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

Please reference complaints XXXX & XXXX - XXXX. The main complaint against Capital One has not been fixed. 
1. There are 2 ID Theft debts that they refuse to close with the requested paid in full letter, full removal from all 3 credit bureaus, and full removal from all 3rd collections parties. 
-Capital One - XXXX - TXXXX XXXX XXXXt {$430.00} -Capital One - the acct. ends in XXXX - XXXX XXXX XXXX {$700.00} 2. I have continuous harassment from collections ( hits to my credit and harassing phone calls ) in which the original credit company is XXXX XXXX. Capital One is selling old ID theft debt repeatedly to collections companies. The list is as follows so far, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Capital One just sent a letter stating that they sold XXXX XX/XX/2020, to XXXX XXXX XXXX, XXXX. However, the collections was/is from XXXX XXXX, and XXXX XXXX XXXX, so I have no idea where it is.

3. This is a violation of my Fair Credit Reporting Act ( FCRA ) by sending to these 3rd parties as well as harassment.

4. Capital One is refusing to close or even identify these thefts. I have sent every required requested item to them. Ive sent 2 FTC ID Theft reports, notarized affidavit, several validation letters that have gone unanswered with valid information. Letters were sent by certified mail as well. 
The above main cfpb complaints have been answered sort of : 1. Capital One Reply Letter - XX/XX/2020 -Capital One ending in XXXX XXXX XXXX XXXX   {$700.00} ID Theft debt has not been put on our credit yet, and Im receiving harassing phone calls. 
XX/XX/2020 Letter states - that XXXX - XXXX XXXX XXXX   {$430.00} debt was removed from the credit bureaus, it was sold to XXXX XXXX XXXX, and that we do not owe Capital One a balance anymore but we may owe some other collections agency. There is still no requested paid in full letter. 

2. Capital One Reply Letter - XX/XX/2020 -Again, nothing noted on the Capital One ending in XXXX XXXX XXXX XXXX {$700.00}. Capital One has refused to send a paid in full letter, validation of debt, or removal from 3rd parties. 
XXXX letter states - that XXXX - XXXX XXXX XXXX {$430.00} debt. After 3 days, this letter states that this debt is now valid, and there are no signs of fraud after they had just stated that we no longer owe a balance on this debt. This means that Capital One made no real attempt to remove/investigate the fraudulent account. They will continue to make money selling my fraudulent debts to 3rd parties for years to come. I the cfpb doesnt help, I will never be free from Capital One and their illegal acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2015 I was made aware that my data was breached by Experian.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by XXXX XXXX XXXX ( XXXX XXXX XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX am not liable for this debt with XXXX XXXX, XXXX XXXX XXXX and XXXX and they did not provide me with the original contract as requested.
Product: Mortgage

On XX/XX/2022 escrow closed on my home located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Within that week I went to PHH MortgageXXXX website to confirm it was paid in full and it was. I also put a forwarding address as to I was waiting on my credit for my escrow account in the amount of {$4500.00}. PHH mortgage proceeded to send my check to the corona address even after I had updated a forwarding address. I found this out on or about XX/XX/2022. The agent then told me she would stop payment on that check and reissue it to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX. She stated The check would go out the next day or XXXX XX/XX/2022, at the latest. I waited approximately a week, XX/XX/XXXX, and called to verify that the check was indeed on its way to the new address, I was told yes it went out at the end of XXXX. On XX/XX/XXXX I called PHH mortgage again and let them know that I still had not received my escrow payout and I was informed that I should " Give it a few more days '' Now it had almost been 2 weeks so I asked for a supervisor. I spoke to him and we agreed I would give it to XXXX, XX/XX/XXXX He would give me a call that day to confirm I received the check, and if not he would cancel the check again and overnight a new one. I never received a callback. On XX/XX/XXXX I called asking for a supervisor and now was informed that they have to wait 10 days for the turnaround process then they would overnight me a check. I felt now I am getting the run-around and they have no intention of sending me a new check. Again I asked for the person above him as this is not acceptable the check has obviously gone missing its been 3 weeks since it was mailed. All other correspondence that I have received from PHH has had no issues reaching my home and they were all sent in XXXX so how is this possible? They are refusing to send me my check it is very simple to just overnight it I am constantly told that someone will get back to me I just want my money that is owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.
Product: Debt collection

I am writing to file a complaint against Modlin Slinsky ( debt collector ), P.A, Attorney for Plaintiff, XXXX XXXX XXXX XXXX in conspiracy with XXXX XXXX XXXXXXXX XXXX witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to XXXX XXXX XXXXXXXX XXXX. The notice included an affidavit signed by Assistant Custodian or Records for XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. 

Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. 

Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. 

I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to two XXXX XXXX accounts and a lawsuit filed against me that has since been dismissed for want of prosecution ( DWOP ). Despite my efforts over the past three years to provide evidence of identity theft, neither XXXX XXXX nor the credit bureaus ( Experian, XXXX, and XXXX ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : 1. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which two XXXX XXXX accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to XXXX XXXX and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, XXXX XXXX refused to acknowledge the theft or resolve the accounts appropriately. 
2. Lawsuit Filed and Dismissed : XXXX XXXX XXXX XXXX  pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place. 
3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit. 
The excuse provided by Experianthat the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I ask XXXX XXXX XXXX  to send me a signature concerning this transaction. Still got no response and I never authorized them to do anything. Im have the same problem with XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I feel like I've been living in XXXX XXXX for the last ten years. This account with Truist bank is an auto loan I took out over XXXX wars ago. Ive paid off the account but the account is still showing up as closed and paid off on my credit report and its showing up as a negative account. Fist of all I don't know how an account I paid off in full can be showing up on my credit report as a negative account. Furthermore an account can only stay on someones credit report for 7 years if its a negative account and this account has been on my credit report since 2014 which is about 11 years ago .The account in question is with Truist Bank and the account number is XXXX. This account is holding me back from obtaining credit.
Product: Debt collection

XXXX bought a XXXX XXXX XXXX. 
Finance company -heritage .My health gotten worse, I applied for XXXX While waiting for help I had to stop working, which, fell to slow car payment, which heritage, took car, I got my XXXX Then I tried to get car back, heritage said, they sold car, XXXX I received summons. Went to court, met with attorney in court room hallway, have him paperwork from social security, about me being XXXX, how long I been on XXXX, he took papers said he was moving to dismiss, he said I did not need to meet with judge And he can tell judge, so I left courthouse Amount? You tell me, it differs, even on the summons did not have amount. 
They had no date when this happened, which was XXXX. 

