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

XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.
Product: Credit card

Formal Complaint Regarding Capital One Venture Card Experience Dear Capital One Customer Service, I am writing to express my dissatisfaction with my recent experience regarding my Capital One Venture card. 

I applied for the card and was approved immediately for a large credit line. However, after receiving the card and activating it, I encountered multiple issues that have left me frustrated and disappointed with the service. 

The first problem occurred when I tried to make a purchase for my phone the day after activation. Unfortunately, my transaction was declined. I contacted customer service, and the representative told me that I could only be verified by receiving a code via text. Unfortunately, my phone was in the process of transferring files, and I could not accept the text for the next three hours. As a result, I had to use another card for the payment.

Later in the day, I attempted to use the Capital One Venture card at XXXX for a simple {$21.00} purchase, but the transaction was again declined. 

That evening, I called customer service once more and spoke with a representative named XXXX. I explained my situation and politely requested that the {$95.00} Capital One membership fee be waived, as I was unable to use my card throughout the day and consequently missed out on potential rewards points. Again, my request was denied. 

Given these ongoing issues, I believe it is completely unacceptable that I am being charged this membership fee, especially considering I could not use the card as intended. As a result, I asked XXXX to close my account, as I no longer feel confident in Capital Ones ability to provide the service I expected. 

I would appreciate it if you could address this matter promptly, provide a full explanation of what went wrong, and advise how you plan to resolve this issue. I look forward to hearing back from you and receiving clarification on my account status. 

Thank you for your attention to this matter. 

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

am writing to formally dispute the unauthorized sale and inaccurate reporting of XXXX XXXXXXXX XXXXXXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX XXXX The account was sold to collections without my consent, constituting a breach of privacy. Additionally, the reporting on this account is inconsistent and incorrect. I demand the immediate removal of this account from all credit reporting agencies, compensation for the damages caused, and a detailed investigation into these issues. 

Issues Identified 1. Unauthorized Sale of Account : XXXX XXXXXXXX XXXX XXXX XXXX account was sold to collections without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
2. Inaccurate Reporting : High Credit : Experian : {$0.00} XXXX : {$440.00} XXXX XXXX : Experian : {$300.00} XXXX : {$0.00} Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These inconsistencies in reporting are unacceptable and contribute to the inaccurate portrayal of my credit profile. 

Violations and Impact The discrepancies in the reported information, along with the unauthorized sale of the account to collections without my consent, are clear violations of the FCRA and my privacy rights. These actions have caused undue stress, potential damage to my creditworthiness, and an invasion of my privacy. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Debt collection

We don't owe XXXX XXXX XXXX any money, we never signed a contract with them. We have been fighting XXXX XXXX XXXX for 3 years now. This collections was removed from XXXX and XXXX, but still remains on my XXXX   credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few inquiries on my credit report that I have not made and I have been writing to the furnishers as well as the bureaus regarding this and they have yet to answer me or provide information on why these are on my credit I need them off since thewy do not belong to me I have not pulled these nor approved for them to be pulled!!! 


Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

Your failure to validate disputed late payments violates the Fair Credit Reporting Act. Despite my written dispute over 30 days ago, you have not responded or provided required documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reflecting on my consumer report as a " collection '' for {$1300.00} as well as a " charge-off '' with a {$0.00} balance. This information is inaccurate and I would like it removed from my report.
Product: Payday loan, title loan, or personal loan

I owe XXXX XXXX XXXX and I was contacted by ARP associates and was told that if I didnt pay back that I was in danger of having my government benefits relinquished and stopped for non payment. I already paid for some of the debt. I am a victim of identity theft and I am concerned that I payed some type of scammer. I am not sure if the ARP & Associates are even legitimate or real. I realized this when they attempted to charge my bank card and was told that it did not go through however my bank did pay for it and thankfully the bank credited my account. Also, what was suspicious was that I received a fraud alert from the same company since they continued to charge my card after this happened. I already payed some of my loan to these people and I sm not sure if they are redd as l or if they scammed me. Please help thank you.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX
Product: Credit card

I had XXXX XXXXXXXX and to spread out the payments we got a Synchrony Care Credit XXXX through Synchrony bank. This had a XXXX month, no interest if you paid it in full. Unfortunately we miscalculated the timeframe of the promotion and ended up with over XXXX in interest on a XXXX original charge. I accept that we should have known this, and that by contract we owe the money. We have actually paid them. But this company and service that they provide should be unlawful. How many people who need medical care and cant afford it are forced to use this service and saddled by debt for years. This is predatory lending. For people who have no other options they will be stuck in this debt cycle for a very long time. This type of lending and interest charges should not be allowed without, at the very least, notification that the introductory period is ending soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit card or prepaid card

I'd like to request CFPB ' assistance resolving an on-going fraud protection investigation case with American Express Bluebird in the amount of {$2100.00} in fraudulent online charges I incurred on my Bluebird card on XX/XX/XXXX and XX/XX/XXXX, that appears hopelessly stuck in AmEx 's recurring, on-going investigation process. 

Further, Amex has zero adherence to their most basic fraud protection provisions defined in their user agreement, which states Amex will provisionally credit the fraudulent charge amount within 10 day 's of opening the investigation if the investigation requires additional time. I asked Amex CR representatives about this provision and they verbally acknowledge they don't comply with their written policies, which is disturbing because AmEx advertises fraud protection as a selling point. 

Event history below : - XX/XX/XXXX & XX/XX/XXXX, I incurred over {$2100.00} in fraudulent online charges on my American Express Bluebird card. One of the fraud charges included a very large overseas online purchase from XXXX in XXXX XXXX for {$2000.00}. For some reason Amex apparently doesn't trigger fraud alerts on large, overseas online purchases out of XXXX, which Amex couldn't explain. 

- XXXX : I notified Amex about the fraudulent charges after I logged onto my account and immediately called AmEx 's fraud protection number to initiate an investigation - XX/XX/XXXX : Amex declined all fraudulent charges. Although each fraudulent charge was disputed as a separate claim, Amex declined all because they intercepted a single fraudulent purchases before it shipped - because the merchant was going to refund that item, they said they had to decline all fraud charges and directed me to reopen the exact same claim again for the remaining items. 

XX/XX/XXXX : I reopened the same claim per Amex 's recommendation ( minus the one item Amex was able to intercept as mentioned above (. I asked Amex about the 10 day provisional credit because I have to pay my household bills out of this account, which they said they would apply if the investigation isn't resolved in 10 days. The provisional credit was never applied XXXX : Amex again declines all fraudulent charges because one of the smaller purchases for approximately {$50.00} ended up being a legitimate purchase but the merchant id was mis-labeled in Amex 's transaction detail as PDF which was a completely unrecognizable vendor. All other legitimate fraudulent charges were declined as a result. 

XXXX : Reopened the claim again per Amex 's recommendation minus the single item mentioned above. 

XXXX : Called AmEx requesting for an update on the investigation and the provisional credit as it's been over 60 days since the original claim was submitted but Amex had no update and suggested I keep waiting, which is unacceptable.
Product: Debt collection

RE : Violation of 15 USC 1692 ( a ) and 18 USC 1961 Racketeering Discovery Since 2021, CAINE & WEINER has been ruining my reputation. As a result of CAINE & WEINER illegally and unlawfully furnishing such negative reports to my consumer report, some of the following has occurred. 

Please see attached for further details regarding this matter.
Product: Credit reporting or other personal consumer reports

I am seeing a comany on my credit report Rent Recovery for $ XXXXThis debt does not belong to me and it is affecting my credit score and ability to sign a lease. I would like to have this information deleted from all credit bureaus immediately. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 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 : XXXX - XXXX  ; XXXX XXXX XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 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 : XXXX - XXXX  ; XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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 : XXXX - XXXX  ; XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> RE : Dispute of Collection Account Dear Sir or Madam, I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : Exeter Fin Account Number : XXXX This collection account is inaccurate because the collection agency, Exeter Fin has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

Due to these violations, I request that you investigate this matter and remove the inaccurate collection account from my credit report. 

Please inform me of the results of your investigation within 15 days of this letter 's receipt. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Product: Checking or savings account

Citi bank blocked my account and closed my account without consulting me on XX/XX/18. Moreover, they hold my money and dont let me access to my own money. I called and went to the branch on XX/XX/18, still no help at all. They said I have to wait 30-60 days to receive a check from them for my remaining balance in my checking account. This is ridiculous. All my money is in that account, how should I live for 30-60 days without money at all!
Product: Credit reporting

Equifax incorrectly reports XXXX of my revolving lines of credit as being 'open ', despite the fact that it was written off for profit/loss years ago. This results in a 99 % utilization rate of my 'available credit '. Of course, if this information was correct, I 'd be able to go use this card and charge the remaining {$150.00} to reach 100 % utilization. Obviously the card is not 'open ' -- it is closed, with an unpaid balance. Hence, there is no " utilization '' factor. There is simply an unpaid debt. 

I have disputed this at least twice, resulting in no changes both times. The errant 'unknowns ' for payment history were not even changed to 'CO '. 

I attached the Equifax & XXXX credit report & you can note the differences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been hospitalized. I have illness that I am constantly in and out hospital At XXXX point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my credit karma report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below Dates XXXX/XXXX/XXXX. XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank 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

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

THERE IS INCORRECT INFORMATION ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX  XXXX ACCT # XXXX OPENED DATE : XX/XX/2024 XXXX XXXX XXXX  XXXX ACCT # XXXX OPENED DATE : XX/XX/2024 XXXX XXXX XXXX XXXXXXXX ACCT # XXXX OPENED DATE : XX/XX/2024 These items where already successfully deleted from credit reports but agency reported them as collection illegally this time
Product: Debt collection

I missed a phone call from a number that I did not recognize. This number was XXXX. I called the number back when I saw it on my cell phone later. There was an automated message stating that the call is being recorded and then a lady answered, gave her name, and asked for my name. Since they had originally called me, I did not think that I should have to give my name. I asked the name of the company and she said " Spring Oaks Capital ''. I asked what kind of company this is and why are they calling and she declined to give me any information unless I give her my name first. I do not want to give my name to a company without knowing what the nature of the call is. This sends up red flags in my mind. I googled the company and found out that it is a debt collection company. I know that I don't have any unpaid or slow debts so I immediately got worried and ordered copies of my credit reports. All is clear, thank goodness. I do not know how this company obtained my personal cell phone number but I do not want to receive calls from any type of debt collection company. This reeks of a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave TransUnion permission to report anything on me in the first place? I need answers now!