23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$4900.00} XXXX  XXXX {$6700.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$19000.00} XXXX   XXXX {$1700.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$890.00} US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$4000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX {$3600.00} XXXX   XXXX {$2800.00} XXXX XXXX {$2800.00} XXXX   XXXX {$3400.00} XXXX XXXX {$3500.00} XXXX   XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX  XXXX {$460.00} XXXX {$10000.00}
Product: Credit card

I am writing to file a formal complaint against Capital One regarding a misleading offer that I received and subsequent mishandling by their customer service department. 

On XXXX I received an email from Capital One promoting an offer where if I spent {$500.00} within three months of approval for their Quicksilver One card, I would receive a {$200.00} bonus. Excited by the prospect of earning a reward for my spending, I applied and was approved for the card. 

However, despite meeting the spending requirement within the specified timeframe, I never received the promised {$200.00} bonus. When I reached out to Capital One 's customer service to inquire about the status of the bonus, I was informed that I did not qualify for such an offer. Furthermore, I was told that there are supposedly three different card types for the Quicksilver One card, which I was unaware of and never saw any options for during the application process. 

This experience has left me feeling deceived and misled by Capital One 's marketing tactics. Not only did they fail to deliver on their advertised offer, but their customer service representatives provided conflicting information, adding to my frustration and confusion. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Capital One accountable for their misleading practices. I request that appropriate action be taken to ensure that consumers are not subjected to similar deceptive marketing tactics in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To add to my previous complaint for account number XXXX this documentation further proves erroneous reporting as the documentation from the very creditor shows a difference in the original balance than showed on my credit report, this is falsely reporting account!! 

My right is to have a fully accurate and completely verified account ; I demand this account to be reported as ( XXXX XXXX  Paid as agreed never late IMMEDIATELY as this is the true status ( documentation provided )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX Reported :XX/XX/2020 - XXXX XXXX  XXXX Reported : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 

Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months ). XXXX XXXX XXXX XXXXXXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor ( XXXX XXXX ). 

I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of XX/XX/XXXX provided by PRA, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XXXX XXXX, we found that our platinum XXXX with BMO had been cancelled by BMO without prior notice and without any reason. This was discovered when my wife tried to pay for groceries and had to return home to get my card when hers failed to go through. Mine also failed. We have had this card since the late XXXX when we had our accounts with XXXX XXXX XXXX  bank in XXXX. We continued the credit card account after moving in XXXX, and it was picked up by BMO when they acquired XXXX XXXX XXXX We have always paid the account in full by the due date every month. When we called to find out why out cards didn't work today, we were informed that per the user agreement, BMO had cancelled the account and that they did not have to give us a reason why. When I asked how to get more information and who to contact, I was told that there would be no point as no further information had to be given. We have an " excellent '' FICO score, and our situation does not fit any of the scenarios listed in the " agreement ''. When I informed the supervisor at BMO of this, he said that those were just examples and that BMO had the right to cancel for any ( implied " no '' ) reason at any time without prior notice. Given that credit cards are often used for monthly recurring payments, this has the potential to damage a person 's credit profile. Any help would be greatly appreciated. My wife is the primary card hold on this account, thought we each have different card numbers with my card being attached to hers.
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 XXXX USC 1681.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX, my credit score randomly dropped XXXX  points. Worried and frantic, I checked to see what had changed on my credit score as nothing major has changed with my credit that I was aware of. Hyundai Motor Finance has apparently stopped reporting my loan which plummeted my credit score big time despite me still having an open account with them. When I tried contacting them to figure out why, they told me they could not help me and had no explanation as to why.
Product: Debt collection

On XX/XX/XXXX of XXXX, I XXXX  my hand at work. I went to the XXXX  at my local hospital. I was treated in the XXXX  and had follow up visits set up with the XXXX XXXX department at the hospital. I had and went to four follow-up visits in the XXXX XXXX department. 
I did receive a bill from the hospital for the initial XXXX visit. When I called the hospital about it, they told me they had not yet received the XXXX 's " XXXX XXXX XXXXnformation from my employer. I took the bill to work and received the XXXX 's XXXX XXXX information which I then gave to the hospital. I later received a second bill from the hospital, I called them again and explained that it was a XXXX 's XXXX XXXX. The Hospital apologized and said they would take care of it. The hospital has not contacted me again about that bill. 
States Collection Service is trying to fraudulently collect {$200.00} towards that XXXX visit. I have received numerous phone calls where they have left voicemails, they have sent text messages to my phone, they have written me. They are threatening to steal my tax refund. 
I did reply to them last year ( XX/XX/XXXX ) when they first contacted me. I explained that this was a XXXX 's XXXX claim. And that I had already given the XXXX 's XXXX claim information to the hospital and the the hospital bill was paid in full. I included with my response, their original request, the after visit paperwork from the hospital showing it was a XXXX 's XXXX  Claim, a copy of the accident report turned in to my employer, a copy of the XXXX 's XXXX Claim information I supplied to the hospital, and a printout from the hospital website showing that insurance had covered 100 % of the bill and my balance was ZERO. I told them to never contact me again, including by phone, text message, email, or in writing. 
State Collection Services has again written me trying to fraudulently collect {$200.00} towards a fully paid XXXX visit. They are threating to steal my tax refund if I do not pay them.
Product: Student loan

I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.
Product: Debt collection

Capital One Bank sold the Account to XXXX XXXX XXXX, XXXX. Postal Money Order # XXXX given for XXXX and Satisfaction of Account Ending # XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX & XXXX XXXX Balance Owed : {$1800.00} 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 XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  and Transunion states that XXXX XXXX has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at XXXX XXXX who stated that this information was not sent to XXXX  or transunion and that this record is not on my XXXX XXXX file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with XXXX  and Transunion for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my XXXX XXXX report from 2019. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then XXXX XXXX verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted XXXX XXXX who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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
Product: Vehicle loan or lease

On XX/XX/2022 purchased car with retail installment contract. {$47000.00} value. Non Disclosure was violated because of securitization of contract. Unfair and deceptive practices and possible securities violations. Carmax Auto Finance is the company violating.
Product: Money transfer, virtual currency, or money service

I have sold bitcoin that I had on Coinbase. They immediately notified me that the money has been transferred via a wire to my XXXX bank account. This was in XX/XX/2017. I  waited a few days before contacting them when the money never showed. It took them about 10 days to send a template response saying transaction has been complete and I was wired the money. Never received it till now. They now stopped responding my request for resolution all together. Very shady to fraudulent operation. They owe me {$1900.00}.
Product: Checking or savings account

I called when I saw my balance was {$0.00} the last transaction was by XXXX XXXX in the ammount of {$15.00} the customer service line told me it has to be a completed transaction to do anything. They lied and treated me like a XXXX.
Product: Checking or savings account

I used my Chime debit card on XXXX XXXX XXXX XXXX XXXX withdrawing {$500.00} at XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX The transaction were cancel due to not wanting to pay for the ATM fees. No cash nor receipt dispense. Called XXXX XXXX right away, they restructed me to contact my bank for charge back/dispute if there is no auto reversal. Filed dispute with Chime on XX/XX/XXXX after funds was not credit back, received notice from Chime that my case were denied and close. I DID NOT RECEIVE ANY CASH, TRANSACTION WERE CANCEL. I need this to investigated by both financials institutions, {$500.00} is not loose change and I need my cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third requests, the unverified inquiries listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XXXX XXXX XXXX but no answer was received. These inquiries must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these inquiries, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX