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

In XXXX of 2020 I contacted Capital One when I was made aware that payments in large amounts had been posted to my account. They said to give it a few days, and see what happens. I didn't want my accounts closed, nor suffer any more loss because it had been a bad year for me already loosing my job and having to move twice due to Hurrican Florence. A week later, nothing and I called again to advise them that I had not made these payments. I also noticed a new name was added to my account as well as an authorized user in which I did not agree to. They took all that information off, and had me change my login in information and passwords. However not once did they offer to do anything more than wait and watch. A few weeks later I was notified that the payments where being returned and my accounts would be closed. I have made my payments on time and have been in a great long standing relationship with Capital One. I am upset they did nothing, nor offered me any assistance to keep me protected as the customer. Then closed both my accounts without warning and resulting in horrible credit scoring when I have been in process of trying to buy a home and this whole disaster has hit me hard. I can't get anyone now at Capital One to look into the fraud or investigate it. I have made a police report because essentially I am being punished for something I tried to handle and have been let down and abused after being a long time customer. I have attached the police report for your review. I have two credit card accounts with Capital One. 
( there is a portion that asks for the card number, I out one in there, but I have two credit cards with capital one and this incident happened to both accounts. Please reach out to me for second account number if needed or if they can use information provided to access both accounts. ) XXXX
Product: Debt collection

While renting a car from XXXX XXXX XXXX XXXX XXXX ) I was involved in an accident on XX/XX/2017 in which the damages {$460.00} were less than my deductible therefore making me liable for the payment for repair. Upon returning the car for repair on XX/XX/2017 I was allowed to continue to rent that specific car XXXX XXXX XXXX XXXX XXXX. That same day, of no doing of my own I was put on a payment plan for the money owed for the car repairs by the manager XXXX because I continued to rent cars from XXXX XXXX XXXX. From XX/XX/2017 to XX/XX/2017 I payed the money for the car repairs and ended my rental period with no balance owed. On XX/XX/2017 I received a letter from XXXX XXXX XXXX stating I owe a balance of {$560.00} to them because of non payment to XXXX XXXX XXXX. I responded to the claim through email stating that no balance is owed and I have all receipts. I later see on my credit report a collections account for {$770.00} from American Collection for XXXX. I disputed the claim and asked for verification from the credit bureaus and American Collections and received an updated amount from American Collections for {$110.00} owed. I have disputed this claim repeatedly ( 3 times ) with no success of removal. I have also sent proof through receipts and still no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. XXXX XXXX XXXX is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and XXXX is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB XX/XX/XXXXXX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections account. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the Collection Account in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be FIXED. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have requested Mortgage Insurance to be removed as I have more than 25 % equity in my home. 

I requested this take place over 60 days ago and they are giving me the run around every time I call.
Product: Debt collection

JLU Asset Management Group called my cell phone and left a message on XXXX/XXXX/15 threatening to take action against me if the matter was not resolved by EOB. I have not ever heard from this business on any matter. Did not disclose what matter was. When I called the number on the message I was told I had to call a XXXX that I owed {$90.00}, but would not tell me what the debt was for. I do not know what this is for and they would not give me any information as to what the matter was that needed to be resolved. I was at work when the message was left on my cell phone ( without my permission ).
Product: Student loan

I was forced into forebearance, rather than being given repayment options right away. I was left in the dark to increase interest. I have not worked in 2 years, and the company knows this, but still accrues interest, when I can not pay it back. Where is the assistance I was allegedly promised when I undertook this student loan scam? I've been harassed, treated poorly, and avoided to increase my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Debt collection

On XX/XX/2022 I received a notification from XXXX a New collections account had been opened and it gave vague information besides the name of the company Radius Global Solutions for a total of {$1900.00}. About 4 days later it updated on XXXX to display who the debt was referred to them by also updated the dates to reflect XX/XX/XXXX opening date of the collections account in that time frame I didnt receive a phone call or a written notice regarding the debt which I learned by calling them on XX/XX/2022 to which I was transferred 4 times and ultimately had to call back again to get more information regarding this debt. 

RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit card

Chargeback was initiated but bank retracted wrongfully return process started date received product that was not as described. Many attempts have been made to resolve this. It is XXXX months now XXXX third party seller has prevented me from returning in XXXX days but they have the unopened product. XXXX XXXX XXXX seller wanted nearly XXXX dollars to return which is in violation of XXXX return policy.They refused to send valid return label. XXXX kept saying they were returning my money and they have not. Synchrony paid third party from account before I even received the product. I have many documents how can I submit my documents
Product: Credit reporting or other personal consumer reports

FRAUDULENT INQUIRIES WAS DONE ON MY REPORT AS WELL AS A CREDIT CARD : XXXX INQUIRY : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX EXPERIAN XXXX : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX DATE OPEN XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There some accounts that aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit card account with XXXX XXXX. I have been actively making payments for months XXXX - XX/XX/XXXX. I have finally got the account to a {$0.00} balance as of XX/XX/XXXX. They are actively and illegally still trying to pull money from my bank account even though I am at a {$0.00} balance. I do not owe any more money. 

XXXX XXXX failed to accurately report a payment of {$25.00} on XX/XX/XXXX to my account and to the credit bureaus. XXXX XXXX XXXXXXXX inaccurately reported late / negative payment history from XXXX - XX/XX/XXXX. This information is inaccurate and extremely harmful to my credit reports with XXXX, TransUnion and XXXX. 

