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

I opened A credit card with XXXX XXXX XXXX with a credit limit of {$400.00} on XX/XX/2018. After a few weeks of use they suspended my card for investigation. I called to see why and they said one of the credit bureau showed my social security number changed. They requested I show proof from social security office that the social security number I used belonged to me which I provided and mailed to XXXX  XXXX XX/XX/XXXX.Even after I showed proof my account was still closed onXX/XX/2018. I then Called to pay balance off since credit card was closed and submitted payment of {$400.00} on XX/XX/2018. On my XXXX report the information referenced is correct. Reason for complaint is that the credit bureau Experian is still reporting account opened and in derogatory. Experian also shows another error of account balance at {$2100.00} for XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im extremely frustrated in working with vw credit. I leased a vehicle XX/XX/XXXX and decided to buy it out around XX/XX/XXXX. My credit union  sent them the payoff and I received confirmation that the loan was paid in full. I bought a new car from XXXX in XX/XX/XXXX and XXXX XXXX the Volkswagen. I got a phone call from my credit union saying they were unable to get my title and that I needed to contact VW. I contacted them XX/XX/XXXX and they asked me to resign some paperwork which I did and never heard anything. Fast forward to today XX/XX/XXXX after speaking to the XXXX dealer who said they still cant get my title. I called VW. VW needs me to resign the same paperwork. Im extremely upset about the process because the car is no longer in my possession and VW has never followed up with me through the entire process. The only reason Im finding out there is issues is through my other lenders. I honestly feel like VW would keep the title forever had I not been alerted from my credit union. There should be no reason they have my title for almost a year after pay off.
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. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX It was brought to my attention that two accounts from XXXX XXXX was posted to my credit report in total of {$240.00} : Amount. Account number. Date {$130.00} XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX For XXXX XXXX XXXX past due insurance payment. I was informed by the XXXX XXXX  representative that the ID number linked to the account is XXXX. That is not my information. Ive been trying to dispute this debt since I signed up with XXXX XXXX in late XXXX. As of XX/XX/XXXX it would have been 30 days that I personally informed XXXX XXXX that this information was in accurate. Ive never owned, co-signed, nor leased this vehicle. I never gave anyone permission to use my information to make any purchase using my information. Due to these debts being placed on my credit report my credit score dropped XXXX points according to Equifax. I am seeking compensation in regards to this matter. Ive worked hard to get my credit to a XXXX, and to have someone elses debt affect my credit is upsetting. Im a single mother who works 7 days a week trying to make a way for me and my children. This has complicated my life. I had to rely on government assistance and help from XXXX XXXX, and XXXX XXXXXXXX XXXX to keep a roof over my childrens head.
Product: Debt collection

Around the end of XX/XX/XXXX I contacted Acima credit. I explained to Acima that my identity was stolen and used to purchase furniture. A representative name XXXX advised me to obtain a police and email the police to Acima. Thursday XXXX XXXX I emailed two police reports. A minute later a representative name XXXX accused me of making payment arrangements back in XXXX. These are false allegations and Acima credit is protecting criminals. XX/XX/XXXX I emailed Acima asking for a copy of the application that was forged using my information. Acima refuses to provide me with the document. I will be taking legal action.
Product: Credit card or prepaid card

Charges on CapitalOne : ( First contact with CapitalOne XX/XX/2022 ) dispute # 1 XX/XX/2022 ... ... XXXX ... ... ... {$190.00} XX/XX/2022 ... ... XXXX ... ... .. {$60.00} Tracking # XXXX Tracking number is showing delivered to XXXX, XXXX  ( not my address this is item returned to Bio*Lyfe ) Requested tracking # of goods shipped and received at XXXX XXXX XXXX, XXXX track # __________________________________ # 2 XX/XX/2022 ... XXXX XXXX ... XXXX .... {$190.00} Requested tracking number for this hipment Tracking # ____________________________________ ************************************************************************************************ I have refused to pay for the above XXXX charges due to the fact that no merchandise has ever been received by me or anyone else at my address XXXX XXXX XXXX, XXXX, XXXX  XXXX ( shipping and billing address the same XXXX XX/XX/2022 First XXXX with CapitalOne on this matter spoke with XXXX ... ... ..XXXX XXXX XXXX XXXXXX/XX/2022 CapitalOne provided paperwork from XXXX XXXX. 
Page 2, Page 3, Page 13 ... Delivery Results tracking # XXXX ... XXXX item has been delivered to the original sender at XXXX on XX/XX/2022 in XXXX, XXXX Please XXXX tracking # for reshipment_______________________________ I have requested this information thru CapitalOne asking vendor to supply this information. If tracking number can not be provided, provide information when credit was issued. 

Or provide credit issued information______________________________________ Dispute # 2 ( charge from XX/XX/2022 ) Recurring subscripition charge ... ... XXXX please provide tracking number for this shipment Dispute # 2 tracking_______________________________________ ************************************************************************************************ I have been trying since XX/XX/2022 to resolve this matter with Bio*Lyfe, and I contacted CapitalOne XXXX XX/XX/2022. I informed XXXX at CapitalOne that I never received anything communication/paperwork at all from XXXX, IF PAPERWORK WAS SENT THIS MUST HAVE GONE TO SPAM MAIL AND WAS DELETED. 
I do not understamd why this paperwork can not be provided by XXXX 
XXXX requested by CapitalOne *Sales Invoice or purchase agreement *Date and proof of cancellation *return policy from vendor *refund voucher from vendor I am very frustrated due to the fact that I have called, written over 5 times and attached all necessary proof of never receiving and CapitalOne is still siding with vendor. 

continue of complaint # XXXX
Product: Debt collection

XX/XX/2019 {$920.00} Issued call to the company, left contact information Provided company with forwarding address for invoice Offered to speak with management to settle the debt Asked for physical copy or proof of debt
Product: Checking or savings account

PNC Logo VIRTUAL WALLET APPLICATION HELP SECURE AREA You are applying for : Virtual Wallet TERMS & CONDITIONS 50 % Complete 50 % of Virtual Wallet is Complete TELL US ABOUT YOURSELF REVIEW & SUBMIT Completed progress is 50 percent of Terms & Conditions TERMS & CONDITIONS PURPOSE OF ACCOUNT START BANKING You've Been Approved! 
To open your accounts, please review the Terms & Conditions Fields marked with asterisks ( * ) are required View Terms & Conditions Certify that you agree to the following I've read and agree to all of the Terms and Conditions. I understand that I'll be electronically receiving and signing documents. *
Product: Vehicle loan or lease

Carvana has denied extension of my credit which is a violation of XXXX of Consumer Law. They are refusing my credit transaction as a Finance Charge state that it's the sum of all Charges. XXXX, which is the supervisor, stated I was approved for the vehicle & now partially approved if I pay them {$17000.00} which is a seperate transaction for the same transaction. 15 USC 1605
Product: Debt collection

Company was paid half upfront but never completed work that was agreed to. I'd like a refund for my deposit of the {$600.00} paid for nothing. The agreement was to evaluate and provide requirement for a wall that was XXXX tall. Instead they provide concurrence that existing wall at XXXX ' was acceptable. Multiple contacts with company said they would correct mistake but I the end all they did was ask for funds. Complete loss of funds and had to deconstruct wall in the end.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. 
Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX COLLECTIONS : XXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I requested to receive all three of the online credit reports at XXXX and was able to access XXXX and XXXX. I noticed a difference between reports and attempted to dispute the XXXX - XXXX XXXX XXXX Loan Amount. When I completed dispute, for Security Reasons the system booted me out. When I returned, it indicated I completed review of ALL XXXX credit reports. This is False as I could not longer logon again. I 've requested Experian provide me a link to retrieve my FREE Experian Credit report. 
Issue at hand : My Identity was misused by XXXX XXXX XXXX who was assisting me to purchase a property, XXXX XXXX, 2008, which he still owns. He used a Fraudulent Financial Institution : XXXX XXXX XXXX, Owner, XXXX XXXX, Used a Fraudulent Escrow Officer, XXXX XXXX with Fraudulent Escrow Co. XXXX, sold loan to a Fraudulent subsequent Financial Institution : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. Looking to EXPUNGE Fraudulent and Delinquent Bill from unknown Financial Institution. It 's not my Loan. Thank you.
Product: Payday loan, title loan, or personal loan

