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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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
Product: Credit card or prepaid card

My XXXX XXXX gift card was lost or stolen and I called XXXX XXXX / Incomm and verified my information and was finally told I'd receive a replacement card on the XXXX within 8-14 business days. 

It never arrived so I call again on the XXXX and another replacement card is said to be placed. 

It's now XX/XX/XXXX and I've called once more and I've never received a card. 

I've never heard of such incompetence - who can't mail a simple card? I've verified my information and address over and over and over and spoken to reps ad nauseum.
Product: Debt collection

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my credit report, Please remove these accounts from my credit report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was 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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX -- Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX-Highest Balance {$1700.00} XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by a clothing manufacturer in XXXX. The manufacturer was supposed to give me a refund because they made a mistake and made my pants wrong. I asked them multiple times to fix it or refund me please and they didnt and refused. They keep saying theyre still shipping it but gave me a tracking number where no package exists. I tried solving it with Remitly but they told me it was nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im re submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting

I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify an account under " XXXX ''. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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. 
I HAVE NOT INSTRUCTED ( XXXX, XXXX, OR EXPERIAN ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NEVER AUTHORIZED INQUIRY OF CREDIT THROUGH TRANSUNION. IVE CALLED TO DISPUTE AND THEY HAVE REFUSED TO INVESTIGATE. I REQUESTED TO SPEAK WITH XXXX DEPARTMENT AND THEY HAVE REFUSED TO PLACE ME IN TOUCH WITH FRAUD. 
ALL XXXX INQUIRIES ARE INVALID AND WERE NOT INITIATED BY ME
Product: Credit card

I had a XXXX credit score after paying off XXXX XXXX  early. Somebody closed my credit card through Capital one without my permission. I dont think it was capital one. I believe it was a scammer. Now I have bad credit. What happened to my credit score woth XXXX and XXXX XXXX.? Also I never lived in XXXX Colorado on my previous addresses I believe a scammer was using my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.

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

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2019, there was an error in the XXXX XXXX computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another company.
Product: Debt collection

I have attempted to request validation on this debt multiple times beginning since XX/XX/XXXX and every 30-60 days since then. But the collection agency was already attempting to collect the debt which was on my credit report prior to XX/XX/XXXX. In XX/XX/XXXX they responded with a copy of a bill from the original creditor but there was insufficient proof of the debt belonging to me. They provided documents that did not have my correct name, the signature was not my signature and the date was typed in instead of wet signature. My account with the original creditor shows a {$0.00} balance but it also shows they produced a bill XX/XX/XXXX but from what I can see the bill date is XX/XX/XXXX which I do not recall creating. I have never been contacted by this collection agency nor the original creditor about a balance owed anytime from the date of assumed debt creation according to the original creditor. No bill was generated in XXXX that I can see nor seen during anytime since XXXX up until XX/XX/XXXX from the original creditor. I have access to XXXX which is the program provided by the original credit that shares all medical information with the patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to file a dispute multiple times over two years with the three credit bureaus. i have supplied verifying documentation. the credit bureaus have not updated the accounts with accurate information. i called the credit company and they said they were not able to supply accurate information or did not have the information required for the report. they requested that i supply them with their own documentation. furthermore, it is clear that the credit bureaus and credit provider have limited the ability for consumers to submit information or to contact them in ways that are significantly detrimental to average consumers. the corporate culture that has been developed is significantly detrimental to certain demographics too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} FL XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  {$20000.00} XXXX  XXXX {$4900.00} XXXX XXXX XXXX ( finance ) XXXX  XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX bank ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Checking or savings account

An Umpqua checking account was opened in my name and the suspect spent over XXXX and now Im being ashes to pay for it. They used my name, social and address. Attached is one of the first notices for an over drawn account.
Product: Credit card or prepaid card

I have been a customer with Capital One now for about a year, and have been making on time payments. However for the months of XXXX and XX/XX/2021 I have received two late payments. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. Every time I schedule a payment to be processed on the app I choose the payment to be processed the next business day. 

However the payment always get charged at completely random days and times. I will schedule the payment the next day and it will try to deduct the funds from my account sometimes a week later! The payment system is very unreliable and has caused me to miss two payments already, as I will have the right amount in my checking account to pay my bill but the charge doesnt occur until days later causing the payment to decline due to my checking account balance being off sometimes by a few cents. 

I eventually found a solution and had to settle with a company named XXXX to submit the payments to Capital One for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the companys payment system does not deduct funds on time. I would like to remain a customer I love Capital One a lot. I just would like this issue acknowledged as my credit report is very important to me, and I truly care about paying my bills on time. 

The company itself I have no issues with. They are friendly and its a good credit card. I would like to remain a Capital One customer for the rest of my life. I just wanted to bring awareness to the payment limitations as it has probably caused others to become late on their payments as well. Thank you and I humbly ask that you help me resolve these late payments as I am a loyal Capital One customer. 

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

ITS BEEN 60 DAYS NO RESPONSE AND ALL 3 BUREAUS ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THEY DO THAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just notified via XXXX XXXX that my Equifax Credit Report has a delinquent account. I then logged into Equifax, reviewed my credit report and noticed that there is in fact a delinquent account present. The delinquent account is from a Homeowners Association in XXXX, TX. Specifically, it was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX I have never lived in or owned property in XXXX, Tx or XXXX XXXX. My home is located on private property in XXXX, Tx. 
Furthermore, I have never owned property that was subject to a Homeowners Association. I am 100 % positive that this account does not belong to me. My credit score dropped more than 100 points overnight. I have contacted an attorney and plan to sue XXXX XXXX XXXX XXXX Fair Credit Reporting Act? I have been harmed financially due to XXXX XXXX XXXX negligence and record keeping practices. Is there anything your agency can do to help me with this matter? 

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

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have a car loan with Huntington Bank. I filled out paper work with Huntington to initiate auto draft for loan from bank account. Two days prior to the day my payment was due, I called to confirm it was setup correctly and good to go. They confirmed it was setup correctly. Huntington bank drafted the money from my account on the day the payment was due. Few days later, I got a call from Huntington stating that my account was past due. I sent them copy of my bank statement showing that money was taken out of my account by Huntington for the loan. They told me the issue will be resolved in two days and I would get a phone call. Nothing happened and I called back two days later and gave them additional information my bank provided that could help. I was again told they are working through the issue and they would call me in 2 days. Two weeks passed and nothing came out of this. In the meantime, I kept getting letters in the mail stating that my account is past due and they are sending it for collections and charging late fees. I called again this Saturday, they said they don't have any information and can't even tell if my account is even set up for autodraft. They kept me on hold to check for over an hour and then hung up. They never called me back. My account will be autodrafted on this Tuesday for loan payment. This should have been fixed two weeks ago but no one has been able to help me. Instead, I get pushed from one person to another. I called back today and additional {$400.00} has been drafted from my account. Now they are telling me they never called back because they didn't have a proper phone number to call back when I had them update my phone number over two weeks back. In addition to that they are saying that I was never setup for autodraft even though they saw copies of my bank statement. They are asking for copies of checks which I can not provide because I didn't write a check and it was autodrafted. I don't know what to do at this time and I am beyond frustrated.