23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Capital One Quicksilver card and Capital One advised years ago that I could be upgraded to another card or that the annual fee would be removed indefinitely. I still have the same credit limit, going on five years and still a {$39.00} annual fee. I always pay on time so there is no reason that card could not be upgraded, or fee removed indefinitely. CapitaXXXX offers credit cards to all types of credits so there is no excuse.
Product: Money transfer, virtual currency, or money service

There are two issues I have with the app XXXX, which seems either owned or associated with the company Early Warning Services , LLC, of XXXX, AZ. 
1 ) this company seems to discriminate against low income people, including minorities and the XXXX like myself, because they will not allow individuals with free or low cost mobile phone service to receive or send money through their money transfer service. Specifically, I was told by their rep that the mobile phone company that I use needs to have a physical presence in my state, where I could go pay my phone bill. This seems designed to make the poor have to go out of their home and pay for sending or receiving money. 
2 ) This company enabled me to register for their service through their app. I was able to enter all of my information, including my full name, address, full debit card information, user name and password. They verified both my phone number and email address. This company 's app then stopped working. When I called their customer service number to find out why this happened, I was told that my phone number did not qualify for their service because I was getting free phone service. I then asked them to delete all my information from their servers, but my information still appears on their server. For example, it seems they have black listed my name, my phone number and email address. Instead, in their servers I should appear as if I were never their customer ( because I never really was ).
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account that's on my credit report that is reporting information that should not be on my credit report. This has been holding me back from applying for new lines of credit. Experian and XXXX ARE BREAKING MULTIPLE LAWS. I have disputed this alleged account with Experian and XXXX on XXXX. Experian & XXXX  are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave anyone any written consent to report anything on my consumer report. NO CONSENT is indeed identity theft!! Additionally, they are also in violation of another law. These bureau 's are also in violation of U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave ANYONE any written consent to transfer, or use, without authority, a means of my identification. NO CONSENT IS INDEED IDENTITY THEFT. I demand to see an affidavit singed by an Experian or XXXX supervisor or executive detailing where I gave Experian or XXXX written consent to transfer my identification. I have tried relentlessly to remove these accounts with the credit bureau and they have failed to remove the information they illegally furnished. I will not be extending my credit report to anyone if this can not be resolved
Product: Credit reporting or other personal consumer reports

To whom it may concern Maam/Sir, I am writing to complain and request that all debt collectors listed below cease further and all communication, to all three credit reporting agencies XXXX, Equifax, and XXXX per the provision in 15 USC 1692c ( c ). 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cont 'd attempts to collect debt not owed Thank You
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized inquiries from my credit report. I am a victim of a data breach, and these inquiries were made without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent inquiries be removed immediately. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$600.00}
Product: Debt collection

On XX/XX/19 Radius Global contacted my mobile phone claiming XXXX XXXX had sent my unpaid balance to them, the collection agency, requesting I pay them {$140.00} dollars in a rude manor. They have called me many times day and night. I have contacted XXXX XXXX and have verified that nothing had been sent to any collection agency, there was only a slight residual balance of {$16.00} I paid them directly, so I feel it is my responsibility to inform others of this fraudulent organization.
Product: Consumer Loan

I change my due date from the XXXX to the XXXX and discontinue my automatic payments. After this was done I have been experience problems with the company every since. Lending Club want me to call in every month to arrange electronic payments from my checking account and will not allow me to pay on my account electronically myself through my bank or on their website before the due date. The month of XXXX my due date was change to the XXXX of the month and I did not change my due date. No electronic statements are sent out or email to the customer showing their payments or balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my son and I signed a lease agreement with XXXX XXXX account number XXXX to lease printing Equipment from XXXX XXXX XXXX. I was the cosigner on the lease agreement. The payment came automatically out of my sons checking account. We contacted XXXX XXXX. In XX/XX/XXXX to see if XXXX XXXX could take over payments. XXXX XXXX agreed. XX/XX/XXXX. A new lease for XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX was made. My son shipped the equipment to XXXX XXXX. It was agreed with XXXX XXXX that my sons and my name would be taken off of the lease agreement. Payments stopped coming out of my sons checking account. The payments then were XXXX XXXX and XXXX XXXX responsibility. 

I have XXXX XXXX which has XXXX and XXXX. My husband and I are wanting to purchase a home. I decided to check all 3 credit bureaus because the bank I am thinking about using takes the lower score of the 3 bureaus. When I checked the XXXX website I was shocked to see XXXX XXXX was on my credit report with a major derogatory, with 5 late payments in XXXX. 3 late payments in XXXX. 9 late payments in XXXX. Turned over to collections in XX/XX/XXXX. The account was charge-off and closed with a balance of {$3700.00}. My credit is very important to me. Since XXXX I was late on 1 payment for 30 days as soon as I realized it was not paid I paid it. I have an exceptional payment history. I called XXXX XXXX wanting to know why my name was still on the account. They said my name was on the account because a release paper was not signed. I wanted to do whatever I needed to do to get my name, the balance of {$3700.00}. taken off and all negative marks taken off of my credit report. One person I talked to there was XXXX. They said they could not help me the account was closed and sold to First Portfolio Ventures. Everytime I called they said the same thing they can not help me. 
I called First Portfolio Ventures they said they have the account with debt owed but it is not in my son or my name. It belongs to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I wanted to get my name off of the account and the balance taken care of. They said I couldnt because it was not my account and the debt does not belong to my son or me. They said they did not contact me about the debt and they did not report to the credit bureau in my sons or my name. They said the debt belongs to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. They can not help me. I talked to XXXX. They said I needed to talk to XXXX XXXX about credit reporting issues they are the ones that reported it. I talked with each company 4 times XXXX XXXX, & XXXX but could not get the problem resolved and wrote a letter to each. 
Neither XXXX XXXX or First Portfolio Ventures contacted me when XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX were late or stopped making payments. Had I known this was happening I would have called XXXX XXXX to see what I needed to do to get this account taken care of so it would not have went to collections and ruin my credit report.
Product: Debt collection

This company calls me multiple times a day and repeatedly calls me before XXXX XXXX. They call from 8 different numbers currently, and I have blocked other numbers they repeatedly call form at early hours. Below is a list of some of the numbers they call from and some of the times they have called that are protected. I asked them repeatedly to not call at this hour. When I talked to them in XXXX they were rude and hostile and threatening. 
DATE TIME # CALLING FROM XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.
Product: Credit card or prepaid card

Notice received from Target RedCard that an application for a card was made in my name but was declined as they were unable to confirm required information
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. Experian continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.
Product: Debt collection

Dear Macys/CBNA ; Cease all methods of communications and collections on this account. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card

I'm a XXXX XXXX  who open checking accounts numbers internationally globally. 
At XXXX XXXX around XXXX to XXXX o open department store credit cards account. While on XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 
The database computer recorded my department store credit cards on a XXXX  driver License number. 
XXXX. XXXX. XXXX. Expiration date. XX/XX/XXXX. 
I lost my last billing statement.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information from my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

It has come to my attention that you have included erroneous information in my credit profile without maintaining reasonable procedures to ensure its accuracy, as required by law. This violates FCRA regulations and federal statutes governing credit reporting, including 15 U.S. Code 1681n, 1681o, and 1692k.

Specifically, I request the following actions : Removal of Inaccurate Information : Please block and remove the following items from my credit report immediately. 

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Legal Basis : Under the FCRA, disputed items must be supported by evidence. Any item that can not be substantiated should not appear on my credit report.

Monetary Compensation : Pursuant to FCRA 15 U.S.C. 1681i ( 6 ), I am entitled to monetary compensation for multiple violations of the FCRA.

Compliance with FCRA Guidelines : Ensure compliance with FCRA provisions regarding the accuracy of consumer reports and the timely notification of investigation results. 

Please address these issues promptly, as required by law. Failure to do so may result in further legal action to protect my rights under the FCRA.
Product: Debt collection

I went to the doctor XXXX/XXXX/15. I had a {$72.00} co-pay I owed for a dermotology visit. I intermediately paid it when I received the bill ; paid XXXX/XXXX/15. The doctor 's office took and cleared the payment. Then they say they ca n't find the payment. I called to clear it up. They said to fax in proof of payment. I did that. They submitted the account to a collection agency. XXXX/XXXX/15 I received a bill from the collection agency ; I have a collection company trying to collect on an account that has been paid.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : Date of Last Activity : It shows XX/XX/year>, which might be inconsistent if the account has already been closed or hasnt had recent activity. 
It is marked as " Derogatory '', but the balance is {$0.00}, and the account is closed. This could be inconsistent, as an account with no balance should not have a derogatory rating. 
TransUnion categorizes the account as " Savings and Loan Companies '', while other agencies classify it as " XXXX XXXX XXXX '' or " XXXX XXXX. '' This classification might be incorrect if the loan wasnt from a savings and loan institution. 
Payment History : It states " None Reported, '' which could be inaccurate if the account had payment activity before being closed. 

Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX  days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in XXXX XXXXXXXX XXXX XXXXXXXX. Additionally, I referenced XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX  {$3200.00} ( 4 ) XXXX {$1.00} XXXX