One month later, started phone calls from heritage, collections, she claims heritage can sue, as many times or years to come, as for our court date, they said did not mean a thing, on that court day, 29 years of harrassment. 
They informed me they got a judgement against me XXXX, without me being present? 
And as for notice I didn't get any. They claimed they have right to keep embarrassing me Harrassing, me. I asked to not contact me, they call and hangup, I said let 's go back to court, so I can talk to judge, they said no, I am still on XXXX.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, TRANSUNION, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THESE FRAUDULENT ACCOUNTS UNDER MY NAME. THE FOLLOWING FRAUDULENT ACCOUNTS ARE XXXX XXXXXXXX - ACCOUNT NO : XXXX .... AND XXXX XXXX XXXX - ACCOUNT NO : XXXX .... THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, TRANSUNION, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK FRAUDULENT ACCOUNTS BASED ON MY FTC IDENTITY THEFT REPORT THAT I WILL ATTACHED WITH THIS COMPLAINT.
Product: Debt collection

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over XXXX days later I have not received a response XXXX. I feel like I'm being taken advantage of and being ignored of my disputes, section XXXX ( a ) is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus and First Progress regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was told that my report for XXXX XXXX XXXX XXXX is reporting a delinquent on my Trans Union report. That is not accurate. This account should report as paid settlement for less than full balance. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given this account written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXXXXXX Date Opened XXXX XXXX  Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items 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 Report. 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 showing on my credit report. I therefore request that you immediately remove these items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX.
Product: Debt collection

Portfolio Recovery keeps calling about a XXXX account that was closed a long time ago. 
The amount of the supposed debt was erroneous in the first place which is why I never paid nor settled with XXXX. I told this to Portfolio when they first started calling. 
They keep calling even though I have repeatedly told them to stop. 
It is long past the statute of limitations for them to be able to even collect by suing me which they sent me a letter verifying this about 6 months ago. 

Yet they are still calling. On both my cell and home numbers. cell # listed earlier. Home number XXXX-XXXX-XXXX
Product: Money transfer, virtual currency, or money service

The company is not allowing me access to funds in my digital wallet after completing identity verification. In the verification process the company had me verify my SSN, DOB, the username off the account, and the phone number on the account. The company will not allow me access to the account in any way. The company says there is no overruling this decision, and that my funds are lost forever due to security concerns. This was the company 's position as of XX/XX/2023.
Product: Credit card or prepaid card

XXXX : This issue still has not been resolved to any reasonable end. Citi has continued to issue responses placating my previous complaints, offering no further proof that I proactively enrolled in the Payment Safeguard program, instead insisting that the statements issued over the lifetime of the account were authorization enough. Of course this is absurd, as if to say continued abuse of the relationship is permissible so long as it goes undetected. Consequently, I maintain my current position that Citi 's responses thus far have been nothing more than boilerplate and the issue remains unresolved. 

XXXX ( Background ) : Citi 's response to my complaint lodged through the CFPB is their latest attempt to further placate me. They've provided no additional evidence that would prove I willingly enrolled in the Payment Safeguard program, only suggesting that my activation of the card was consent enough. What's more, they included a veiled threat to alert ratings agencies of any delinquent payment activity due to the dispute, despite the fact that my account is in good standing. This was a boilerplate response that aims to dissuade me from any further action. 

XXXX ( Background ) : I've been a Citibank credit card account holder since XXXX, and it recently came to my attention that I'd been enrolled in their " Payment Safeguard '' program unbeknownst to me. This is a program that, to the best of my knowledge, I've never agreed to participate in, but have nonetheless been subject to, exposing me to years of monthly fees totaling in the thousands. Over the past months I've contacted Citibank on numerous occasions requesting proof that I willingly enrolled in the " Payment Safeguard '' program. In each instance no such proof could be relayed by phone, only a promise to share such details by mail. I've since received two identical letters ( one of which I'm including in this complaint ) suggesting that I enrolled in the program XXXX XXXX XXXX  with no evidence to support my authorization ( something that was promised when speaking to Citibank representatives by phone ). What's more, when speaking with Citibank representatives I was assured this was a program I would have had to proactively enroll in, suggesting that such proof of consent exists. Still, no details have been offered. As far as I can tell Citibank fraudulently enrolled me in their " Payment Safeguard '' program, collecting monthly fees I never authorized and has placated me in all attempts to refund said monies.
Product: Debt collection

My mother in law inquired about a product for my wife and I at a previous address. We received a wireless box from XXXX XXXX XXXX which we never ordered. We called them and was instructed to not open it and just to return it back to the post office. We have been harassed by collection letters since 2013. We have responded and disputed all inquiries. We called XXXX XXXX XXXX Billing, Collections and Fraud department. They have no proof or documentation to support this debt as well as not being cooperative. The Fraud dept hung up on my wife. The billing said its valid but have nothing to support that we had an account with them. We ended up going with XXXX for our services for internet
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX