23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Didn't receive written notification about the Debt. The alleged debt is not mine, and i am a victim of XXXX XXXX XXXX. I am requesting that this false misleading information be removed from my credit files asap.
Product: Credit card or prepaid card

- this is my second complaint because the first was responded to but not resolved : -XXXX ) how can you hold a payment for XXXX days when it is made VIA the Capital One app from a Capital One 360 Bank account to a Capitol One Credit Card? 
XXXX ) XXXX days is exorbitant- especially for a payment from CAPITOL ONE TO CAPITOL ONE : a check clears IN 5-7 business days - how can you hold a direct transfer for XXXX? 
- I follow all the guideline for making payments : on time as ahead of time, from the same account, from the CAPITOL ONE TO CAPITOL ONE VIA CAPITOL ONE! 
Im not asking for more credit - Im asking to have the hold released on my payments and whatever flag is on my account to be taken off. 
- Tell me the actual reason or instance that my payments triggered a flag operation for a XXXX day hold on my account- not the general information. According to their own paperwork I follow their procedures exactly. 

That is an absolute non response : my issue is that I HAVE MADE ALL MY PAYMENTS ON TIME AND WELL AHEAD OF TIME VIA A CAPITAL ONE BANK ACCOUNT IN THE SAME MANNER AS I HAVE SINCE I HAVE ACQUIRED THIS CREDIT CARD FROM CAPITAL ONE : There is nothing in their agreement that would trigger a hold on my account. How is a XXXX day hold on applying the payments that have cleared through my CAPITAL ONE BANK ACCOUNT TO MY CAPITAL ONE CREDIT CARD that I paid via The CAPITOL ONE APP -a reasonable or rational action? I am not asking for a credit increase of these payments : I am asking for and expecting my payments to be applied in a timely manner. My issue is with the length of the hold and their total unresponsiveness to this issue, as well as the fact that since the hold is for so long it affects my credit score as it is seen as I am utilizing the entirety of that line of credit - even though it has been paid off. How is that a fair response to the consumer? This hold has also caused me undo stress and lost time due to the fact that I relied upon this card to pay monthly bills - of which now I have to check all my accounts and adjust accordingly because there is a hold on my account. I plan on reissuing this complaint. 
It does not address the complaint of applying my payments in a timely manner or the fact that the payment is from with in their own companies ecosystem.
Product: Credit reporting

I checked XXXX around XXXX XXXX as I prefer to stay on top of my reports. And then again on XXXX XXXX to find that I have over XXXX hard inquiries. I was not notified or did I give my authorization for over XXXX of them. I only authorized XXXX. My signature is no where on these authorizations. I called and spoke to numerous representatives who just assume to hang up on you or tell you repeatedly that they can not help with hard inquires and they also tell them me that no one was affecting by their glitch. Even with proof in hand they absolutely refuse to connect you with a supervisor or anyone in an American offices to handlebars matter per your request after XXXX + calls I gave up. None of the reviewers remotely helpful or even knowledgeable some knew and would say more or less sucks to be you and some XXXX even quiet belligerent and knew if the issue but told you too bad
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX in XX/XX/2020 about a fraudulent account opened in my name and they are still reporting it. ( Transunion )
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my personal information was reported incorrectly in the data systems an was reported deceased illegally XXXX had my date of birth as XXXX sents XXXX that kept denied credit I was forced to send my identification card an other stuff proving my identity due to false information being reported untrustworthy requested everything should be removed off my credit report an should be reimbursement for the cause I been trough an trouble that cause me my identity was stolen do the XXXX settlement check I never received because my identity was incorrect never was false even the debt collector report I was reported deceased on all credit report
Product: Debt collection

XXXX XXXX XXXX XXXX has been contacting me about a debt that has been prove to be invalid and removed from my credit report in 2017. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone threatening to place this item on my credit report. This is a direct violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes along with the police report and XXXX, XXXX, & EQUIFAX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.
Product: Debt collection

I was checking my email for an email I was told I had been sent ( job interview ), went to search spam, and found 3 emails that all claim to be from attorneys and threatening to prosecute. I've pasted the email content below.

" We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter. 


UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER " Also, when I replied to this one, she sent me a link that looks suspicious. I contacted the original loan place and they haven't yet sold my debt/acct.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to XXXX per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefor, I demand validation and verification of the alleged debt. 
Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

This bank is crazy I am very upset I just received a letter from them that after my anniversary year Ive been a good customer and they decreased my credit limit! When my credit is good it has not changed I dont agree with this letter and saying the reasons Ive never been delinquent and that is one of the reasons ans saying I use my card for cash advance I used it only once and I always pay them back I called customer service to complain they do nothing they dont care they should reinstate my limit to the way it was instead of telling me to request a limit increase this is ridiculous why bother when they will decline me this is not fair how they treat a good customer
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud. I have attached a copy of FTC XXXX XXXX XXXX  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 XXXX XXXX and fraud.
Product: Vehicle loan or lease

The car was totaled in an accident and XXXX payments totaling {$15000.00} was made on XX/XX/XXXX. This payment was not credited to the account until XX/XX/year>. There was a regular payment made on XX/XX/year> {$470.00} to with the applied {$290.00} to interest and {$170.00} to principal. Interest that should not have been acquired if payments were properly applied when made. Now they want more money based on interest that should never had incurred. I have made a complaint with the XXXX  # XXXX to which they still refuse to correct the issue. I believe this is both fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # XXXX
Product: Credit reporting or other personal consumer reports

Attention Fraud Department Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor. 

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form XXXX, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form XXXX deprives me of essential information needed for accurate tax reporting. 

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, Experian, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

Can`t see credit score on Experian, they won`t show it until I sign up and pay for there services as a member. So everythng stays inacarate.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies Equifax XXXX and XXXX has not investigated and has not looked at my attachments and see that there are duplicate accounts and there is errors by ignoring the attachments that I sent to them to investigate. XXXXXXXX XXXX XXXX has reported twice on my credit report for the balance of {$670.00} and the amount due balance is {$670.00} on these account # XXXX. I have a XXXX XXXX XXXX  report that states that the last reported update was XX/XX/XXXX for the balance amount of {$570.00} and amount past due of {$150.00}. If this actual document of evidence that I provide today XX/XX/XXXX is not shown as accurate that I know that this is done intentionally and that no one is actually investigating my account. I demand these duplicate accounts showing a balance from {$670.00} be deleted and removed for my credit report.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i requested my Early warning report through the online portal. i then called the company a few days later and was told that my identity was verified and my report was being processed. 

On XX/XX/XXXX i began to to worry because i haven't received anything. i called again and was told that due to sensitive information my report could not be emailed to me, so it was sent through the mail. 

It is now the XXXX and i have not received my report! i called today for an update and he customer service agent i spoke to was very rude to me and told me that it does not matter how much i complained about report. its not nothing he will do and i will have to wait. 

not my report is lost and somebody has my " sensitive information '' Early warning needs to be held accountable for this and i will pursue legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX XXXX notified me my credit score dropped almost 100 points. After a lot of investing, it turns out XXXX sold my XXXX credit card to Barlcay Bank and gave incorrect, outdated personal information on me so that I never received a bill or any contact at all from Barclay regarding a {$60.00} payment due. ( Not even my correct last name ). That resulted in a delinquency on my 14 year Excellent credit score and dropped me from XXXX to XXXX. My credit reports history speak to how responsible I ALWAYS am. Zero balances every month for 14 years, except my mortgage. I spoke with XXXX and they said their records are purged. I spoke to Barclay n my and they said they won't help.
Product: Debt collection

XXXX XXXX XXXX  XXXX has posted collections entries to all 3 credit bureau '' s without aquiring proof of legitimate debt. It is also made duplicate entries on my XXXX Credit report.
Product: Debt collection

PORTFOLIO RECOVERY # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number Date opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX  Account number - XXXXXXXX XXXX Account number - XXXXXXXX XXXX Account number - XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXXXXXX XXXX ( XXXX ) XXXX - XXXX Account Number : XXXX XXXX INQURIES : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Credit card or prepaid card

In October 0f 2021, I received a phone call from Synchony saying that my Dick 's Sporting Goods credit card was past due, I had not received the paper statement. I called and asked if my statements may have been set to paper only, they assured me that it was not. I paid a late fee and paid the card off, as I always do. I didn't use the card again until XX/XX/22. Again, I was notified my acct was past due, I immediately paid the bill in full, along with another {$29.00} late fee. This time I decided the service is so poor that I would close the account rather than deal with this again. I called and closed the account, the initial person I talked to said she was transfer me to someone that could assist me, I was transferred to the automated system. The fact that they assured me that my account was not set to paperless was a complete lie. They have profited off their practices twice, in addition I was considered past due twice when I never pay my bills late.
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.

and list of Inquiries XXXX XXXX XXXX XXXX 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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX Balance : {$21000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX  ( Original Crditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX  XXXX  XXXX Balance : {$7000.00}