23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Rent Recovery Solutions, an invalid debt on my credit repot, was removed due to the inability to verify the debt was accurately mine on the week of the XXXX of XXXX. Upon checking my credit information on XXXX/XXXX/2016, I observed this item was put back on my reports. I did not receive any verification of why this item was placed back on my reports. Also, this item is shown TWICE on my XXXX for the same debt, only the account number was changed and the amount decreased by {$1.00}, which deems this act to be an unlawful practice in an effort to continuously put and keep this fraudulent account on my credit file.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Revolving account with account # XXXX  opened on XX/XX/ and a balance of {$940.00}. I previously disputed this account stating : ''This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 15 USC 1681 I 1A, 15 USC 1666B, 15 USC 1691A ( 2 ) ( i ), 15 USC 6802
Product: Checking or savings account

These XXXX different transactions of {$7.00} each per month were never authorized. How did this happen? Why was I charged? Refund me {$56.00} ASAP. See attached.
Product: Debt collection

I never received notification that I owed this debt. It was an apartment I lived in before I XXXX to XXXX as an XXXX XXXX XXXX XXXX. I paid all rent charges in full before leaving and was never called or emailed regarding additional charges tpnky account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, 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: Money transfer, virtual currency, or money service

XXXX I contacted Navy Federal Credit Union XXXX and requested that a CD be closed and the funds ( {$54000.00} ) be mailed to me as a cashier 's check. 
XXXX Having not yet received the check 3 weeks later, I called the XXXX XXXXXXXX XXXX speaking to XXXX XXXX who informed me that it can take up to 21 business days (! ) to generate the check, and that it should arrive by the end of the week. In case it did not arrive, he gave me Form 170A to fill out to have the check replaced. I submitted the form. 
XX/XX/22 The XXXX XXXX rejected my form -- they did not like my signature. They also provided the check number to include on the new form. No other issue was noted. I submitted a new form via messaging. 
XX/XX/22 The XXXX XXXX messaged me that I must wait 90 days for them to begin the process of reissuing the check! Meanwhile, I am losing $ XXXX in interest on the new CD I intended to open with these funds. 
XX/XX/22 I messaged the credit union that this was not acceptable, that they should stop payment on the cashier 's check, and that their retention of my money will cost me about {$450.00} by the time the 90 days is up before they will even start the " up to 21 business day '' time period to issue my replacement check.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I mail a disputed letter of no knowledge to debt to the requesting Agreement with the claimant Agreement the bears the signature which agreed to pay creditor Any insurance documents, Date original date of charge off/delinquency Verification that this debt was assigned or sold to collector. 
Complete account of alleged debt I haven't received any of the documents listed above. 
XX/XX/XXXXXXXX  I resend another letter notarized and certified mail with USPS requesting for the documents of proof of debt.
Product: Credit reporting or other personal consumer reports

This is my new complaint that I am a victim of identity theft and I submit to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are REMOVED from other bureaus and I have doubts in their accuracy and the reported payment history on these items are a mystery to me. Here is the list of items that I specified for REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXXXXXX XXXX XXXX, OH XXXX
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I discovered accounts and debts on there inwhich I have no knowledge of, I also understand that I been a victim of XXXX  breach, so now I'm writing in to get the following accounts/ collections rightfully removed from my report the accounts in questions are reflected by the following dates, XXXX, XXXX, and XXXX
Product: Credit card or prepaid card

Comenity Bank/Victoria Secret closed my account due to a false fraud claim that was never disputed with the credit reporting agency. I contacted all 3 credit bureaus and they stated they never submitted a fraud dispute for my Comenity Bank/Victoria Secret card. 

I have never had any fraud related issues or fraudulent transactions with the Comenity Bank/Victoria Secret card.
Product: Debt collection

Navient Student loans - XX/XX/19 I submitted a request for refinancing and was able to login and submit my application. A confirmation email was sent to me saying that they would contact me when my new payment plan was ready. I have not received any correspondence from them giving me information on my new plan. In the meantime I received numerous collection calls from them. I have since not been able to access my online account as it says that my login information is wrong. I am not able to make calls at my place of employment during the day so I tried numerous times to email them but can not reach a working email. Now yesterday I received a letter saying they will be intercepting my tax return.
Product: Debt collection

Jefferson Capital credit collection agency continues to try to collect XXXX year old debt without validation and paperwork. I have continued to request info they have not done so. I have disputed the collection several times each time XXXX denied and Jefferson changes date on collection so it reports as recent debts hurting my credit more and more. I have been trying for XXXX years to get this taken care of and nothing has been resolved.
Product: Debt collection

On XX/XX/2017 I wrote to the disputes department of Portfolio Recovery regarding a supposed debt that they alleged and in this letter that was sent certified with return receipt they were instructed to contact me in writing only and to provide proof of the debt. 

They have continued to call repeatedly to my cell phone number and today at XXXX XXXX they called my employer. They had sent a photocopy of a statement that didn't indicate anything about their right to collect on the debt, more importantly the debt has passed the statue of limitations and is no longer enforceable. 

