23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I moved out of my apartment of 2 years and moved into a new home. I unintentionally left my XXXX XXXX account open and was oblivious to the fact until XX/XX/XXXX/XX/XX/XXXX. I received at max 2 letters at my new address stating that this was an attempt to collect a debt between XX/XX/XXXX/XX/XX/XXXX for a balance of {$180.00}. I opened the letters and immediately attempted to pay online MULTIPLE times. If you follow the instructions and attempt to pay at XXXX you are immediately directed back to XXXX XXXX where wouldn't you know it I have no balance outstanding to pay. This roundabout system makes it impossible to pay online and is deceptive and misguiding to the end user. Given that these " attempt '' letters do not clearly state a date at which you must pay the debt by I kept trying to pay online. After finally having enough I called and asked for assistance to pay online again and was told to follow instructions on the letter I have received. This evening ( I called the debt collector in attempts to settle the bad debt in exchange for the removal of the derogatory mark from my credit history as their deceptive & negligent practices are the reason this occurred in the first place and I was told that can not be done. As someone with a very strong history of credit, a well paying job, and hopes to purchase a home in the coming years, a sharp decline in my credit score like this is very troubling to me. It is {$180.00} ... This is by no means unaffordable and something I would intentionally disregard payment on for financial reasons. I have a well paying job and a spotless history of credit and the implications of a lower credit score over {$180.00} seem egregious to me.
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 following items XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


XXXX  XXXX  : XXXX XXXX  XXXX : XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

Walmart Credit card has as an MO when you pay the full balance or close to the full balance in Cash or electronic transaction, wait more than 5 days tpo post and release your credit card with the new balance. For example on XX/XX/XXXX I make a payment of {$800.00} to my Walmart credit card using their online portal, on XXXX the money was retired from my checking account, on XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. On XXXX/XXXX/XXXX I called them because I want to know why my credit card balance is not release even the got the payment in cash more than five days ago. They said sorry and not satisfying explanation given.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE. I am a victim of identity theft and have tried extensively to rectify this issue with Experian. Experian has instructed me to submit a police report and FTC report and per section 605B of the Fair Reporting Act, the fraudulent items are to be blocked and deleted immediately. XXXX however, puts these accounts into dispute and never provide an updated report with the account deleted. They in turn keep the fraudulent accounts on my report and show no proof of verification and/or validation. I am attaching the police report, FTC report and proof of identity through this channel again in order for the fraudulent accounts to be deleted. I am also filing a report with the XXXX  and copying the CEO on all correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this writing, I have sent FOUR certified letters, to the credit reporting bureaus XXXX and Experian. The first three asked time and again to verify the accounts as being mine and to remove not account holding hard inquiries older than 30 days, also to show the original or copy of contract entered with original creditors they claim I owe. I was only given three separate replies saying accounts were verified as belonging to me and they only gave me statements i.e. missed payments, payments made. Nothing showing that the accounts are in fact mine, just generic statements. Experian has said they will not investigate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

Yes i have an issue with Transunion credit reporting as they are reporting to my personal credit a business credit card with XXXX XXXX. That is for my business being XXXX XXXX XXXX XXXX and has nothing to do with my personal credit. That business credit card is in my business name and not my personal name of personal information.
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 {$0.00}, {$0.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

PayPal permanently limited my account with a balance proceeds of about {$140.00}. Funds held for 180 days. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for about a month I tried to transfer to my verified debit card, all attempts denied by PayPal ( pp ) On the XXXX XX/XX/2021 account was XXXX. XXXX and had to verify with pp identification and reason is Unknown. 
After that I received an email saying " partially removed limitations from your PayPal account ( Ref ID - XXXX ) ''. And also I was asked more information by email " We reviewed the information you provided for reference ID - XXXX-XXXX and have restored some features in your account. As we require more information from you, weve still limited certain features on your account. Youll need to provide the remaining information to regain full access to your account. '' But there is no option to submit additional information and my account is still permanently limited state. 
I am an online seller a For now I have never violated any policy of PayPal and other online selling platform. Without PayPal my online business are all stuck and falls down and also in this worldwide pandemic situation it is very hard to do manage present business.

My email linked to my PayPal is " XXXX '' Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX & XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 8 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

I paid off my capital one credit card and closed the account. I received notification from a collections agency of a transaction on my capital one account now in collections. I immediately called Capital One and XXXX XXXX stated that Capital One closed the card due to a transactions XXXX came through and they did not receive payments. I explained that she can see I paid the account off and closed the card. She stated that I did pay off the account however the account was NOT closed per my request. She said because the account was not closed the transaction ( s ) from XXXX were allowed. I requested to file a cardholder dispute because I did NOT authorize this transaction ( XXXX ) XXXX ( when I called XXXX they advised me to file a dispute with my bank ). Initially, I was advised that I had no dispute rights because the account was closed which per my research is n't fair. I was then advised that is a violation of Reg-E so I called XXXX XXXX back and she then stated that my dispute was declined. I could not get a straight answer as to if a dispute was even filed so I mailed multiple requests for documentation/proof/explanation/etc. and I have never been contacted. XXXX XXXX has not returned any phone calls I have made since XXXX 2015. NO emails, no letter XXXX XXXX ) in the mail, not even a phone call from Capital One. The first time I heard of this transaction and delinquency was from a collection agency. I did not review account because I CLOSED THE CARD AND THOUGHT NO CHARGES WERE POSSILE : ( At this time I am asking for your help because I need a response from Capital One in writing to determine how I am to proceed. I would have already gone to small claims but again, I need a response from Captial One to understand why my account was n't closed per my request upon submission of my final payment bringing the account to a {$0.00}, why was I declined the right to file a dispute on this transaction multiple times? If a dispute was filed, then I want to see the documentation from the association so I may use that should I need to pursue XXXX for these funds, if a dispute was NOT filed I need to understand why capital one would do that when it is my right to file dispute for unauthorized transactions, why was I not notified of the delinquency of the account when I clearly paid the account to a {$0.00} balance, why has n't Capital One responded to any of my emails, phone calls and mailed correspondence requesting assistance. Lastly, why would n't capital one call me when they could see my account history was a {$0.00} balance and instead allowed the unaccessed account to accrue charges and only then did they follow through with my ignored request and close the card? Please, please, please help me, I worked really hard to get my credit in good standing and this has brought me right back to where I was through no fault of my own and they refuse to respond. Their lack of response is astonishing and I have no where else to turn until I get some answers and documentation. Thank you for your time and consideration in assisting me.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX .... has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XX/XX/2023 I made a payment of {$3400.00} to my credit card which lead to overpayment of {$3200.00} before traveling out, when I returned back from my travel I then found out that my card has been restricted for whatever reason which I called capital one for them to remove or resolve the restriction, and they never did, After XXXX weeks of patiently waiting I then wrote a letter to them asking them to close my capital credit card and reimburse me back my remaining funds as a check. After some days of writing to them I noticed that on XX/XX/2023 my remaining credit which was remaining in my account was taken from my credit, and when I called they said that I should wait for my check which will take XXXX to arrive, and I have waited and called severally but still they kept sending my call to XXXX support who gave me no reasonable explanation regarding on what the charge is for. Despite my efforts to ratify this matter directly with capital one, the response has been unsatisfactory, leading me to seek redress through this legal system. I believe this this wrongful depletion of funds and also constitute a violation of FCRA section 611 and has caused significant financial harm to me.

Now I check to find out that they still charge me an interest which has been putting my card on negative and also messing up my credit score which seems to be the evil and worst nightmare to me. They demanded for a statement which I have submitted and yet why will they restrict my card without closure and also holding my remaining funds while still putting my card on negative that also affected my score. This is so unbearable to me. 
Please I need your legal assistance. 

And below are little attachment of what has been going on all this while
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I attempted to go onto the XXXX website to obtain my annual review credit reports from XXXX and Equifax. I was able to obtain the online version of the credit report from XXXX with no problem. 
However, when I attempted to get my report from Equifax, it gave me a page that said that " Online Delivery Available - We are not able to deliver your free Equifax Annual Credit Report online ''. There was no reason provided, such as not entering information correctly, etc. Instead, they want me to send them by mail, a copy of my social security card, a paystub with full social security number, or my W2 with a full social security number. I am also to provide a copy of my driver license, or several other forms of identification - EVERYTHIING needed for someone to completely steal my identity. I 'll be damned if I am going to stick this information in the mail where anyone can steal it. Instead of helping prevent identity theft, Equifax appears to be helping it along and doing everything they can to promote identity theft.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the XXXX & Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B, this information must be blocked immediately until the investigation is over.
Product: Credit reporting or other personal consumer reports

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, And Experian have not honored my request to put a fraud alert on my account. As i curranty fall victim to there negligence Cyber criminals have stolen my identity and got Bank account, credit cards, Loans. Hacked all my Email addresses and changed security questions And I have not obtained any Support to Solve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus update the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate correction of the following accounts completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016