23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I strongly believe Capital One has discriminated me due to me age. I am XXXX yrs old and applied for a Capital One credit card. I had credit scores of XXXX XXXX and XXXX with XXXX  and XXXX   Capital One 's reason for denial was very very vague. First they used my lowest credit score with XXXX they also said I had : 1. Too many recent inquiries : seriously I have had 3 inquiries in last 6 months, 2 of those are on the same day with XXXX opening a checking account & Credit card 2. Too many new revolving accounts. I opened 2 new revolving accounts in last 60 days, since when is that an issue 3. Recent credit Bureau inquiry :?? seems this is the identical reason as # 1 just worded differently to make it seem like a separate issue. 
4. They claim my credit limits on recent " XXXX '' accounts. What the XXXX?? My recent XXXX is {$20000.00} and XXXX XXXX is {$10000.00} Capital One also conveniently did not mention that I have no mortgage. My home has been paid off for the last 20 yrs, I have no car payment, I do not pay car insurance. My debt to ratio is under 3 % and I have over a XXXX  dollars in assets. I would love to compare my credit report with others who Capital One has approved for credit. This is clearly Discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

My future employment used a company by the name of Lexis Nexis to do a back ground Consume check and it came back with 2 Judgments and a bankruptcy. I've never filed for bankruptcy. There is a different 1 - Judgement - An XXXX XXXX. I don't owe nor did I apply for one.

2 - Judgement - New York State taxes. The person with these Judgments has my same name and it's clearly not me because the Social Security is a different.

There has been a delay with the hiring process.

Please help me. This is insane
Product: Credit reporting, credit repair services, or other personal consumer reports

I am providing this statement pursuant to 15 U.S. Code 1692 ( a ) ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1602, The term cardholder means anypersonto whom acredit cardis issued or a personwho has agreed with thecard issuerto pay obligations arising from the issuance of acredit cardto anotherperson. 


REASONS : 1. Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act XXXX XXXX.

2. You are also acting as a debt collector attempting to collect a debt from me which is also a federal violation as well Pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) ( B ) and 15 U.S. Code 1692e ( 7 ) ( 8 ) ( 10 ).

3. Pursuant to 15 U.S. Code 1681 ( e ) and all that apply, every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing such user a credit report. No consumer reporting agency may furnish a consumer to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681 ( b ) of this title. 
4. Additionally in compliance to 15 U.S. Code 1681 ( o ) ( a ) ( 1 ) any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the the sum of any actual damages sustained by the consumer as a result of failure.

5. As the consumer, original creditor and card holder I am demanding you to delete the account ( s ) listed below unless upon proof of claim is rebutted by sworn Affidavit under the penalty of perjury the following interrogatories : Was written consent or authorization given by me the consumer?

Was there not a violation of my privacy pursuant to The Privacy Act XXXX XXXX?

Are you not attempting to collect a debt from by alleging a debt is owed?

Am I not the consumer, original creditor and card holder.?

If you cant provide proof delete account ( s ) immediately. 

XX/XX/XXXX, XXXX {$10000.00} XX/XX/XXXX, XXXX {$1600.00} XX/XX/XXXX, XXXX {$2700.00} XX/XX/XXXX, XXXX {$3900.00} XX/XX/XXXX, XXXX {$3500.00} XX/XX/XXXX, XXXX {$210.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$440.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Highest Balance : {$1900.00} Account Name : XXXX Account XXXX : XXXX Highest Balance : {$1700.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$390.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$960.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Highest Balance : {$320.00} Account Name : XXXX XXXX XXXX A Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$830.00} Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Highest Balance : {$0.00} I am writing to request a thorough investigation and correction of inaccurate information on my credit report. These items are either incorrectly reported or have already been resolved, and I kindly ask that they be reviewed and corrected accordingly.
Product: Credit reporting or other personal consumer reports

After checking my credit report, I identified errors related to late payments. These are not representative of my consistent payment behavior. Please make corrections and update my account details.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction
Product: Credit reporting or other personal consumer reports

" I have previously disputed this item with you > Insert Public Record and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. XXXX negligently REPORTED THIS INFO AND USED MY INFO TO CREATE AN ACCOUNT THAT I DID NOT GIVE THEM PERMISSION TO Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately. '' Account/Public Record US BKPT CT GA XXXX
Product: Debt collection

You balance as of today, XX/XX/XXXX is {$730.00}. I do not understand how my balance is at this amount currently, i have the court appointed paper work that shows the total amount subject to garnishment is : Garnishment amount owed : {$1000.00} garnished paychecks : X/XX/17- amount : {$270.00} X/XX/17-amount : {$310.00} The remaining balance should be : {$410.00}, so why is it currently alot higher? Please note per the state of oregon and court documents it states : Inserting items and amounts not lawfully subject to collection by garnishment may result in liability for wrongful execution. please explain as to why the balance is not reflecting what is being garnished, i want full details on the {$310.00} amount that is being added and for what purpose? I have uploaded documents verifying what i am saying and i have paycheck stubs as well to prove what i am saying is accurate. I need full details since you are refusing to send me a letter showing what my remaining balance is along with verification of the garnishment payments.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX, AND EXPERIAN will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed there are fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my Transunion Credit report I notice several fraudulent reports that are reporting. I am not aware of this accounts. I have a police report and supporting documents for identity theft. Please review
Product: Checking or savings account

We have a XXXX business account. In XX/XX/2022 I wrote XXXX checks to vendors which were stolen ; XXXX were forged and cashed at Bank of America. The third I was able to put a stop payment on before the thief cashed it. 
I filed XXXX claims with XXXX in XX/XX/2022. BOA still has not processed the claims nor responded to XXXX. 
Under UCC, I thought XXXX of the banks had to make good on checks within 5 days. It has been about 6 months and BOA refuses to respond. XXXX states BOA is responsible to refund us and won't even temporarily cover the amount while BOA is processing. Meanwhile, our small business is struggling financially since we had to pay our vendors.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; As per in 15 U.S. Code 1692c ( see above ), I am requesting that the below debt collector cease all communications with me as well as stopping all communications of this debt to all consumer reporting agencies as I have refused to pay this debt as I have disputed it in the past with the original creditor and they advised that all of the equipment was returned, and debt associated was satisfied. 

Credence Resource Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Partial acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  Balance XXXX XXXX XXXX MEDICAL XXXX  Balance : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reached a judgment agreement in XX/XX/XXXX regarding a XXXX credit card debt following my divorce in XXXX. I hired an attorney to help me reach a payment plan and reached a second payment plan in XXXX of XXXX. I was making the payments and fell behind as a result of my salary decrease and the death of my son 's father since there is no more financial assistance from him. I made a payment in XXXX of XXXX and the balance was {$13000.00} ( I  believe ). On XXXX of XXXX, I asked the lawyer I had hired to reach out to Moss Law Firm and request a reprieve for a few months, because my son 's father had died in XXXX of XXXX and I am no longer getting financial assistance toward his car insurance or his health insurance and due to downsizing at my company my salary was cut from {$60000.00} per year to {$36000.00} per year. 
When the firm I hired reached out to Moss Law Firm, they said my agreement with them had been terminated due to non payment. I believe I was two payments behind. Then the attorney I hired initially said I would have to rehire them to have them negotiate for them again. When I called Moss Law Firm, and the call was recorded, I asked them if I could reinstate an agreement at or near the {$13000.00} balance and their immediate response was " no, you would now owe back to the {$20000.00}. I do not believe they incurred over {$6000.00} in fees in this short of time. Also, since my checks are made to XXXX, I do not believe in the few short minutes they put me on hold they had any communication with XXXX regarding this issue. Since XXXX hired this outside attorney, I believe their collections practices are egregious.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft & fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of loans. XX/XX/XXXX with a balance of {$900.00}, Denefits with a balance of {$5500.00}, & XX/XX/XXXX with a balance of {$550.00}. The hard inquiries consist of XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is reporting inaccurate payment information on my credit report resulting in a late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. XXXX has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, XXXX continues to ignore the law. In addition XXXX was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet XXXX continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, XXXX continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.
Product: Checking or savings account

On XX/XX/year> I went into my Citi bank location to withdrawal money I had deposited into the account. I attempted to withdrawal around XXXX dollars, and was told by the financial center manager that theres a problem getting the money, and then theres an issue with my account and it was terminated, and a check would be issued in 60 days. Theres no wrong doing in the account, and all of my deposits and transactions are legitimate. I need my money as soon as possible, and have asked for information to which nothing is given.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from XXXX, Experian, and XXXX and I noticed multiple auto loan inquiries across all 3 Bureaus that were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : XXXX  : XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.
Product: Prepaid card

I received a {$100.00} gift card from my company as a bonus on XX/XX/24 and I activated the card on XX/XX/24 about XXXX and I went to XXXX XXXX to use the card a couple of hours later and the card declined for a {$41.00} purchase. I called the customer service number on the back of the card, and they stated there was a {$100.00} purchase at XXXX XXXX on XX/XX/24. I let them know I have no clue as to where that is, and I had never used it until I went to the grocery store. They told me I have to call back after XX/XX/24 to file a dispute, so I called them today XX/XX/24 at XXXX am and they asked for my name, date of birth, mailing address and email address. They said I would receive a dispute packet via email within the next XXXX minutes It is now XXXX pm and have yet to receive an email. I have called them back and no answer. I have done my research on this card/company, and they have a class action claims filed on them from a consumer who has had the same issues among multiple other consumers. This company is a fraud and I want my money returned back to me and I want some type of legal/criminal action filed on them as well.
Product: Debt collection

I am a victim of identity theft. The following account is fraudulent, unauthorized, not mine and the result of identity theft : XXXX XXXX, XXXX. XXXX XXXX XXXX transferred the fraudulent account ending in : XXXX to XXXX. I been receiving harassing phone calls every day at XXXX XXXX  from XXXX XXXX representatives using abusive and profane language, making death threats and threats of taking legal action against me and getting me arrested and sent to jail and prison for a credit card account thats fraudulent, unauthorized and not my debt or account. XXXX XXXX is in violation of The Fair Debt CollectionPractices Act ( FDCPA ) under Federal law.
Product: Debt collection

I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ). 

On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. 

Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus. 

Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports.
Product: Checking or savings account

Opening an account with XXXX XXXX XXXX. Trying to link that new account with my PNC Checking Account and the program says that PNC has made a change and I am having difficulty linking the two accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is and has been reporting to all 3 credit bureau 's that my account is closed. My XXXX XXXX account is active and current.