I believe this is a direct violation of the Fair Debt act and want this harassment to end immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/23 i received refund from XXXX XXXX XXXX to close bank account in the amount of {$1500.00} and then another refund on XX/XX/23 from XXXXXXXX XXXX  XXXX in the amount of {$2800.00}. Because bank account was closed chase issued me a cashier check for the amount of {$2800.00} but not for {$1500.00} and they can not find any record of the refund transaction what so ever. And the merchant has confirmed the refund was clear and has not been returned.
Product: Credit card

Avant credit card I have tried to get my interest lowered because I am being charged the XXXX of the every month, after I make my autopay amount of {$25.00} on the first of every month, they also keep charging late fees on top pod it, and they will not let me speak to a supervisor. Also the company does not allow transfer balance to a lower interest rate card. I paid this credit card off 6 or more months ago and I stopped using this card for months, it was a {$200.00} limit with low interest rate then, when I started using the card again they changed terms, interest rate and increased my limit from {$200.00} to {$500.00} without notice and I am struggling to pay this off, this time around because of the interest rate. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX XXXX   ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.
Product: Credit card or prepaid card

my email is XXXX. I dont know where to change it.I had 2 payments to my account on XXXX and XX/XX/XXXX but not from my bank. The amounts were XXXX and XXXX. In the meantime charges were placed before these deposits were sent back to the bank. Following are charges that I didn't make. 
XXXX XXXX   for XXXX. I looked up my purchase history and I do not have anything that was ordered for that amount. 
same with XXXX on XX/XX/XXXX for XXXX,. 
XX/XX/XXXX ( XXXX ), XXXX, XX/XX/XXXX ( twice ), for XXXX. I don't have anything to show for this and I have a XXXX XXXX card I could use. on XX/XX/XXXX another XXXX XXXX charge for {$600.00}. I is amazing how my supposed purchases came out with an even number. I have cash being taken out from a gas station for ( XXXX on XXXX and XXXX on XX/XX/XXXX ) and XXXX   on XXXX for XXXX for XXXX  products. I don't have any XXXX products nor do I ever withdraw cash from a credit card nor get cash from a gas station. These are only a few I have questions about
Product: Checking or savings account

I have been banking with Capital One Bank for many years.  I have been using their online banking to access my account information and pay bills for many years.  A couple of weeks ago I went online to pay a bill and suddenly ALL my banking information was gone.  I have a credit card with the bank as well and the only thing visible when I logon is the Credit Card.  I no longer have access to my checking account online.  Yes, in the past BOTH the CREDIT CARD and CHECKING account was visible when I logged into Capital One.  I have called the bank MANY times and have gotten the run around; however, nobody has been able to correct it.  I am XXXX years old and recovering from XXXX  and have been told many times that they don't know how to correct it and will "escalate the issue to another department".  Yesterday, I had someone take me to the bank (spoke to XXXX XXXX) and he also told me that he doesn't know how to correct it and will "escalate the issue to another department".  My only solution for now was to open a new account, at another bank, so I can pay bills online and view my transactions.  I would like Capital One to give me back my access to online banking.  And as an aside... XXXX XXXX is the most unprofessional person I have dealt with in quite a long time and this was not my first unpleasant experience with him.
Product: Debt collection

I sent letters and disagree that I do not owe any debt or have a contract with Credit Collections Services , Inc or ( CCS Companies , Inc. ). I have no contract with them. I have never had an agreement with them and have asked them to send validation that I owe this alleged debt. They have ignored me several times. I have sent a Cease and Desist letter that also states to remove this invalid alleged debt that is on my XXXX credit report and has cause me financial difficulty.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX  have violated federal laws constantly the account in dispute is XXXX XXXX XXXX XXXX partial account # XXXX is violating my rights the federal law states U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. Please send proof of my written consent sent to you certified mail! As a consumer This company XXXX XXXX XXXX XXXX  have violated federal laws constantly account XXXX XXXX XXXX XXXX partial account # XXXX! Federal law U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL act to subsection ( c ) any consumer reporting agency may furnish a consumer report unauthorized following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN Instructions to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter in the mail from XXXX XXXX  stating the account I opened was over drawn extremely and I never opened an account with their bank. I reported this issue to them who referred me to this website.
Product: Debt collection

I told these bottom feeders to stop calling me and send the debt collection letter I wont talk on the phone but they keep calling now have them send the debt collection letter then have then return the account due that I am exempt from debt collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts several times with all three bureaus and according to FCRA violations, these items should be removed immediately
Product: Credit card

When I make a payment it takes several weeks to appear. 

I must wait 10 weeks for a refund on my secured credit card if I close my account. 

They are difficult to get ahold of and provide bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a XXXX  XXXX account that has me listed as a XXXX authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I did not consent, nor benefit from, or authorize any of the following Account : XXXX XXXX XXXX XXXX XXXXXXXX {$43000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account # XXXX Account Name : 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.