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

On XX/XX/2019, I applied for a XXXX XXXX with CAPITAL ONE. The card was denied because they said XXXX did not have my phone number. It is public and remained the same for the same number of years that I had a MasterCard open with them. I had no balance on that card and wanted one without an annual fee and rewards that I could use to visit family. My record with XXXX was not frozen, but CAPITAL ONE said it was. I closed the Master card that day and do not know what kind of business CAPITAL ONE is running.
Product: Credit reporting or other personal consumer reports

Account 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 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: Checking or savings account

The account doesnt exist without fraud. Ive contacted Navy Federal multiple times in different department and in person. No one can find a history of the account or the collection because it doesnt exist. The account is created fraudulently. I still have a savings account with this bank. I deposited {$50.00} into the savings account in XXXX ( the member account for online banking says no collections can be collected on my member number at all so Im not sure how {$63.00} was taken out on a charge off collections account that doesnt exist and I cant see it on my end and no statements have been printed for it because there is no history of any transactions for the account. 
The charge off department and recovery department have not resolved the issue. Since the XXXX breach on my record in XXXX and the XXXX of the same year, any bank records in XXXX are fraudulent as I didnt have any access to any checking accounts in XXXX. 
I need this charge off removed immediately and my deposit do {$63.00} returned to my savings account before I close it.
Product: Debt collection

This company ACCOUNT RESOLUTION CORP which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is  perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are incorrect and/or have errors that need to be corrected : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Latepayment Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account The aforementioned accounts contain errors and are not accurately reflected on my credit report. I am requesting that you investigate these items and remove any inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. If there are any inaccuracies or errors on my credit report, it is my right to dispute these items and have them corrected or removed. 

I have attached documentation to support my claim, including proof of payments, correspondence, and receipts. I ask that you investigate these accounts in a timely manner and provide me with a written response of your findings. 

These inaccuracies have caused me great emotional distress, as I have worked hard to maintain a good credit score. I urge you to correct these items as soon as possible so that I can continue to pursue my financial goals and dreams. 

Thank you for your attention to this matter. 

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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several inquiries on my Equifax report. They have supposedly completed investigation in less than 24 hours, reporting they have factual record of file access. I have requested they send me " factual records '' & it has not been provided. For car financing inquiries, it was requested at dealership that my they not 'shotgun ' my credit, meaning not to send to multiple financing companies.  XXXX  representative stated to me that they would not do a hard inquiry when starting services. Representative stated she need to do a soft pull just to make sure I did not have a balance from an old account. I have made multiple attempts to contact  XXXX  and they continue to transfer to someone who speaks broken English and can not understand my request.
Product: Debt collection

I moved out XXXX of XXXX, in my move out statement I noticed several fraudulent charges. Ive been back and forth with my apartment complex who wouldnt own up to their negligence. I never received written notice from the debt collector. I spoke to them for the first time today XX/XX/XXXX after retrieving information from the apartment complex corporate office. I told them I wanted to dispute the charges to which the guy I was talking sympathized where I was coming from and said they would help me and after a few questions they said they would lower my bill from {$2100.00} to about {$1800.00} and make it all go away. I was charged for an unregistered pet who is an XXXX  dog. Has been a service animal since before I even moved in and I maintained her paperwork the entire time I lived there, I still have her paperwork and the office never once asked me for it. They charged me for a gate card which I have a picture of where I left it along with the keys in the kitchen drawers like the move out instructions stated but they didnt charge me for the keys but managed to charge me for the gate card. I was charged for a full repaint of the apartment and the only evidence they have was some wall sticker decorations the size of a basketball on my bedroom wall. The stickers are easily removable and do not chip the paint when you peel them off. The paint on the wall of the apartment was in perfect condition. They tried to say the mattress in the apartment was missing but in one of the pictures provided you can clearly see where I left the mattress next to the refrigerator in the apartment. I was charged for a shower head that was left under the sink when I replaced it with my own personal one with the extension cord. I was charged a pest control fee when there were bugs already in the apartment when I moved in and they had pest control coming to the apartment on a monthly basis while I was living there. There is {$830.00} worth of charges on my movement statement that I disputed and they were only willing to knock down {$300.00}.
Product: Debt collection

My compliant against this company is lying after lying. I apply for a loan back in XXXX, and they made a mistake by sending to a wrong person and the loan was return back to them, and they promised me they would return the money to me, and they didn't, and now they are charging me a fee that they took and want me to pay that back when I don't get any money from the crazy people. after calling I gave up and now they are messing with my credit report
Product: Debt collection

I recently pulled my XXXX consumer report because I found my dream car to replace my original car that was recently totaled by the insurance company. I was doing my due diligence before going to seek financing and found that Nationwide Recovery Systems ( NRS ) was furnishing a negative tradeline on my consumer report. Please see the attachment for proof of the furnishing of the negative tradeline. Upon information and belief, NRS is a debt collector as defined by the Fair Debt Collection Practice Act ( FDCPA ). NRS has violated the FDCPA by engaging in unfair and deceptive practices as they attempt to collect an alleged medical debt from me. NRS has damaged my reputation by furnishing a negative tradeline on my consumer report. I have never given NRS direct consent to communicate with me as I have never done business with them nor have I ever contracted with them. Therefore I deny being legally obligated to pay any and all alleged debt to NRS. I have never received any communication about this alleged medical debt until NRS took it upon themselves to willfully report an invalid alleged medical debt to my consumer report in an effort to coerce payment from me. NRSs willful and intentional actions have defamed my character by portraying me to not be credit worthy and put me at risk to be denied credit and/or be subjected to predatory lending due to the lowering of my credit score.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.
Product: Credit card

I had called capital one on XX/XX/XXXX a day after my due date of XX/XX/XXXX I asked agent id # XXXX to wave my late fee because i was a day late and to make a payment. Then i set up auto pay so this would not happen again, they waved the fee, i made a payment and set up the autopay but unknown to me they never processed the payment and i didnt know till i got my next statement and a alert of my credit report for being 30 Days late after filing for a personal loan for a medical purpose. I called and opened a dispute XX/XX/XXXX with agent # XXXX on XX/XX/XXXX i called back and explained the issue and agent # XXXX waved my XX/XX/XXXX late fee because in fact i shouldnt of been late since i thought i made a payment but they didnt process it and my auto pay wasnt enough to cover the past due amount from capital one not processing my XX/XX/XXXX payment after doing so by phone. On XX/XX/XXXX i received letter from dispute saying they listened to call and i didnt make a payment i called agent # XXXX who put in for someone to listen again. I got a call the next day from agent # XXXX from florida, saying she heard the call and i didnt make a payment but i know i did at least i was under the impression that i did. I then called back on XX/XX/XXXX again and spoke to agent # XXXX who was in utah, who i have recorded under the federal one consent law 2511 part 2 subpart D under instructions from my lawyer. This agent agreed that they would only wave that fee if i was making a payment and then seen how they also waved the XX/XX/XXXX fee and then informed me that she could see that i called in to make a payment. This same agent told me she would talk to her upper management and get back to me but hasnt in 2 days in which i called back and spoke with agent # XXXX from virgina who along with every other agent before XXXX would refuse to even try and help me. I would never waste my time arguing about this! I have more constructive things to do then waste my time, but the problem now is my credit score dropped XXXX points and i filed for a personal loan for a medical purpose and was denied for a recent late payment being this one so now it has cost me a finacial hardship along with defamation of character and capital one has refused to report to the credit bureaus that it was a mistake on they 're part and correct it. I included the statement showing the XXXX fees being waved.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$660.00} XXXX XXXX ( Original creditor : XXXX XXXX. ) XXXX XXXX : {$800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal bill from my credit report that is not mine and is adversely affecting my XXXX XXXX. The details of the account in question are as follows : Creditor Name : XXXX Date of Charge/Account Reported : XX/XX/year> ( XXXX yrs, XXXX mos ) Amount : {$780.00} This account pertains to a phone bill that I have not agreed to / utalize. It is my understanding that due to accounts not being mine it should no longer appear on my credit report, as per the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

As of today, I'm 50 days late with my mortgage payments. I was approved with 17 future payments with the Homeowner Assistance Funds. Since XXXX XXXX is sending the bulks check to the mortgage and they always took more than days to apply the payments. The purpose of the Homeowner Assistance Fund ( HAF ) is to prevent mortgage delinquencies and defaults, foreclosures. HAF is a federally funded program administered by the State of Florida and the responsibility of timely payment falls on the state and NOT the applicant. Theyve reported my acct as being delinquent for XXXX and XXXX to the credit bureau. The representative stated the accounting dept is behind. My account is coded as a code 3 which means I applied for the HAF program and was approved so no late fees will be applied. I also received a letter with the steps for foreclosure.
Product: Credit card or prepaid card

I am unable to obtain my statements for XXXX, XXXX, XXXX and XX/XX/XXXX XXXX  via the online account center for my Comenity Bank/Bread XXXX XXXX XXXX XXXX credit card account. I have requested assistance via secure messaging and phone with no resolution. My initial request was made on XX/XX/. They are unable to explain why these statements are not available online and they refuse to email me my statements. They have stated they can only provide my statement copies via regular mail but I have yet to receive my statements. 
Why do they send me emails each month stating my most recent statement is available online when it is not? Isnt this providing false information? I should have access to my statements via the online account center at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a XXXX XXXX loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused
Product: Credit card

I tried to purchase some hats that promote a political figure. My card was immediately declined. It was obvious that it was politically motivated. I went to account and said yes I recognize the charge. But now I can not order. I have been with this banking institute for over 25 years. Their actions will cause me to close out all of my accounts with them. Bank of America are using their business to interfere with politics. They need to be held accountable. They need to be fined for their actions. What they are doing is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a security breach and my information, including my social security number, was potentially sharec.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing of complaint about Experian Credit Unions failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Experian has also failed to substantiate that the account is mine. Experian is are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Experian also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. I am requesting that Experian delete this unverifiable account immediately from my credit report.
Product: Debt collection

In response to CFPB complaint # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against the Company Midland Credit Management has 30 days 15 USC 1681s-2 ( 8 ) ( e ) gives the furnisher of information 30 days the same standard that is upheld by the consumer reporting agency 15 USC 1681i ( A ) 1 ( a ). I will not be granting any extension, because if the roles were reversed and, I could not substantiate any validity in what Iam saying. They would go for a default judgment, or they would go and file a claim the law gives them 30 days. I expect you to uphold those policies, we will not make special arrangements for anyone with any special treatments for anyone with any special treatment. Company have violated 15 USC 1691s-2 ( 8 ), 15 1681i ( A ) 1 ( a ), 15 1681 i ( 5 ) ,15 USC 1692c ( c ). So you are saying? with all the violations, I should let them violate my consumer rights more by having them waive, and still furnish inaccurate information on my consumer report? I think not is very clear about information being accurate and furnisher of information are prohibited from reporting any information that is inaccurate are they know or believe to be inaccurate. 15 USC 1681S-2 ( A ), and 15 USC 1681s-2 ( B ), I except the prompt deletion of this account from my consumer reports. Upon the receipt of the documents herein and of this notice, you are hereby Notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required Midland Credit MNG. - XXXX
Product: Debt collection

I am not supposed to owe XXXX for the items that I purchased. The numbers were fabricated and this being on my Acct is slowing me down from repairing my credit.