23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These accounts are not mine and they are being reported on my credit report. I have asked for verification without success. Act number XXXX XXXX and XXXX XXXX. The report also says these accounts were opened in 2013. I did not open any accounts in 2013.
Product: Debt collection

This is a complaint against CAPITAL ONE. I have been a victim of identity theft for two years and my XXXX and XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Kindly verify the documents to ensure compliance with FCRA XXXX. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint once more to notify the credit bureau about my status as an Identity Theft victim. It appears that the credit bureau is disregarding my request to challenge unauthorized entries on my credit report. Given that this constitutes a clear violation of FCRA regulations, it is imperative that these items be promptly removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT CONTROL TECHNOLOGIES recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
XXXX, Account Control Technologies, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXXontrol Technologies is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several dispute alone with police report proving my identity has been compromised. XXXX refuse to remove the compromised information. 
I am attaching the police report and i would like the Bankruptcy that they can not verify XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  And XXXX XXXX XXXX
Product: Debt collection

I was contacted Wednesday XXXX/XXXX/15 at XXXX CST by University Accounting Services/XXXX regarding my account and the status. I was previously asked the same questions from another phone call I received on Wednesday XXXX/XXXX/15 at XXXX CST such as when I could pay the account in full, when my next payment would be made, etc. As I explained on this call, I was disputing this balance with my college and I was making minimum payments, as I can, each month but I was unable to pay the account in full. I had marked on my online account to not be contacted by an automatic dialer on their TCPA Authorization. When I asked XXXX why I was being contacted a week later, he advised it was because my account was on the automatic dialer. When I advised that I had previously not given consent to be contacted in this manner, he stated he would have to review with supervisor. After reviewing, they removed my name from the list. I asked what steps I could take as far as already having my name on the no authorization list - no steps given, just to allow 24-48 hours notice. I receive calls from the company while I am working. When I try and contact the company back, the line just rings and places you on hold, never allowing an agent to answer the calls.
Product: Credit card or prepaid card

Someone used my information to obtain a credit card account that I was not aware of. I did not apply for a XXXX XXXX card. Someone must have used my name to get it. I am from XXXX Hawaii and all these transactions are from different states. 
For example : XXXX XXXX XXXX IN. {$50.00} XXXX XXXX. XXXX, IN. {$32.00} XXXX XXXX, XXXX {$12.00} XXXX XXXX, PA. {$20.00} XXXX XXXX XXXX, PA {$10.00} XXXX XXXX XXXX, PA. {$23.00} XXXXXXXX XXXX IL. {$8.00} XXXX XXXX. {$20.00} XXXX XXXX. {$33.00} XXXX. XXXX, TX. {$28.00} This is just a few of them, there is more. This is not my credit card. 

Total owes from Midland Credit Management is {$970.00}
Product: Credit reporting

I have an issue with my Transunion credit report. 
I am trying to understand my credit rating, ever few months it takes a dip of about XXXX points for no reason that I can see. I have a monitoring system and it shows no changes as far as opening new accounts or credit inquiries. As a matter of fact several inquiries have fallen off with time. With several more to come this month. Yet my score continues to fluctuate. I went from a XXXX in XX/XX/XXXX to XXXX in XXXX by my XXXX report. I am curious as to why? It also did the same thing last XX/XX/XXXX thru XX/XX/XXXX. It went from a XXXX to a XXXX. Why? And back up to the XXXX in XX/XX/XXXX. 
Also during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$250.00} on XXXX {$260.00} on XXXX {$150.00} on XXXXXXXXBut it shows up as a payment of {$41.00} for the monthAlso during that month I made credit card payments to my XXXX XXXX Account ending in XXXX {$100.00} on XXXX {$300.00} on XXXX {$270.00} on XXXXXXXXBut again it shows up as a payment of {$41.00} for the monthXXXX XXXX says they have reported the correct amounts. 
All my bills show on time payments. 

Please explainThank youXXXX XXXX Mo. XXXX
Product: Debt collection

XX/XX/2020 I received an email from Hiday & Ricke , P.A . ( Paralegal Mrs. XXXX ). 
They wanted to settle a debt with a creditor ( XXXX XXXX  ) on an auto loan. While I was working during this time my husband and I advised them that we were unable to make any payments more than {$100.00}. This law firm said that they weren't going to accept it because it was going to take too long to pay off. So after speaking with my husband, we were going to see them in court and get it rectified. I received another email and call from Hiday & Ricke stating that I would call her later because I was at work. At this point, we were going to meet them at the courthouse. 
XX/XX/2020 Hiday & Ricke brought up another offer to do a Consent of Final Judgement for 6 months at {$75.00} then work with Post Judgement after that. At this point, we had decided to go to court and work it out. Then 10 days later, I was terminated from my job. I emailed Hiday & Ricke and told them what was going on. At this point, Paralegal Mrs. XXXX, said that means your husband needs to file Florida Statute 222.11 Head of Household waiver. Then I asked her do we still need to show up in court and she stated that we didn't have to we could sign a Consent of Final Judgement that would stop us from visiting the court.

Then my husband and I started receiving court documents via mail stating that they were going to take our vehicles. We still hadn't received a Florida Statute 222.11 Head of Household waiver XXXX XXXX I emailed Hiday & Ricke ( post judgement-Starr Curran ). She stated we could still work out something but they still didn't include the Florida Statute 222.11 Head of Household waiver only their Financial Information document that wasn't helping. 
XX/XX/2020 We received in the mail from Hiday & Ricke that they were garnishing my husband 's pay of 25 % per pay period which will put us on the streets. We called them and spoke with ( XXXX ). We  told her we would hire counsel to take care of this matter because the documents received were stamped by the court XX/XX/2020 and we just received them via USPS on XX/XX/XXXX. 
XX/XX/2020 Now, my husband 's pay has been deducted over {$300.00} per pay period that would mean we will lose XXXX of our vehicles and some bills that won't get paid. 

I do have documentation of the conversations and all of the documents received via USPS that the Florida Statute 222.11 Head of Household waiver was never included. Also, recorded  conversation from XX/XX/2020. 
I believe that this process was maliciously ignored and stepped around to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XXXX of XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter with Equifax on XX/XX/XXXX. This letter was NOTARIZED and included my ID and social security card proving who I am. Equifax responded saying they " couldn't locate a file '' in their database with the identification information submitted. So I re-submitted the paperwork and also added a payment letter with my current address. Again, they responded with the EXACT same stall letter continuing to ask for more information. 
There are many items on my credit that do not belong to me and it is unfair to have to continue to jump through hoops to get the proper investigation into something that affects the livelihood of my family, especially during this PANDEMIC. It is disrespectful and can not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a number of inquiries on my credit report for Equifax, XXXX, and XXXX that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the black market. I need this inquiry to remove from the credit bureau.
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX as of ( XX/XX/XXXX ) and TransUnion ( XXXX ) are reporting multiple bankruptcy on my credit report and they have stated in letter from that their un-named and named data furnishers have verified by the XXXX bankruptcy XXXX XXXX XXXX IL, XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX, IL XXXX. I have attached a letter from the XXXX bankruptcy XXXX XXXX XXXX IL, XXXX XXXX, XXXX XXXX XXXX XXXX,. XXXX, IL XXXX Verifying, and stating that they do not furnish information over to the credit bureaus, or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX and TransUnion are falsely saying this information on my credit reports Has been Verifide, This is not true and have yet to remove it from my credit as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts contain information that is both incomplete and inaccurate, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 ( a ) ( XXXX ) ( A ) stipulates that consumer reporting agencies must provide accurate and complete information in credit reports. Furthermore, FCRA Section 623 ( a ) ( 2 ) mandates that if a consumer disputes the completeness or accuracy of any information in their credit file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete. 

In addition to FCRA violations, I refer to specific consumer laws that reinforce the importance of accurate credit reporting. The Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-208 ) and the Consumer Financial Protection Act of 2010 ( Public Law XXXX ) both underscore the necessity for accurate and fair credit reporting practices. These laws were established to protect consumers from inaccurate information impacting their creditworthiness. 

Furthermore, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) amended the FCRA to include provisions for the accurate reporting of consumer information and the removal of inaccurate information from credit reports. Under FACTA Section 312, consumers have the right to dispute inaccurate information on their credit reports and have it corrected or removed. 

The accounts on my credit report are inaccurate and incomplete : Trans Union : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to dispute the following accounts. I did not owe this debt and it doePlease remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. XXXX not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me and I firmly believe they are fraudulent. I plead with you to conduct a comprehensive review and expeditiously erase them from my credit records. I have supplied corroborative materials for your examination.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I was scammed via XXXX messenger. I sent a XXXX for {$800.00} to XXXX for XXXX XXXX tickets- and no tickets were delivered and I was immediately blocked on FB messenger. I reported it to my bank, Capital One within minutes. The service rep I talked to on XX/XX/XXXX said they would be able to get my money back and I would see the credit back to my account within 10 days. That did not happen and there has been no follow up from cap. one. 
I followed up with Cap One on XX/XX/XXXX and found that the claim was denied and closed. I explained that the previous rep said my money would be returned. They offered to reopen the claim. Once again, there was no follow up from Cap one. I called again today and was told that the claim was denied again and that basicallythey are not legally required to protect your money from XXXX transactions. 

I've also reported my scam to XXXX and the FBI. 

A large bank like CapOne should protect our money- specifically if a scam is reporting within minutes of happening. Scams are going to become more frequent - banks need to protect us. 

In my situation, I thought I was talking to someone I knew and I thought I was " being smart '' to only send half the money, get XXXX the tickets delivered and the send then other half. I saw images of the tickets- so they seemed real. The person on the other side chatted with me as if we knew each other, so I had no reason to believe it wasn't her. 

Reported to cap one XX/XX/XXXX at XXXX Followed up with Cap one on XX/XX/XXXX. Claim was closed. They re-opened. 
Followed up with Cap one on XX/XX/XXXX. Claim was denied a second time. They said there was nothing they could do as they aren't legally required to do so. 

XXXX XXXX. no : XXXX
Product: Debt collection

I was alerted of a change to my credit report I found a collection account had been added by Jefferson capital system. I have never heard of or been contacted by this company and I do not now or have I ever had any accounts with XXXX I did not receive notification of this debit nor was I given the opportunity to dispute it before it was posted to my credit report. They have violated my rights under the terms of the fair credit act and should be reported to the authorities.
Product: Debt collection

I do not owe this debt and the balance date is inaccurate. They formerly had this account.They reported the debt to my credit on XX/XX/XXXX, NOT in XX/XX/XXXX. I have historical proof! I have recorded alerts via XXXX  XXXX portal that shows when the agency first reported to the credit bureaus about this debt. The collection agency is practicing illegal acts : Ability Recovery Services , LLC located at XXXX XXXX XXXX XXXX, PA XXXX. They have been on my credit file before XXXX but they are reporting the account in their office as new as of XX/XX/XXXX. The account they have is more than a year old. That is illegal. Please have them to stop harassing me, as I do not owe this debt. Thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

On XXXX someone from the bureau company reached out from me saying I owe the debt I told him I didn't order that I don't even know what that is they told me they were going to take me to court assuming for the day and that I should pay it and that they would take half payment if I paid it today 50 % off
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for the amount of {$1900.00} from XXXX XXXX XXXX ( it was my old 401k account ). They placed a hold on the funds until XXXX XXXX I called to see if I could get the funds added to my account as I need the money. I was told it was the law that they held funds the way that they did. 

On XXXX XXXX  I deposited my paycheck and again the funds were put on hold until XXXX XXXX This check was {$1600.00}. I called and they said it was because they had to verify the funds. Currently all my bill money and car repair money for my 401k is being held. 

I currently bank with Discover, and honestly was happy until now. I know it doesnt seem like a big deal to a banker, but I literally need this money to survive. I did some XXXX  and couldnt find a law they could site, and I know they wouldnt assume the funds are not legitimate coming from XXXX XXXX 

It sounds like they are making money off the interest of my money while I go without. If this is legal I want to know how it could be justified. They assured me they would pay my bill late fees if I could prove they are at fault, but being they are a big bank, and that they can just hold my funds to their satisfaction I am worried that is a battle I will never win.
Product: Credit reporting, credit repair services, or other personal consumer reports

m 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 acct # None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

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

To Whom It May Concern : I have sent you my request, Via : U.S. Postal Service CERTIFIED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX, dated XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2018, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.