I HAVE A CAR PAYMENT SET UP WITH CAPITAL ONE AUTO FINANCE! THE ACCOUNT NUMBER IS : XXXX. FOR THE LAST 5 YEARS I HAVE PAID MY CAR LOAN TO CAPITAL ONE BY TELEPHONE AT THE END OF EVERY MONTH ( TELEPHONE RECORDS TO PROVE IT ) FOR {$360.00}! ON XX/XX/XXXX I SPOKE TO AN AGENT, LIKE I DUE EVERY MONTH, TO VERIFY MY PAYMENT! ON THIS DAY I SPOKE TO AN AGENT CALLED XXXX AND I CLEARLY EXPLAINED TO HIM THAT I WAS GOING TO CALL THEM AT THE END OF THE MONTH TO MAKE A PAYMENT! WHEN I CALLED ON XX/XX/XXXX AN AGENT CLAIMED THAT THE MONEY WAS ALREADY SENT OUT TO THEM WITHOUT MY LEGAL PERMISSION TO DUE SO! THEREFORE CAPITAL ONE BROKE THE LAW! I ALSO HAVE BANK RECORDS TO PROVE THAT I MAKE THE PAYMENTS AT THE END OF EVERY MONTH! BECAUSE THIS MONEY WAS ILLEGALLY DEDUCTED FROM MY XXXX  CHECKING ACCOUNT I HAD 2 CHECKS THAT BOUNCED AND WAS CHARGED XXXX IN OVERDRAFT FEES! CAPITAL ONE BROKE THE LAW AND THEY SHOULD BE PUNISHED FOR THIS OFFENSE!
Product: Credit reporting

I have information that is on my credit report this does not belong to me ... the address XXXX XXXX XXXX XXXX, MD XXXX and several accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts need to be removed asap I have filed police and ftc reports regarding this issue. 
Police Reporto Report number : XXXX Officer Name : XXXX XXXX XXXX # XXXX XXXX police department
Product: Debt collection

I returned a missed call from this supposed collection agency, when I was probing into who they were before giving personal information, I was told that I was wasting time and that I had owed a debt. When I asked if I can verify my address instead of my social security number, i was rudely hung up on by a manager. The customer service representative and manager used foul language and was extremely aggressive.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a late payment on an account that I always paid on time. Back in XXXX, I sent a letter requesting the removal of these late payments, but I received no response, and the issue remains unresolved. Under 15 USC 1666b, a creditor can not mark a payment as late unless they ensure the statement is sent at least 21 days before the due date. Credit agencies must report accurate information, as required by the Fair Credit Reporting Act. I never missed a payment and didnt give permission to report these accounts, XXXX XXXX  [ XXXX ], XXXX XXXX XXXX : [ XXXX ]. Please investigate and provide proof showing these payments were actually late and that I approved reporting them. If you can not provide this proof, I request that these payments be corrected to show on-time, as I was never late.
Product: Debt collection

Pay same as cash no interest as long balance was made by due date, I had balance due of XXXX by XX/XX/2021 I made before the XXXX however the day I call which I always make by phone to avoid processing fee talking to a real person I let them know their was phone problems I made payment of XXXX I realize i needed to pay XXXX but the machine had picked up by voice XXXX I was not able to pay XXXX cents I kept calling it took several days to process payment, by then my account had charged interest of XXXX and late fee. 
I call to speak to someone numerous times with no help I had to finally get a supervisor to file a complaint of of course they mailed me a letter telling me everything I already knew. They never considered that I never missed a payment and on said date I was truly trying to pay my balance off! 
I even tried to file a second complaint for I knew I had been done wrong I was told that it wouldnt do any good. 
They should have on file of all my calls and conversations. 
I even ask for a settlement balance answer was no we dont do that,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, these accounts below need to be removed, I went to the police station and gave them all the account numbers to these accounts someone opened in my name, I have talked to the vendors and they advised to file a police report By law these accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX