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

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( 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 as soon as possible : XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00}
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX  : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Never Made Purchase, I have no idea what this I want it removed immediately
Product: Credit card or prepaid card

On XX/XX/2018 I received a call from American Express offering to upgrade my account. 2 weeks later I received 3 new card for 3 of my businesses. I wanted to know the terms of my card so I called American express on 3 different occasions I called American Express to see what my payments will be, and the representative advised that payments will range from $ XXXX {$220.00} a month per card. After this information, I decided that I would use the card. I used the card and then I got a bill for the full amount due and later discovered that I had a net XXXX card and where I would have to pay the balance in full each month. 
This is not what I signed up for and was highly disappointed when I found this out because I was told on 3 different occasions that I would be able to pay off the balance over time.
Product: Credit card or prepaid card

This complaint is in continuation of my previous complaint XXXX. The company Capital One did what they stated their resolution would be. However, they charged me another interest charge in the amount of {$33.00} on XX/XX/XXXX. When I called to inquire and participate in this bill postponing that they call " help our customers '', I was informed that this will not cause me to be billed any fees or interest charges. The fact is that I was. This is an interest charge that falls in the period of this helping thing they are doing with postponing the bill with one month and I was told I will not be billed any charges or fees. The fee that I was incorrectly billed was removed due to this error but this does not mean that they should charge interest charge at a later date, a date that my bill is not even due by. I would love to pay off the full balance once and for all and stop using them.
Product: Student loan

After reading an article that CFPB is suing Navient for giving inaccurate information, I decided I needed to file a complaint. Navient calculated my monthly payments incorrectly under my income-based plan. When I called to question them about it, they actually, RAISED my payment making it more difficult for me to pay. Instead of dealing with the issue of calculating the payment incorrectly, the customer service agent pushed me toward forbearance for a year, increasing the amount of interest on my student loans.
Product: Mortgage

I received a deceptive message from a mortgage company names Intercontinental Capital Group in XXXX CA. Below is the transcript of the message they left : Hi it's XXXX, I went straight to voicemail so I hope you're not bothering if you're at work um but we tried sending two letters, and we didn't hear back. My boss said one was UPS, so I don't know if we have the right mailing address. Um anyway, I'll be in the office late tonight so if you could please just give me a favor and call me back either way, my desk is XXXX and um if you got the letter then I guess theres no point in calling me back - all right thanks. 

When I called back concerned as I had no idea what this person wasnt talking about or who XXXX was - I was routed to a female who said XXXX was on her team and they were reaching out to help me reduce my interest rate or cash out equity on home loan. 

They were lying, and never sent me letters or a UPS. This unfair, deceptive, and false advertising.
Product: Credit card

Hi, I have a credit card with capital one. I booked a hotel room for one night at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX using capital one points. Due to the riots XXXX alerted all travel be rescheduled and friends in XXXX warned about safety in XXXX. So I emailed the hotel directly and requested cancellation. They honored the request but mentioned refund can only be done by the booking agent. In my case its capital one. I called capital one travel ( ( XXXX ) XXXX ) to help me with cancellation on XX/XX/XXXX. Every time they will give some reason to not provide me refund of points. I even provided them the cancellation approval from hotel on XX/XX/XXXX and XXXX the customer representative said I will get a decision within 72 hrs after talking to vendor who arranges the booking. When I called on XX/XX/XXXX, ( ie after 72 hrs ) they said 24 hrs more. So I called XX/XX/XXXX. Now the resolution wait time became 14 days as they didnt get any response from their vendor. So I requested a temporary credit of my points as the delay they are having is not due to my fault. My concerns : 1. They never gave a proper XXXX XXXX. Its more than 10 days after I submitted documentation and still no resolution for my dispute. 
3. They are not allowing me to directly talk to booking.com ( capital ones vendor partner for this reservation ) as I need booking.com reservation and PIN to reach out to booking.com directly. 
4.. If they had given me cancellation within 7 days I had an international insurance through which I could have requested refund. 
5. Earlier I requested capital one to help multiple things and never got any help in spite they say they offer those features like a. activate XXXX wallet - I still can activate XXXX wallet as their team said they couldnt validate my phone. I have other visa and Amex cards added to XXXX wallet. b. Update name on a hotel reservation. After 1 week of unsuccessful waiting, I finally directly fixed it by calling the hotel in 10 minutes. 

So I feel they are stalling the process and would never resolve it. 

Please you could help expedite the process and have the points refunded as the hotel, XXXXXXXX XXXX readily approved my cancellation without any penalty. 

Attached approval from hotel and proof of capital one receiving the approval document. Please let me know if you need any more documentation. 

Thank you. 

XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all XXXX credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.
Product: Vehicle loan or lease

XXXX does not allow XXXX to connect the account to make electronic payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, which has adversely affected my XXXX XXXX. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$28000.00}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$29000.00} to {$28000.00}, and the correct current balance is {$28000.00}. 

According to 15 U.S. Code 1681 - Section XXXX ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$28000.00}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circu
mstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting or other personal consumer reports

Equifax, There is incorrect personal information on my credit report that is hurting my ability to verify me and get credit - I need to have this fixed immediately. 

Attached to this complaint is : - written complaint - drivers license, social security card, and address Please have this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX  Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Under 15 USC 1681c-2 ( a ), any information resulting from fraudulent or unauthorized activity, including accounts affected by a data breach, must be blocked and removed from my credit report if requested. I sent Experian a copy of the FTC report stating that this XXXX XXXX account is fraudulent and is not mine asking them to remove it. But instead of removing the fraudulent XXXX XXXX account they removed a personal loan from XXXX XXXX that wasnt disputed. They are blatantly manipulating my credit report in a negative manner. Enclosed is a copy of the FTC report as well as a letter from XXXXXXXX XXXX Thank you.
Product: Debt collection

XXXX apartments is trying to collect an amount of money for maintenance and cleaning of the apartment and they sent me to collection with XXXX.without informing me on a timely manner. 
I understand they changed management, I was waiting to get my deposit returned because when I left the place I was informed that I would have to wait a while. I kept in touch with XXXX to check the status of my deposit. When I left the apartments I informed her of my new address and she documented it. Later, checking in with her I found out I was sent to collections. 
XXXX suggested to call the collection agency. I asked her why? She tried to help me but she said she did n't know. The collection agency was then the XXXX who informed me about the charges over the phone. I asked them to send it in writing. 
The apartment complex did n't provide with an accounting of the moneys deducted from the security deposit within 21 days per California civil code 1950.5. 
Regardless, my deposit well covers all the charges they are stipulating and I still have not get any money back. The manager told I should not be charged for the carpet cleaning since it was not clean when I moved in. I consider that the charges are grossly exaggerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was remove from XXXX but it's still has not be removed from XXXX and XXXX credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by Experians inaction in addressing my ongoing disputes. 
This situation is further compounded by data security breaches, involving the XXXX XXXX XXXX, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Experian is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX : Balance : {$870.00} : Open Date : XXXX XXXX, XXXX XXXX XXXX : {$670.00} : Open Date : XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX : Balance : {$1100.00} : Open Date : XXXX XXXX, XXXX XXXX : Balance : {$840.00} : Open Date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} : Open Date? 
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action.