23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capital One credit card stated I owed them money for a credit card. They sent to the IRS that I had agreed to a discharge of debt totaling XXXX. I in turn had to pay the IRS {$630.00} for additional taxes. I called Capital One several times asking for a validation of debt and when did I agree for a discharge of debt and to this date they have not responded. I do n't know if this was identiy theft but I did want a validation and they have refused.
Product: Debt collection

I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted letters to Equifax asking for validation of XXXX debts ( XXXX XXXX XXXX and XXXX XXXX ). This was my second request, I also asked that unauthorized inquiries be removed. I also included copies of my state issued drivers license and social security card with the letters. In XX/XX/XXXX I received correspondent back from Equifax requesting I send copies of my identity which would include a state issued ID card and social security card. During the month of XX/XX/XXXX I also was informed that a XXXX XXXX XXXX XXXX was being frozen because Equifax sent the company copies of my identification and notified them that I was disputing this account because it was fraudulent. This would be contradictory to Equifax reporting to met that they do not have copies of my identification and this is also incorrect information being furnished to XXXX XXXX. I did not dispute the account and Equifax does not have any correspondence from me that would suggest such. The inability to use this account has been an inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX as Company Info : XXXXXXXX XXXX XXXX Account No - XXXX XXXX. XXXX XXXX- {$1300.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account XXXX XX/XX/XXXX I already contacted XXXX XXXX on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX  XXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed a collection on my credit file the collection is from XXXX XXXX XXXX XXXX, says original creditor is XXXX, a company Ive have never had an account with this company and want it investigated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXXhas violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account on my credit file which is currently closed and doesnt belong to me. The account was opened fraudulently. XXXX XXXX XXXX XXXXXXXX  I submitted a ftc report along with proof of my identification. The account was blocked from my credit report for the duration of the dispute investigation. However, I received an update for the account which stated it was verified and it would remain on my credit file. I was not provided with any proof of verification, which means this account XXXX XXXX XXXX XXXX  should not be on my credit report. IT SHOULD HAVE BEEN DELETED!!
Product: Debt collection

I stopped into the XXXX XXXX XXXX XXXX in 2019 to make sure I did not have any unpaid account. I spent an hour discussing with the receptionist there while she checked on my account. I was advised that I owed nothing and it had all been paid. 

I gave her my name, social, address and all other information for her to verify my account. After her response, I asked her to recheck and she verified this. I now get a notice that I owe {$170.00} to this company through a separate bill collector called merchants credit guide. 

I am very tired of trying to fix things that should have been fixed by the original company. It is not what you want to do when you have XXXX. It is continued harassment for doing the right thing : paying my bill!
Product: Debt collection

i recieved my XXXX report by mail dated XX/XX/XXXX and it was not updated to dispute status after i sent a letter that north american received on XX/XX/XXXX. I look at my updated report on XXXX from XXXX and its showing a back date of XX/XX/XXXX but my hard copy i recieved directly from XXXX says they did not update since XX/XX/XXXX. Im not sure how they fraudulently updated my report to show status of XX/XX/XXXX when a week XX/XX/XXXX on my XXXX hard copy says XX/XX/XXXX. i will be contacting a attorney because i have my prior complaints and my current credit report and also my report from XX/XX/XXXX. What north american is doing is against the fcra. I will attach a copy of my XXXX report hard copy dated XX/XX/XXXX. They did not update to disputed in the 30 days as required by law and are doing fraudulent things with my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card?
Product: Credit card or prepaid card

Good Afternoon, My name is : XXXX XXXX XXXX I am the legal and authorized representative payee for my son, XXXX XXXX XXXX. I have been using-Direct Express issued by : Comerica Bank . 
On Saturday, XXXX, XXXX, 2023 ; I was attempting to pay my son-telephone bill- Metro and the card number security code was not being accepted. I could not understand ; as I have paid with this card many times.

Inadvertently, when I called to get an account balance from, Direct Express ; I was switched to card services.

