after requesting validation of the debt have not received anything. Yesterday evening, my husband noticed something added to his credit. This office has listed my debt as a " joint '' account. Missouri is not a marital obligation state but they have ignored this and using tactics to collect that is appalling. I have contacted the AG of Missouri and will be contacting attorneys to decide what our next steps should be.

My husband has been garnished ~ {$8000.00} in the past 5 years with them refusing to validate the debt. We are told, " That time has passed ''. I'm assuming that they have added these as " joint '' accounts so they can go after his wages, again. I have always carried my own medical insurance and not once has my husband signed any type of agreement for responsibility for my medical debt.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Debt collection

Hello, We previously had a credit card with Capital One in my wife 's name, 'XXXX   '. We had some difficulty and fell behind, then the account went to collections. We received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX offering a settlement on behalf of Capital One for account ending in XXXX ( Ref # XXXX ). The original amount of debt is {$1900.00}, but they were offering a settlement in the amount of {$990.00} in 12 monthly payments of {$82.00}. We started making payments in XX/XX/XXXX. Since then we have made three payments and the fourth is currently in the mail. The letter stated at the end of this process they were going to provide a letter stating our debt has been resolved. We have not received any other communication from either XXXX XXXX XXXX or Capital One since we started making payments. 

On XX/XX/XXXX we received a summons from XXXX XXXX XXXX XXXX on behalf of Capital One ( File # XXXX ). The Summons and Complaint is seeking the full {$1900.00} minus {$82.00}. Now we are confused. We have been making payments and the checks have been getting cashed or cleared for three months. The fourth payment is in the mail. Suddenly, we receive this summons. There is definitely something deceptive or unfair about this process, either from XXXX XXXX XXXX XXXX or Capital One. 

XXXX we tried to call Capital One, but was routed to XXXX XXXX XXXX XXXX, and spoke to a representative from XXXX XXXX XXXX, 'XXXX ' on XX/XX/XXXX around XXXX for File number XXXX ( XXXX XXXX ) . We explained our situation and he said he could not provide any legal advice. We let 'XXXX ' know we would like to submit a complaint about this process and the treatment we are receiving. We also asked if maybe a complaint to the Consumer Financial Protection Bureau may be warranted as well, but 'XXXX ' could not give us any guidance on that. He said he would route our complaint to Capital One right away and he would get back to us on Monday, XX/XX/XXXX. He did not call so I tried to contact his office, but was placed on hold and then to a voicemail. I left a message and then went to the CFPB site to file this complaint. 

As a follow up to this, we are submitting our letter as well as a screen capture of the checks in the amount of {$82.00} being cleared by our bank. 

Ideally, we would like this summons and complaint to be cleared, and we would like to continue on the agreement and terms we are currently executing or the debt to be cleared by Capital One. Thank you.