23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX accounts for Fair Collections and Outsourcing, # XXXX, and # XXXX, are in error. I have attempted to get these alleged debts removed from my credit reports. XXXX have done so, but XXXX refuses. These alleged debts were purchased by a collection agency from XXXX XXXX Apartments. I have sent documents proving that I do not owe this debt. In a nutshell, I had planned to lease an apartment XXXX Apartments, only to receive military orders to report to duty in New York State. Despite federal law, the Soldiers and Sailors Relief Act, which required XXXX XXXX Apartments to rescind the lease once I provided notice, XXXX XXXX Apartments refused to do so, necessitating litigation. When the judge learned that I was under military orders, the judge appointed me a guardian ad litem, who succeeded in getting the malicious lawsuit filed by XXXX XXXX Apartments dismissed. In other words, the court held that I owed nothing. XXXX XXXX nonetheless went and sold a fraudulent alleged debt to a debt collection agency, Fair Collections and Outsourcing. I informed Fair Collections and Outsourcing of the dismissal of XXXX XXXX Apartments ' case and that the debt was invalid. Fair Collections and Outsourcing has chosen to report me to the credit bureaus as a form of extortion in an attempt to get me to pay an amount that the court held I do not owe under federal law. Despite numerous communications with Fair Collections and Outsourcing, this unscrupulous debt collector refuses to inform XXXX that the debt is invalid. Consequently, XXXX will not remove the amount from my credit report. Even worse, XXXX of the alleged " debts ' is in fact a security deposit that XXXX XXXX is obligated to return to me.
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 the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  XXXX ( XXXX ), Account name : XXXX Originals ( XXXX ), Account name : 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 suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I opened a credit card account with Capital One XX/XX/XXXX. In XX/XX/XXXX, Capital One acknowledged by excellent credit history and offered me an upgrade from my product ( Venture Credit Card ) to Venture X credit card. 

Other than charging me a much higher annual fee, everything including the account number stayed the same. 

They continued to accurately report the age of my account as 4y 11mo until this summer, when they started reporting my account as opened in XX/XX/XXXX. 

This reduced my credit score because the length of account id important for lenders to see.

However, this was the EXACT SAME ACCOUNT and just an upgraded product. My account should continue to reflect that it has been open and paid as agreed ( with {$0.00} balance and $ XXXX available credit ) with ACCOUNT LENGTH 4y 11mo. 

Capital One Credit and Account services agrees, but forced me to write to their FRCA to make the change, even though this was their error. I requested a reasonable accommodation under XXXX, especially because so much work was required for me to fix THEIR error. 

I sent all of the evidence of the length of my account and keep telling me they will update my account information with all credit bureaus as recently as XX/XX/XXXX, yet have failed for months to do so. 

I have suffered direct damages for a falsely lowered XXXX score with all three credit bureaus which has resulted in {$16000.00} in interest charges from XXXX and other loan agencies and was even denied an increase in credit line for this top tier product because of their own mistake. Evidence is attached and request CPRB compel Capital One to update my account length of account open to 4y 11mo since the account is the same and the product was simply upgraded at their request.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 This account has incorrect information, I want it removed from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was stolen and I have a bunch of accounts in collections. My credit score is  crushed! 

XXXX XXXX XXXX XXXX - XX/XX/15 - {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and fraudulent unauthorized inquiries
Product: Money transfer, virtual currency, or money service

I am trying to close my PayPal account, however, this is not possible because PayPal states I have a balance. I do not have balance in My PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS MEDICAL DEBT FOR XXXX XXXX XXXX WAS JUST RECENTLY PUT ON MY CREDIT REPORT, I CHECK MY CREDIT REPORT OFTEN I AM WITH XXXX XXXX AND THIS WAS NEVER ON MY CREDIT REPORT. I SPOKE WITH A FEMALE NAMED XXXX, SHE ADVISED ME THIS PAID {$11000.00} AND THIS WAS PAID OUT OF NETWORK, SHE SAID FOR ME TO APPEAL THIS AND MAKE IT KNOWN THAT THIS WAS ALL UNDER PAID SHE GAVE ME MORE INFO IN REGARDS TO THE PAYMENT BEING REVERSED OUT ON XX/XX/XXXX, AND THEN PAYMENT WAS PAID {$4400.00} & {$4100.00} PAID ON XX/XX/XXXX ... ..TOTAL THAT WAS ONLY PAID WAS A LITTLE OVER {$8000.00}. SHE ADVISED ME TO APPEAL FOR XXXX XXXX XXXX. SHE STATED FOR ME TO ADVISE THE INSURANCE THIS WAS BEYOND HIS CONTROL FOR MEDICAL EMERGENCY. SHE STATED THAT THE XXXX XXXX XXXXXXXX WILL TAKE A PATIENT IF DEEMED NECESSARY AND OUT OF ONE 'S CONTROL. XXXX XXXX HAD A 2 XXXX AND HAS NOTHING, NO ASSETS BUT HIS CHILDREN .THE REASON FOR MY COMPLAINT IS THAT THIS WAS NEVER, I REPEAT NEVER ON MY CREDIT UNTIL I MADE THIS CALL TO FIND OUT WHAT WAS PAID FROM HIS INSURANCE. IF IN FACT THIS IS HIS DEBT AND NOW MY DEBT THEN WE SHOULD HAVE AN OPPORTUNITY TO HAVE BEEN NOTIFIED FROM THE ORIGINAL CLIENT TO GIVE SOMEONE AN OPPORTUNITY TO MAKE SOME TYPE OF ARRANGEMENT TO PAY {$10.00} A MONTH OR BE ABLE TO DISPUTE THIS FROM THE BEGINNING. THERE WAS NEVER ANY NOTIFICATION GIVEN ITS JUST ON THE CREDIT REPORT. MY COMPLAINT AGAIN, IS THAT THIS WAS NEVER ON MY CREDIT REPORT UNTIL JUST ABOUT 2 OR 3 WEEKS AGO AND IT'S BEEN IN COLLECTIONS FOR ALMOST 2 YEARS PER XXXX AT UNITED RESOURCE SYSTEMS. THANK YOU XXXX XXXX
Product: Vehicle loan or lease

MY CAR WAS REPOSSESS SAYING I WAS BEHIND ON PAYMENTS. I PAID XXXX TO HOLD ME OFF FOR A FEW MONTHS MY PAYMENTS WS XXXX A MONTH. THEY STILL CAME AND GOT MY CAR IN XXXX OF 2022 RIGHT AFTER I PAID THE XXXX AND I WOULD LIKE TO KNOW WHAT I NEED TO DO TO GET MY MONEY BACK OR MY CAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are the result of identity theft. I have already reported this issue to the appropriate authorities, and I am now requesting that the credit bureaus cooperate with me to resolve the matter. 

As a victim of identity theft, I am entitled to certain protections under the law. I expect the credit bureaus to comply with all legal requirements, and failure to do so may result in legal action against them.

I have already contacted the other credit bureaus to report the accounts in question, and they have ceased reporting them as they have confirmed them to be fraudulent. However, your bureau continues to report these accounts, which is causing serious harm to my credit score.

I have also contacted the creditors associated with these accounts, and they have confirmed that the accounts were fraudulent and have agreed to remove them from my credit report. 

Fraudulent account in question : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$84.00} ; XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX XXXX {$1300.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$5100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of    2017  and my dispute case disappeared. I disputed again in  XXXX     2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  investigated and removed this right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX and Equifax ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally report violations of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Upon reviewing my Experian credit report dated XX/XX/2024, I discovered significant inaccuracies and incomplete information that adversely affected my credit profile. 

Under the FCRA, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681 ( e ) ( b ) ). Furthermore, according to 15 USC 1681i, consumer reporting agencies must promptly delete or correct inaccurate or incomplete information following a consumer dispute and notify the furnisher of such information about any modifications or deletions. 

