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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While checking my most recent credit report, I noticed credit inquires I did not authorize made by the following companys XXXX XXXX  XXXX XXXX Capital one bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/.
Product: Credit card or prepaid card

Ok so I deposited my work check of a total of XXXX , and I dont know exactly where that money went at all I wanted to know where all of that money went that I deposited into my account. When I try to cash my check again it isnt letting me at all. I needed them to reverse the payment on my check because my check says its been cashed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1992 This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XXXX 2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15-USC-1681 section 602 states I have the right to privacy. 15usc1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15-USC-1666-B a creditor may not treat a payment on a credit card account under and open and consumer creditplan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding the information that XXXX XXXX and XXXX  are reporting in regard to an account with Bank of America that has been " satisfied and is now closed '' as of XX/XX/2021. I have even provided the letter that Bank Of America sent me stating such. Additionally, Bank of America also supplied the XXXX XXXX XXXX XXXX XXXX ) with AC Form XXXX ( an official government document ) stating that their lien against the asset has been released as of XX/XX/2021. That document has also been provided to all of the credit reporting bureaus outlined above. Despite the submission of sufficient institutional and federally mandated documentation, Bank of America, XXXXXXXX XXXX  and XXXX  refuse to correct their error and have reported my dispute ( s ) as being " closed '' - blocking any further requests for action. I fail understand why, despite overwhelming evidence to the contrary, these institutions will not make the necessary corrections. As a matter of fact, when I last called Bank of America, they acknowledged that they actually owe me {$200.00} from the settled account yet have not supplied me with that refund.
Product: Credit card or prepaid card

I have a barclays master card for a while now with a credit limit of XXXX and now in XXXX of XXXX they lower my credit limit to XXXX and I called to ask them why and I was told they were concerned that i have to many high revolving credit limits and that is why they lowered my limit. at the beginning of the year i started to pay down the card from XXXX to XXXX now in XXXX they dropped it down to XXXX which now is back at a high revolving credit limit keeping my credit score down. I have even told my wife that this is the year that we pay down all the cards. barclays is telling me that i can't pay my bills, they are running my credit score without my permission. i have never been late on any of my bills. since when does a credit card company dictate on what you can and can not do. I just got an increase on two of my cards this past month alone without asking but i have not used them. I have my credit locked and i don't see how they can see my credit file. if i have to i will take legal action because this does not sound right at all. i can't believe a credit card company can say we don't believe you can make your payments when in fact i have been making my payments on time and never late. what barclay just did was to steal the money that i paid to them when they lowered my credit limit.
Product: Payday loan, title loan, or personal loan

We are paying 6.99 % interest. It is too high. I obtained a credit card to do a balance transfer. XXXX sent the balance transfer to them to pay off the loan. Service Finance rejected the payment and sent it back to XXXX. When I reached out to Service Finance they denied ever receiving the funds but then responded to me saying that the only electronic payments they accept are from a personal checking or savings account. They are purposely making it impossible to do the balance transfer so we have to keep paying the higher interest rate.
Product: Credit reporting or other personal consumer reports

It took me over a week to get my credit unfrozen with Transunion. You can not unfreeze your credit on their website- they have had an 'error ' page up for several years now that says you have to call their 800 number. It took several attempts over the last week to reach them by phone.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I already have a complaint open on this, HOWEVER, " XXXX XXXX AVP, Resolution Specialist Regulatory Complaints XXXX Bank of America  XXXX, extension XXXX Case number : XXXX " had reached out to me on " XXXX XXXX, 2021, XXXX AM '', in which I had did what her email instructed " XXXX XXXX, Thank you for contacting the Regulatory Complaints Department of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 



I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021 to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXX 



Please note that we will be responding to your concerns via a secured email. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or one of my colleagues will return your call within 48 hours.

This communication is for informational purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. '' I have called MANY TIMES, TOO many times, at this point. I DID call BEFORE the instructed date in XXXX 's email, no answer, so I left a voicemail. 
I ALSO emailed to let her know that I called, and I had a couple of questions in my email. 
NO RESPONSE. No call back from XXXX XXXX, and no email back from her, or anyone else. I have called 5 - 6 times at this point, no returned call, and I emailed after every call, no returned emails. 
it is extremely clear, that I am being neglected and ignored, and this person nor company does NOT care to solve this issue ... ... ... ... 

I have all of the emails I have been sending back to XXXX XXXX, to show that I have been attempting to reach out. And I have started recording my calls to show that I AM calling and leaving voicemails ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Capital One on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a Capital One rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the Capital One account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX I received a call from another Capital One rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. Capital One also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Balance : {$3900.00}.
Product: Credit card or prepaid card

I have filed a complaint regarding the issue in early XXXX, which hasn't been resolved given the response from the company on XX/XX/XXXX. 

I have spent more than required for the welcome bonus in XXXX, but have not received the rewards points as advertised so far ( late XXXX ). In the response from the company, they mentioned that th

ere was an issue with a transaction, and they would review and remediate my account after fixing the issue. They did not explicitly describe what the issue was, and whatever it is, it should not be an excuse to delay the deposit of the reward points. As far as I know, the referred transaction doesn't violate any of the rules for earning the rewards points, and they have deposited points associated with that transaction to my account. Therefore, I think the so-called issue with the transaction is not a valid excuse to further delay the deposit of the points. Meanwhile, the company claimed they have provided correct info regarding the timeframe for the deposit of the rewards points. It has been 3 months since the spending criteria was met, and 2 months since the statement generated in which enough spending was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed incorrect and illegal reporting of account info, balances and statuson my credit report on my OPEN Bankrupcty case with the creditor XXXX XXXX twice to no avail with Transunion and XXXX on debt that is currently included in my Chapter XXXX Bankrupcty case # XXXX with a file date of XXXX. Both bureaus refuse to remove and debtor is still currently reporting late/missed payments and increasing balance monthly with an Open status which is clearly a violation of the U. S. Bankrupcty Code. DELETE
Product: Student loan

I have been contacting Navient for all of XX/XX/2016. I am unable to log in to my online account and I am not receiving paper statements. Aside from checking through XXXX XXXX, I 'm essentially blindly paying Navient every month because of this. When I log in I get 'We need to take you to the previous website while we make adjustments to your new online experience. ' When I click the link to the previous website, I get the exact same error. Every time I speak to them they give me a roundabout answer speaking to my 'account being set up on XXXX XXXX so it 's taking time to transfer to Navient. ' For all I know the money is not being allocating to how and where I set it up and my interest is going through the roof. Ironically, I received my XXXX last week which I was able to log in and retrieve, then when I click 'my loans ' I get the usual error : 'We need to take you to the previous website while we make adjustments to your new online experience. '
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report witXXXX XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.