23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was called and told about a unpayed credit card. I explained I thought it was payed off and have not received any notice. Thy replied that thy sent letter and ask about address. My address has been the same for 20 years and they did not sent to right address. I asked if they could resend to confirm the unpayed card and they said no that if I did not pay they would be serving me papers the next day. I ask to give some time they said no. They wanted payment now or I would get sued. The scare tactics was horrible. One of the women started yelling at me saying she was doing me a favor and if this is the only chance to talk or there would a judgemental against me in the morning. I asked if the call was being recorded and she got mad and called me uncooperative that she did not have do put up with this that 's she had what sounded like hospice at home and she didnot have to pUT up wits this I replied that i am wan ting to hand let what eversion i owe bUT wold lIke proof of some kind. She got mad and saI 'd if i dI 'd not pay she wold be getting a judgment agains me and cost me more.She said you need to make pay what you owe this would n't happen. I tried to make a deal paying half and making payments on the rest and she a I 'd no that that option past when I did not respond to letter. I said you sent letter to another address and you have correct address and did not send to it. She got mad and hung up saying I would be getting sued. That she new available amount on my bank card wanted payment Another XXXX called back and work a one time payment out after more scare tactics leaving me unsure if I did right by paying. While waiting at bank to clear money another person called my wife 's phone to see if we where going to pay XXXX her We both were aafraid of getting account seized
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, as alerted by my calendar, I tried retrieving online my free annual credit report from Equifax. As usual, they refused, asking me to apply by snail mail. No reason is given ( " We are not able to deliver your free Equifax Annual Credit Report online '' ). 

They do ask 4 " identity '' questions, 2 of which are related to items in my credit report and I can answer precisely, another 2 aren't ( this is determined with a copy of my most recent Equifax credit report that was sent to me by mail ), and are best answered as " None of the Above ''. 

Equifax ( as well as XXXX  ) do this every year ( All of XXXX 's questions are relevant and can be answered precisely, and XXXX 's report is always available online ). Equifax  ( and XXXX  ) just plain refuse to show me my credit report online. Will this Bureau put an end to this abuse?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX  want supporting documents to show this account on my credit file is fraud. XXXX XXXX XXXX. This is not a duplicate this complaint shows supporting documents of my income and also shows what the dealership falsified, my monthly income as XXXX and I only receive XXXX a month ssi.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX  XXXX XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged BMW FINANCIAL SERVICES showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

BMW FINANCIAL SERVICES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.
Product: Credit reporting

I was told by the XXXX major bureaus that I had to contact the creditors for the inquiries on my report that is n't mine. I was told that they could n't do it. So I contacted the creditors with the information provided by my credit report. I sent each and every company a letter disputed that I have not applied for this credit and to pleas remove from my report. After 45- 60 days. I sent the responses to the XXXX bureaus and also sent some the the mail as insufficient address. Meaning it was n't accurate. I sent all the information to the bureaus and they still did nothing. I called each one and they claim that they still was n't going to remove it. They claim that u need to contac the creditors. I told them I did. You hv some letters stating that the company does n't have I for. A few letters stating that the inquiries was not hard. Also return address and no accurate phone number. I was like I 'm using the information that you allow the creditor to report and the results is this. Each bureau have all copies. They refuse to help me. I pay Experian XXXX and XXXX to be apart of there services and they have been horrible to me. I also have a few collection accounts that are not mine and the companies have yet to prove that. My identification was stolen about 8 years ago. However I did n't make a report because I was not aware that I needed too. I just went and got got new identity. Not realizing that it was important for me to do that. However I was told that I needed too. So I do have a police report. I just want theXXXX bureaus to treat me with respect and just stop letting peopl report items to my report just because they are paying them.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report I noticed unauthorized and fraudulent credit inquiries even after I advised you of identity theft and asked that my credit be frozen by phone call, online and letter. I did not authorize anyone nor give Written consent to anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX XXXX permission to furnish this information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified XXXX, Equifax and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 that I am not responsible for the listed account as I am a victim of identity theft. The furniture store in question forged my name on a contract which I did not authorize. I forwarded an identity theft police report number from my local police department, as well as my report/complaint number with the FTC. I also furnished XXXX, XXXX and Equifax with the Civil Index Number regarding the fraudulent account and charges and after numerous complaints written, phone and online you have continued to violate my consumer rights. 15 US Code 1108/c-2, that clearly states 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 well over 30 days in facts 5 months. You are in violation of this law because I am a victim of identity theft!! Please delete these Items immediately from my credit report and as the law advises block the reporting of the information I would hope that XXXX, Equifax and XXXX no longer violates my rights and removes and blocks the below account and its information as well as remove ALL inquiries associated with this identity theft. If this information is not removed and my credit report updated within the 4 business days the FCA law requires I will be forced to file a Civil Suit to protect my Federally protected rights. 

Personal Information to be deleted : Address : XXXX XXXX XXXX XXXX NY XXXX Account to be immediately cease and desist reporting, delete and block from reporting : XXXX XXXX Account XXXX Date Opened XX/XX/23 {$4400.00} XXXX XXXX Account XXXX {$1800.00} XX/XX/23 Inquiries to be removed immediately : XXXX, XXXX inquiry date XX/XX/23 XXXX  XXXX Inquiry date XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX Inquiry date XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23,XX/XX/23, XX/XX/23 XXXX Inquiry dateXX/XX/23Best Regards, Without Prejudice. All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. In XX/XX/2024, after reviewing my credit report, I noticed several unauthorized accounts. I disputed these accounts with the credit bureaus, and TransUnion removed them. 

However, on XX/XX/2024, I discovered that the XXXX XXXX  XXXX XXXX accounts, which should have been removed, were reinserted into my credit report. This re-insertion indicates a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. 

TransUnion has breached the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to notify me within five business days about the reinserted accounts, 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Failure to provide certification that the reinserted accounts are accurate, 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of the reinserted accounts, I demand the immediate removal of these accounts from my credit report. Please be aware that failure to correct these violations could result in damages of at least {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX FAIR WAY XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX ROUND XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX VIEW, TX XXXX POST OFFICE BOX XXXX FM XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX all not mine
Product: Credit card

At around XXXX XXXX. on Wednesday, XX/XX/2023, I tried to buy a tent from an online retailer using my CapitalOne credit card. I had been saving up for this tent and it was the last one in stock. 

CapitalOne flagged the transaction as suspicious, declined it, and then placed a hold on my account so that I could no longer use my credit card to make purchases. CapitalOne sent me an email and a text message urging me to call them to clear up the matter. I phoned CapitalOne customer service only to find out that the their offices were closed and would not open for several more hours. I also called CapitalOne 's fraud protection office ; they were also closed. I logged into my CapitalOne account online but there was no way to remove the restriction on my card. 

Thanks to CapitalOne 's unrivaled stupidity, I lost the tent. 

How can CapitalOne unilaterally restrict my credit card when their customer service office is not open 24 hours and they do not offer any way for customers to remove holds online? What if I was traveling abroad and in an emergency and needed access to my account? 

This isn't the first time I have trouble with CapitalOne. They are the absolute worst credit card company I have ever dealt with by far. I will be canceling my credit cards with them, and I urge others to do the same.
Product: Credit reporting or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld. 

Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX XXXX Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt. 
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.

Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.

Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt. 

Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it, which should include a signed application with the consumer 's wet ink signature. 


I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete. 

Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters in which they claim they have not received. I have requested investigation because I know these accounts are not mine but to no avail. Transunion reports 14 loans. I spoke with XXXX who claims they did not double report and that I only have 7 loans in the system and they have no clue why these accounts are there yet Transunion shows they recently reported these accounts as of XX/XX/2018. XXXX did however send me proof of what they have in the system which drastically differs from Transunion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX as XXXX of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Debt Validation Request - XXXX : ( XXXX XXXX XXXX ) Dear XXXX XXXX XXXX, This letter is to formally dispute the alleged debt you are attempting to collect, purportedly purchased from XXXX XXXX . I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am aware that you have acquired this alleged debt from XXXX XXXX. However, I have no contractual agreement, either verbal or written, with XXXX XXXX XXXX. Therefore, I consider this debt to be null and void. 

Pursuant to 15 U.S.C. 1692g, I am requesting the following documentation to validate this alleged debt : A complete and detailed payment history for this account. This must include all payments, credits, and debits from the original date of the account 's inception with XXXX XXXX 
A copy of the original signed contract bearing my signature that I allegedly entered into with XXXX XXXX. This is necessary to verify the legitimacy of the debt and my agreement to its terms. 
Confirmation of whether any insurance claims have been filed or paid regarding this debt. If such claims exist, please provide documentation. 
A complete chain of title demonstrating your legal right to collect on this debt. This must include documentation showing the transfer of the debt from XXXX XXXXXXXX  to XXXX XXXX XXXX. 
In addition to the debt validation requests outlined above, I demand that XXXX XXXX XXXX immediately cease reporting this account to all credit reporting agencies. Furthermore, should you be unable to validate this debt as requested, I demand that you immediately notify all credit reporting agencies to which you have reported this account and request that they delete all information related to this account from my credit reports. 

Please be advised that under 15 U.S.C. 1692g, if you fail to provide the requested validation within 30 days of receipt of this letter, you must cease all collection activities. Furthermore, the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Additionally, pursuant to 15 U.S.C. 1692c, this letter serves as formal notification that I refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter.

Please provide all requested documentation to the address listed above.

I expect your prompt attention to this matter.
Product: Credit card

I have been trying with no success for an explanation or an investigation into a debt on a credit card I have with Elan Financial which I havenever used .This came to my notice when I applied for a mortgagetwo months ago.I requested a statement from Elan which they sent, onthe statement there are XXXX transactions with sidetick ( phone number ) XXXX, I am 100 % sure I never used my credit card for anypurchase since I got it, I have been calling ELAN financial since thentrying to get them to investigate the matter so it is taken off my credit, theyhave not been professional about it, some of the customer service people have been very rude, some do not know what to do and just transfer meto other departments, I can be on the phone for about an hour and betransferred to about XXXX different times to different departments, I speak to someone in fraud, who will then transfer me some where elselike collection, collection will also transfer me back, I get so fraustrated, they dont even update my information when i tell them, it is obvious noneof the customer service people care..I have tried onserveral ocations with no luck.I have even spoken to some supervisorswho will say they are starting a case for me, and that someone from fraudwill get back to me, but I later find out nothinghad been done because when I call the next time, they tell me the same thing.This has been going on for about two monthsd. 
Yersterday after trying for a long while, I got some one who once againtold me she was opening a case for me, but annoyed me by saying thecase may not be pursued because it is over a year the last transactionwas made.I tell her that is wrong because I never used the card, the transaction on the card was not made by me and I am sure they can find out if they wanted. 
I now feel like I am being robbed by Elan Finanacial.
Product: Credit card or prepaid card

On XX/XX/2021 my wife erroneously paid a {$350.00} capital one credit card bill by missing 2 decimal points and paying {$35000.00}. I contacted capital one the next day and they told me the bank I paid it through could take the money back. I did this and the bank was successful in returning the money to my account. I thought the issue was resolved until my bank notified me that on XX/XX/2021 capital one again took the money and used a technique that prevented the bank from getting it back again. This withdrawal was not authorized and constitutes fraud. It's now XX/XX/XXXX and after 6 phone calls and promises of the money being returned I am told it is under review. I have never dealt with a more dishonest and corrupt company as capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom and I want my credit report to be fair, I recently got out of the XXXX  due to XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : XXXX XXXX XXXX XXXX, 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 Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, A hard inquiry has been placed on my file that I did not authorize. When trying to reach out to EXPERIAN they make it impossible to speak with a live agent and the phone disconnects me everytime.