23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2018 I got an email telling me that CAPIO PARTNERS LLC. had reported the I had a bill with them. I have never entered into any contract with this company. they have never called me or sent me anything in the mail about this account. they can not give me a copy of any contract that I have signed with them. they refuse to provide information necessary for me to even confirm the debt. yet they try to demand money from me without a signed binding contract between parties. I have also filed an complaint with the BBB complaint # XXXX CAPIO PARTNERS LLC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNC/Care credit is reporting inaccurate information on my credit file. These erroneous lates on my credit report, when it should be on my parents Care credit account. XXXX XXXX & XXXX XXXX. The XXXX put my parents bill on the wrong care credit account. My parents are co-signed with me on one account, but they also have their own, which is the one that the XXXX  needed to use. The XXXX made this mistake. I have not used this card and should not have any lates on mine. This needs to be fixed immediately. 
I had filed a dispute previously not knowing this until I started investigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

On XX/XX/2022 my email and phone were hacked and my credit card was compromised. I promptly changed my contact email and phone number with the credit card account online. 
No response was obtained from the company ( TD Card services ) till I received a letter 4 days later stating they had frozen the account for suspicious activity. 
Several attempts from XX/XX/XXXX through XX/XX/XXXX with XXXX department of TD Card services resulted in the following responses from them : XXXX. Unable to verify your number, go to branch. 
XXXX. When I indicate that there are no branches in my state or neighboring states, they responded to fax verification documents. 
XXXX. Every customer service rep ( XXXX ) I spoke to over several days had differing information about acceptable ID. 
XXXX. Even after sending ( and verifying receipt ) of the documents on XX/XX/XXXX, they did not respond ( despite stating XXXX hours business day response ). 
XXXX. On XX/XX/XXXX, I reached out to TD Card services, and they stated they had received the documents but had not reviewed/escalated and stated they would right away and to call back. 
XXXX. On XX/XX/XXXX, I called back and the rep first stated : I should go to a branch ( see # XXXX ), then I need to send documents ( see # XXXX ), and then " escalated '' to a manager, who apparently said they would review the documents and to call in XXXX business days again ( see # XXXX and # XXXX ) .Also, the rep declined to give me a case number and asked me to call back. 
Note : every call to them results in hold times of : XXXX mins, XXXX min, XXXX hour XXXX min. 


As a result, almost XXXX weeks into my compromised card, TD Card services has neither reviewed my case, or my documents, keeping on pushing out the resolution. I am unable to access my account, confirm if fraudulent charges exist or not, nor have replacement cards sent. 
TD Card services has not done anything along the way either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  of XXXX XXXX XXXX XXXX  XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose Veteran, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about Sexual Orientation. I believe this is a violation of Title 7 and upheld supreme court decision on 15 U.S.C. 1691. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with XXXX XXXX. During the time of the loan I was also having some other medical and financial issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank manager XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.
Product: Credit card

I recently opened a credit card with capital one to use with my mother 's XXXX XXXX XXXXXXXX XXXX  expenses all in one place ... Capital One instantaneously sent car to restricted status and fraud alerting it once activated. Unable to provide assistance to my mother in her time of need and was treated like a criminal when I tried to use it at local XXXX XXXX  and XXXX. Will not do business with this financial institution again and hope they all end up in a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are such a scam they're call center if filled with XXXX  who refuse to tell you that they are reading a script, probably in the XXXX. Not safe for American consumers financial or judicial lives!
Product: Debt collection

I moved from XXXX to XXXX because I needed to get away from my XXXX husband and moved in with my brother. I had lived on my own and had Dish service when I left my husband. I could n't use XXXX as my brother already had his house set up with another vendor. I sent all the equipment back and then they sent me a bill for XXXX. They said I did n't return all the equiptment as well as I had a long term contract. I explained that I had no way to use it where I was but they sent me to collection. On XX/XX/2017 I called the collection company and spoke to a young lady and negotiated an end to the problem. She said that if I paid the XXXX that would take care of it. She said that the equipment they were charging for was the piece on the roof and I was n't expected to go on the roof and get it. 
When the next report came in from the credit bureau they now have me in there with NEW collection for XXXX and still have active collection in there for XXXX, I am buying a home and the lender says I need all this off my report and I '' m trying to get it off but getting no where after I negotiated with them in good faith and was told it would be a done deal. 
I am asking to have them ALL taken off the credit report AND to have my {$650.00} back. I expect that I 'm going to have to pay them more money to get this done and it 's not correct nor fair. I could n't use the program and it 's wrong to charge someone especially a senior citizen on social security for service they ca n't use when they need to move in with a relative. 
Please help me Sincerely XXXX
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX stated that this has been removed from my loan status and has been reported forgiving, attached is the letters from the loan provider for which I submitted to all three reporting agencies. XXXX, XXXX, and Transunion have refused to remove the information or credit the account as satisfied. I have submitted two disputes for each agency only to state the previous information quoted to them in XXXX of XXXX  from the loan agency. If you notice the one account that I am disputing is the only account that has not been updated since XXXX when the loan was dismissed XX/XX/2023. Please see additional attached Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 
The items I am disputing are as follows : XXXX Account Name : XXXX  : XXXX XXXX Reference Number : XXXX Filed On : XX/XX/17 Court : US DIST XXXX EXPERIAN Account Name XXXX XXXX XXXXXXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Filed On : XX/XX/17 Court : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX laws cited above, I request that these items be **immediately removed** and **permanently blocked** from my credit profile. Please conduct a thorough reinvestigation of these items and update my credit report accordingly. I also request that you promptly notify the furnishers of the information that these items have been modified, deleted, and blocked from my file. 

Please send me written confirmation that these items have been removed, blocked, and corrected, along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased 7 pairs of high top mens basketball shoes from XXXX  for {$280.00} with guarenteed expedited shipping of {$170.00} ; the total was {$460.00}. The expedited shipping was 7 days guaranteed. I received six of the seven shoes a total of 8 business days after the date of purchase. The tracking number was XXXX XXXX the delivery was not received until the XXXX. Six of the seven pairs of shoes were delivered. Of the six shoes that were delivered all of them had irreversible damage due to the shoes and the shoe boxes being in a shipping container that was 14 inches by 6 inches by 8 inches ; the shoes were jammed into the box. The shoes had deep scratches in the material, were bent and concave and pieces fell off during shipment. I contacted the seller XXXX multiple times from XX/XX/XXXX until XX/XX/XXXX. I spoke to the merchant and their customer service representatives. They were unwilling to reimburse me for the late shipping and damaged / missing goods then stopped responding. I then turned to Wells Fargo, my bank which I purchased the items on via a Visa credit transaction ( note, the items were not purchased on credit ). This was in mid XXXX. When filing the claim for reimbursement the bank offered no options other than text. There was no effort to collect pictures or documents from me. In late XXXX Wells Fargo responded that they will not reimburse me for the charge because the charge was authorized by me and there was no evidence that I did not intentionally make the purchase ( which is not what I filed the claim for ). I then tried to go to the XXXX in late XXXX. I received a response today XX/XX/XXXX, Wells Fargo continues to deny my claim for the goods and services claiming " Our Claims Assistance Center reviewed the information provided and found the transaction was authorized and that a processing error did not occur. Therefore, the claim was closed. '' I rejected the claim stating the claim was in reference to damaged goods and unfulfilled service and not for an unauthorized transaction via XXXX  and am awaiting Wells Fargo 's response. I also called Wells Fargo 's claim department number noted in their response. The person I spoke to said my claim was still open and has never been assigned to an individual and asked me to call back in 48 hours. This is unacceptable. By law Wells Fargo is liable for these credit charges and should therefor reimburse me for the damaged goods and unfulfilled service which totals {$460.00}. I am attaching pictures of the damaged goods as well as the response from Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXXBankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps trying to apply for a chase card in my name and its showing up as a hard inquiry on my report. I called chase and talked to a manager who informed me that it would be removed. The dates for the hard inquires are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2018
Product: Debt collection

XX/XX/21 Amerassist AR Solutions ( XXXX XXXX ) Ive done research on this company and there have been many many negative reviews on how this company operates. I have had something occur last year with my credit and a family member using my credit for their benefit. The amount XXXX popped on my credit report as collections. Immediately I reported and I have filed w/ FTC and submitted my paperwork ( identity fraud ) to the all credit agencies for this item to be removed. XXXX  is the only credit agency that I am disputing this collection debt. I have attempted to dispute this item twice now and no luck as of yet so Im taking this route now hoping this can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding had been told to remove a debt from my Credit Report and instead left a judgment from a XXXX year old debt on my XXXX XXXX Report
Product: Checking or savings account

I am writing to express my disappointment and frustration with a recent experience at one of your branches and to request the immediate lifting of a hold on my account. 

I have been unable to access my funds due to a hold placed on my account, despite having proof of a legitimate deposit. I recently deposited {$4500.00} into my account via XXXX XXXX from my XXXX XXXX. I have attached screenshots to this email as evidence of this transaction. 

Upon returning home from a trip, I discovered that my work cell phone had been stolen from my car. I promptly reported the theft and any associated fraudulent charges to your bank and informed the representative about the situation. Despite providing this information, my account remains inaccessible. 

Furthermore, I visited your branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX to address this issue in person. Unfortunately, the staff members I interacted with were not only unhelpful but also extremely disrespectful, asking inappropriate questions and exhibiting rude behavior. I have recorded this encounter to document the level of unprofessionalism I experienced. 

As a popular gamer with over XXXX XXXX followers on both XXXX and XXXX, I have a significant online presence and influence. I am hopeful that this matter can be resolved promptly and without further escalation. However, if I do not receive the necessary assistance, I will be compelled to share this incident with my followers.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a an account on my credit in the total of {$3800.00} of which states it is a joint account. Which is false. Through contact with the company whom filed this collection, I received an email of the notes they've taken. In the notes I left the apartment XX/XX/XXXX To move out of state. In the notes in states that both parties agreed that I was removing myself off the lease. Which the apartment was then left in the hands of the other tenant since I had moved out of state 2 weeks later. Which I was staying with a friend during that time. XX/XX/XXXX the current tenant had a 48 hour  eviction notice. All of the responsibility was left over to the other tenant ( s ) after I removed myself off the lease. I have the notes in an email sent by the company, I have proof I was living with a friend, and I have proof I moved out of state. This charge is false and should solely be in the other persons name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person. 
identity theft. send original signature document with my signature.