XXXX XXXX  has failed to answer any of my many phone calls. They have also failed to correct the problem when Ive reached out by email. 

I have filed a compliant with the XXXX XXXX XXXX  on XX/XX/XXXX but the compliant was unresolved and closed on XX/XX/XXXX due to XXXX XXXX failing to respond to them after several attempts. 

I want this account closed immediately and I also want this account permanently removed from my credit report with XXXX, TransUnion, and XXXX. 

This is a violation of 15 USC 1666B of the Fair Credit Reporting Act. XXXX XXXX has failed to report accurate and timely account information.I have a right to a complete, correct, accurate, verifiable credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized credit inquires on my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 A. States I have the right to privacy.

15 U.S.C 1681 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 mor than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Consumer Social Security Number :, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. The company agreed to remove the account but XXXX, Experian and XXXX still has not removed. I have attached the letter.
Product: Checking or savings account

I opened the account over telephone through a personal banker. During the phone call, the banker applied a special offer where I was to receive a {$250.00} bonus upon completing the terms of the offer. The terms stated that I had to do one of the two following things : 1 ) Receive direct deposits totaling {$500.00} or more OR 2 ) Make at least {$250.00} in debit card purchases I completed the {$250.00} debit card purchase on XX/XX/XXXX which was within the 60 days of account opening.
It is nowXX/XX/XXXX, and I have not received my {$250.00} bonus. I 'm sure that all telephone conversations are recorded and, as such, I demand that the terms of this offer be honored.
Product: Vehicle loan or lease

Interest rates and fee are extreme. I do not have online access to my account as a penalty for falling behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX noticed on XX/XX/2022 that I had a new inquiry on my TransUnion credit account from XXXX XXXX trying to get an loan. I XXXX XXXX never tried to apply for a loan with XXXX XXXX for the simple fact that I know I wouldn't have got approved myself. I don't know how much the loan was placed for.So i'm asking that the inquiry get removed from my TransUnion account because I didn't apply for a loan. I wasn't in need of a loan at the time the loan was placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has many inaccurate information on my credit report that I would like to be removed. Ive reached out the the company and nothing was resolved. I would like for this issue to be resolved.
Product: Credit card or prepaid card

I received a Direct Express card over a year ago on behalf of my daughter, for Social Security benefits due to XXXX. I want to transfer the balance into her bank account, but when I try to do this using their automated phone service, I receive an error message saying it can not be completed, and no other information. I have tried several times. When I call them to try to speak to a person, the wait time is endless and I am never connected to a person. I have tried to transfer the money using their online system and it simply does not work. It looks like the transfer is pending but then nothing is sent and no error message is received.
Product: Debt collection

The very first time Columbia Collection Services called me I told them that my income was primarily from SSDI. There were several debts to XXXX XXXX XXXX Hospital, I have never been. Other medical bills I also said weren't mine Prior to a period of time I had regular health insurance that had only a {$20.00} deductible. Columbia collections was rude and hounded me to pay the bills, said " aren't you going to pay these bills. 
I explained " NO, the bills aren't mine '' That didn't matter, they are all pushy and basically manipulate the situation trying to make you look and feel like a low life for not paying them. This started the date they received the debts. 
This entire situation is stressful, they leave up to 2 minute messages, harassing me to pay the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. I never gave written or verbal authorization for this account to report on my credit report. My personal information was leaked in the XXXX data breach. This company never sent information about this debt nor responded to me presenting the license proving they are in fact licensed to collect the debt in Florida. XXXX XXXX XXXX is also in violation of 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE FOLLOWING WITH XXXX  : REPORT # XXXX XXXX XXXX ACCOUNT {$960.00} ( FRAUD ACCOUNT ) XXXX XXXX HARD INQUIRY DATES XX/XX/XXXX & XX/XX/2018 ( UNAUTHORIZED HARD INQUIRIES ) THE XXXX XXXX {$580.00} ( FRAUD ACCOUNT / NOT MINE ) PREVIOUSLY FILED WITH THE CFPB AND COMPANY STATED THEY WOULD DELETE FROM ALL ( 3 ) MAJOR CREDIT BUREAUS. THIS ACCOUNT STILL REMAINS! ON MY EQUIFAX CREDIT REPORT & MY XXXX/XXXX CREDIT REPORT. 
**XXXX UPLOAD DOCUMENT WEBSITE HAS A GLITCH AND STATES THAT YOU NEED TO MAIL DOCUMENTS TO : XXXX  XXXX XXXX  XXXX XXXX TX XXXX ATTN : FRAUD DEPARTMENT. ** THIS IS A STALL TACTIC TO ME. THAT'S WHY I DECIDED TO UPLOAD THE DOCUMENTS TO SUPPORT MY CLAIM VIA THE CFPB COMPLAINT WEBSITE, TO IMMEDIATLEY REMOVE THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have accounts on my credit report that dont belong to me. I have never own that accounts and I have had contacted you several times but you never helped me. 
I enclosed in this letter an Identity Theft report and notarized Affidavit proving that these accounts were opened due to fraudulent actions. I am also attaching a copy of my Drivers License and a copy of my SSN to verify. 

Please remove these accounts or at least let me know what else I should provide you. 

Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account XXXX XXXX XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX These accounts were closed by letting the lender know that these account dont belong to me. But unfortunately at that time the accounts were transferred to the fraud department. These accounts are not mine, please remove them from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.