Despite these legal obligations, the accounts listed below have reported information that is not accurate and violates my rights under federal law : 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 I believe these creditors ' inaccurate reporting violates my privacy and confidentiality rights under 15 USC 1681 and constitutes a false credit report, which is illegal. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate enforcement actions against the creditors for their non-compliance with federal law. 

Thank you for your attention to this critical matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting

Equifax is misreporting a rolling charge offXXXX ( Equifax ) # XXXX, for misreporting a rolling charge off
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX NY Amount {$1000.00} Dispute # XXXX I ordered a XXXX from XXXX XXXX, never received except open package. They provided discover with signed fed but it was not validXXXX XXXX XXXX never filed claim since they had no insurance. Discover refused to assist since they said merchant provided fraudulent signature. XXXX XXXX refused to assist and discover refused to assist too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year> XXXX tried to make hotel reservations with a Citi credit card issued to me in XXXX. The charge didn't go through, so I contacted the number on the back of the card. The rep started asking me to verify my whole credit card number and I told him I was uncomfortable giving the whole number over the phone. But I said i'd give him the last 4 digits and he said he needed the full card info. I asked if there was other ways to verify my identity like the security questions I submitted and he said he could not. Unless I had a landline to call to verify, and I said I'd give him my husbands cell phone numberXXXX  still no to the suggestion. He said he'd have to verify my identity through a letter in the mail that could take 7-10 days and this was the only way to verify. I asked for a supervisor but none is available. 
Frustrated I can not use the travel credit card for my trip now as I will loose my reservation. I can not understand how a company in the XXXX century could operate this way.
Product: Debt collection

I received a letter from Fidelity Creditor Service attempting to collect a debt for XXXX XXXX, XXXX stating I should write to them by XX/XX/XXXX. I sent a debt collector disclosure statement, by certified mail to the office on XX/XX/XXXX ( cert # XXXX ). They responded with a letter dated XX/XX/XXXX with a the ***sealed/confidential*** judgement between me and XXXX XXXX, XXXX , as well as stating to " kindly contact our office within 30 days to discuss resolution. However, Fidelity Creditor service did not provide any other information requested from the disclosure. II went to the court clerk to inquire if the creditor should have the sealed/confidential judgement and she informed me, they should not. 
I sent a response via certified mail on XX/XX/XXXX to Fidelity Creditor Service well within the 30 day timeframe ( cert XXXX XXXX ) asking that they provide full disclosure, including the information listed within the letter to satisfy my verification requirements, within ten ( 10 ) days after receiving my letter or, the debt would be deemed invalid and further collection attempts would be considered a criminal activity attempting to extort monies. Fidelity Creditor Service never responded and added the collection to the credit bureaus.
Product: Debt collection

Reached out to XX/XX/XXXX to try to settle on debts that are listed on credit report, but hey claim they have NO RECORDS of any file with my name on it. They said the same thing when i called them back in XX/XX/XXXX. I have tried disputing it but have been unsuccessful. 

All i am asking is for this to be removed from my credit report as soon as possible, especially since they aren't supposed to be placing negative items on consumer reports during covid. 

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

Paid off credit card from Chase in XX/XX/2020 and till haven't reported that the charged off account has been paid and closed.
Product: Checking or savings account

Chase Bank closed my accounts when I have done NOTHING wrong! I am a XXXX student, evident by my scholarship refunds I receive every semester into my CHASE CHECKING ACCOUNT! What reason would you all have to abruptly close my account and then not disclose why? I am in school with restricted income and you all closed my accounts with my money in it! Now what am I supposed to do? I have bills to pay! Nothing illegal was done with my account! I barely spend over {$100.00} on anything other than bills. I dont have random large amounts of cash depositing into my account, I dont send or receive large wire transfers, or anything of the sort! I spend my money on bills and fast food! I had XXXX checking accounts with you all and Ive been a customer for years! This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information such as name and address are all incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting has violated my rights. 
15 usc 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plans as late for and purpose. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is a result of identity theft i have provided and police report to XXXX XXXX XXXX and the credit bureaus they still refuse to remove the account, the account now shows close but XXXX XXXX XXXX is consistently updating it as late.