They informed me that card was blocked. I was advised of the documents that would be needed to unblock card. 
I faxed documents that were determined received ; but too dark. I then was advised of their email address : XXXX. I sent ten ( 10 ) email with copies of the documents front and back. I forwarded XXXX-State of Maryland, actual ssn card, address correction card and physical government employee ID from XXXX XXXX Government XXXX I was then advised on tenth try that ID were approved ; but birth certificate was still needed. All documents forwarded were received because of presentation of my birth certificate. 
Never the less, I had to obtain an appointment- XXXX/XXXX/2023 @ XXXX XXXX. I also went to Social Security Administration to report that I could not access funds. They contacted Direct Express and card is still block. 
My ticket numbers are : XXXX and XXXX. This willful refusal to unblock my sons benefits has created a severe hardship and exploitation of the a XXXX and vulnerable person. I can not even get my son medication and monthly expenses must be paid. 
In closing, this is a request for a full investigation as to the practices this company has and the willful neglect and financial exploitation that has been continuing with still no access to the benefits ( as I write this ). They never requested any of the verification when account was opened. They did not request my phone number or suggest and request my email and telephone number. They simply requested a PIN number to receive monetary government issued benefits. 
In closing, hopefully this company illegal practices will be brought to light and exposure to warn others and government officials of banking, and financial institutions and markets. 

Searching for Justice, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureuas are inaccurately reporting information on my credit report which is a violation of the FCRA and FDCPA.
Product: Credit card or prepaid card

I have been unemployed for three months so my payment is currently late on my XXXX XXXX credit card which is managed by XXXX XXXX.

Today is Saturday and I started receiving calls from XXXX at XXXX XXXX XXXX. Subsequent calls have followed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and again at XXXX XXXX At this rate I will receive approximately TWELVE CALLS FROM COMENTIY BANK BY XXXX XXXX   TONIGHT  which is when they have to stop calling!!!!!

But this is not the first time it has happened. It happened once before, while I was unemployed recently, and my payment was late. I counted the number of times they called and it was between 12 and 14 CALLS EVERY DAY!!!!! I have been in job interviews when XXXX XXXX called me TWO TIMES DURING THE INTERVIEW!!!

THIS SHOULD BE ILLEGAL!!!! I've had stalkers who have called me less than twelve times per day!!!! And on a SATURDAY!!! When many people are socializing and having to explain the stalker calls on their cell phones.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have this inquiry left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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

I have tried to request a free credit report with Experian and I have attempted to freeze my credit with Experian. In both cases, their online system fails and requests that I send a physical request for the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit reporting Act, I am submitting this CFPB Complaint to you today to rquest tha the erroneous accounts being reported on my Credit File be immediately investigated and corrected on my credit file. I have seen here that the accounts : OFFICE OF THE ATTY GEN XXXX XXXX : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} are reporting to be 120 days late.An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Additionaly, the account OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} is being reported by the Equifax Credit bureau as late which is different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Names : XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was opened fraudulently. The company has falsely verified information based on the email address and phone number when both sets of information, including my social security number, have been compromised for years and are on the dark web, according to XXXX. So my email address with the password, phone number, social security number, and possibly address are on the DARK WEB ; attached is proof. I have filed a police report and FTC report and obtained notification from XXXX verifying that others have received and used the information on the dark web. Even my bank account was compromised, and fortunately, my credit union addressed this appropriately, unlike Discover, which continues to ignore the identity theft that was demonstrated and applies the consequences to the victim ( myself ) instead of removing the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX XXXX from XXXX XXXX and returned in within their 30-day time frame. I never made any payments on the car, and didn't even know that the loan was on my credit report. I reached out to XXXX XXXX in early XXXX and was advised by the young lady that she would forward my issue to the Credit Dept. and that it could take up to 6 weeks to resolve. Well on XX/XX/XXXX, I decided to dispute the account and related balance directly with Experian. I uploaded the XXXX XXXX documents to the Experian portal. I received an update from Experian on XX/XX/XXXX that the outstanding car loan and balance was verified as ACCURATE. It makes no sense to cause me this much stress. Even if you call the XXXX XXXX XXXX number, that account has a XXXX balance. PLEASE REMOVE THIS ACCOUNT AND RELATED BALANCE FROM MY CREDIT REPORTS. I RETURNED THE CAR WITHIN YOUR POLICY GUIDELINES.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was setting up a cell phone line with XXXX XXXX and was asked on the phone if it was ok to do a credit inquiry I told them it was not ok and they did it anyway. When I contacted them about it they said that it was done the day before when I had contacted them about another issue and that the person I had talked to that day forgot to tell me they were doing a credit inquiry. They acknowledged the mistake but refused to remove it from my credit as they are required by law and said that it was not possible for them to remove it and I need to contract Equifax. I disputed it with Equifax but they are refusing to provide the results of the dispute.
Product: Credit card or prepaid card

I received a letter from Citi Cards dated XX/XX/XXXX stating that they had reversed two merchant credits on my Mastercard account because they duplicated a credit by Citi Cards due to my dispute. In my reply dated XX/XX/XXXX, I explained that the credits that they reversed were for different charges on different dates, unrelated to the disputed charge. I asked them to reverse their wrong action. My reply was ignored, and the charge appears on my XXXX statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be Experian, XXXX and XXXX XXXX. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.
Product: Debt collection

I recently requested that the office of Cavalry portfolio Service provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.
Product: Credit card

I RECENTLY applied for American Express Business Gold Rewards Card via a WELCOME offer that i got in my Online Account at www.americanexpress.com. THE Offer was to get XXXX Membership Reward Points as Welcome Bonus after spending {$5000.00} within 3 months of account opening. ( I had this same card once in the past, and i had closed the account in 2013 ) American Express has a policy that " Welcome bonus offer not available to applicants who have or have had this product '' THIS IS MENTIONED ON THEIR OFFER TERMS. 

HOWEVER, MY OFFER TERMS Did not have this LANGUAGE Restriction anywhere which said that " Welcome bonus offer not available to applicants who have or have had this product '' I have printed the Offer Terms of my welcome offer as proof and am attaching BOTH the WELCOME OFFER PAGE AND OFFER Terms Pages to you as proof. Nowhere in my Offer terms it is mentioned that " Welcome bonus offer not available to applicants who have or have had this product '' I have also faxed/mailed my Offer Terms of my welcome offer which did not mention anywhere that I am not eligible to get this XXXX points since i had this card in the past, to American express customer service, however they are refusing to Honor my Bonus promotion offer saying since i had this card in past, they can not give me the Bonus 2nd time. 
I want your intervention in this matter and make American Express honor my promotion since my offer terms for the card i applied for and am approved, does not have ANY LANGUAGE RESTRICTION OR CLAUSE THAT SAYS " Welcome bonus offer not available to applicants who have or have had this product '' I know of a few people who have got this promotion 2 to 4 times for this same card as their offers that they had received did also not have this Clause restriction 'Welcome bonus offer not available to applicants who have or have had this product ' mentioned on their offers. 

So if other customers who did not have such offer restrictions have gotten this bonus promotion more than one times, why can not This company honor my promotion as my offer terms for this offer also did not mention any such language that states " Welcome bonus offer not available to applicants who have or have had this product '' I am sending both my welcome offer and OFFER TERMS to you as Proof, as all these pages ( my application offer page and offer Terms '' show the proof that there is no mentioning of the Language/Clause/Restriction " Welcome bonus offer not available to applicants who have or have had this product '' anywhere on my Offer i received from American Express company.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX  XXXX  DEBT BONDAGE, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATIONFROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTIING ACT. I AM VITICM OF XXXX XXXX OF DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED, DELETED, AND REMOVED FROM MY CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX