23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$35.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 

these account were never late. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card XXXX XXXX  that have two entries, should have been removed from my report as it was closed in 2012, I have tried to dispute it but they are a shady company, I am requesting that they both be removed. They are closed and no longer used and they are over seven years old.
Product: Debt collection

Im not sure of this amount that the company is accusing me of but its hindering my credit file.
Product: Credit reporting or other personal consumer reports

I have sent several letters to Transunion about a negative report that is showing up in my credit profile. I am not going to allow Transunion to continue to violate my rights under law 15 USCa ( 2 ) ( b ). They have not yet provide me with anything I have asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit card with Chase for over 30 years, I have always paid my balance every month, never rotated. I, also have had a credit card with XXXX. 

We used to live in Arizona until XXXX of 2020. After we moved to California one day my credit card was denied by a merchant. I could not believe it because for over 30 years I have had excellent rapport with Chase and my husband, XXXX XXXX, and I were considered " Private Clients '' of Chase. After this event our Private Banker at Chase did not respond to my phone calls. Later, we were told that a partner of Chase had problems with us. Eventually, we figured out that this it was XXXX XXXX  XXXX XXXX. There was a hint that multiple people had tried to use my Gap account. To date I do not have any names or explanations about this happening and it must have happened during or through of our move. 

Sofar, all other credit card companies have been fine and my credit score, last time I checked, Was still " very good. '' Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days. I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Debt collection

I have requested proof on two separate occasions that I am indeed the party that LVNV is asking to pay this debt, and that there is some contractual obligation which is binding on me to pay this debt. LVNV failed to provide : 1. Proof that LVNV are licensed to collect debts in the state of Texas. 
2. A copy of the contract between LVNV and the original creditor. ( Agreement with your client that grants you the authority to collect on this alleged debt ) 3. A complete and full accounting transaction history ( the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX 509 ) 4. Copies of the certified original contracts which include my name, social security number, and true signature. ( Agreement that bears the true signature of the alleged debtor wherein he agreed to pay the original creditor. )
Product: Debt collection

I did not receive notice of this collection until it appeared on my credit report. XXXX. I didn't receive any phone calls making me aware of this debt. The company collecting debt is Amcol. The date of service for the debt XX/XX/XXXX18. 
Contact # XXXX. The provider of service was XXXX hospital of XXXX mich. My credit score was damaged, I was not aware of this Debt.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX  Incorrect DOB : - XXXX Employer - XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I called Capital One to advise I would be submitting a payment for {$80.00} to keep my account current. The representative said she would note the account. I paid the {$80.00} and it was credited to my account. Towards the end of XXXX going into XXXX, I got an alert saying on my credit report, that Capital One had reported it 30 days late with a past due amount of {$3.00}. I immediately got on the live chat with someone to advise of the call I made and that the rep did not tell me any different when I said {$80.00}. They did not tell me {$83.00} was the correct amount. Because I would have paid {$3.00} more. The rep on the chat advise he would have it investigated and corrected. I never heard anything from Capital One so I assumed it was corrected. I pulled my credit report again and it was still showing, so I disputed it with all 3 bureau and Capital One is still coming back saying it was 30 days late and this 1 late payment has ruined my credit because they failed to report the account was not 30 days late. Capital One need to contact all credit bureau to advise that the account was not 30 days late as I was not advised to pay {$83.00} when I called to let them know I would be paying {$80.00}. All of this is happening over a {$3.00} discrepancy and misinformation that was given to me. Please have my credit report corrected as soon as possible as I never had any problems with Capital One. I can not believe this has ruined my credit over a so called {$3.00} past due amount when I made the payment for {$80.00} as advised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint with XXXX XXXX for their inadequate investigation into a fraudulent credit card opened in my name. In their response they included the information that was filled out to open the credit card. There were several errors on this information.

Whoever opened this account provided the following incorrect information : Mother 's maiden name Email address ( I've never seen this address before ) Own/Rent ( I assume that the XXXX marked in that field means neither which is not true ) Monthly Mortgage/Rent ( {$0.00} was marked, this is not true at all ) Yearly income ( this number would have been close a few years ago ) Employer Name ( This field seems to have been left blank ) XXXX XXXX claims to have reviewed the ID used and did not include a copy of it in the response to my previous complaint. XXXX XXXX also did not include a social security number used, nor did they include any of the questions that were supposedly answered in the phone call opening the account. I would also like to be provided with the recording of the fraudulent phone call that was used to open this account that they claim to have verified " sounded like me. ''
Product: Mortgage

Today, XXXX XX/XX/year> talked with Chase, and they have stayed to me that they will not adhere to Court order DTD XXXX XXXX, by XXXX XXXX XXXX that ; I XXXX XXXX XXXX is not financially responsible nor responsible for the home of XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Chase Executive office stated they will not adhere to the court order, in which it violates Federal Law. 
Chase has been violating Federal " Credit Fair '' act in that they are saying that I'm responsible, when the court, during the divorce gave the Financial and Responsibility of the house and the loan. 
I'm requesting that your office start and investigation against Chase, in violating a court order and other Federal Law and Federal Acts.

This has been going on for two years, and they are still violating a Court Order.

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

I am having trouble requesting a second official letter from Equifax regarding a XXXX security breach. XXXX XXXX, I received a letter from Equifax stating that I have been impacted by a security breach. It stated that information including my name, social, date of birth and address may have been compromised. It also suggested me to sign up for their credit monitoring service ( XXXX XXXX XXXX ). During a move in XXXX, the letter was misplaced. XXXX XXXX, XXXX I called Equifax security breach customer service ( XXXX ) to request another written letter. They informed me that I must call customer solutions ( XXXX ). After speaking with Customer solutions I was referred to XXXX XXXX XXXX ( XXXX ). I requested a copy of my breach notice, the customer service rep suggested that I was customer of XXXX XXXX XXXX and recieved the letter from them. I informed that them I was not a XXXX XXXX XXXX customer, and the letter came from Equifax via mail. They informed that the letter did in fact come from " Equifax XXXX XXXX '' but I can not receive a second letter. They told me the only thing I can do is go to the equifaxsecuritybreach2017 website put my information in ( last name and last six digits of social ) and sign up for their XXXX XXXX  XXXX credit monitoring service. I was given no explanation on why a second letter could not be generated and sent by mail. Equifax has showed not only poor judgement and incompetence on security but also poor judgement and incompetence in finding solutions, resources, and quality customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report, I found unknown inquires from XXXX XXXX on both my XXXX  & Equifax report. I reached out to XXXX XXXX stating I never authorized them to pull my credit. On XX/XX/2021 XXXX XXXX provided a letter stating they were unable to provide permissible proof to run my credit. They then informed me they have sent a request to all major credit reporting agencies to have the inquiries removed from my credit report. I reached out to XXXX  & Equifax to confirm confirmation of removal. Both Equifax & XXXX  have received nothing from XXXX XXXX as of XX/XX/2021. Equifax stated they will NOT remove inquires without a complaint to the FTC and a Police Report, although XXXX XXXX has express these inquires were NOT authorized. XXXX  has reiterated the same statement as Equifax. I have called numerous times to Equifax to only be hung up on every time, they refuse to follow the law & refuse to remove the inquiries.
Product: Checking or savings account

I have a checking account with Capital One Financial. I typically receive my direct deposit every other XXXX, but I did not receive access to it on XXXX, XX/XX/year>. I was also restricted from using my checking account debit card and transferring money from my Capital One Financial savings account to my checking account. I did not receive access to my checking until Sunday, XX/XX/year>, at which I was behind paying several bills.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( XXXX XXXX XXXX ), I have the right to request that inaccurate or outdated information be removed from my credit report. Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I believe that this charge off account is inaccurate because XXXX. The high balance reported by XXXX is {$1200.00}, while Experian reports {$0.00}, and XXXX reports {$1200.00}. XXXX. The date of last verification is XX/XX/XXXX in XXXX, but it is not reported in Experian or XXXX. XXXX. The date of last activity is reported as XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date reported is XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, and XX/XX/XXXX by XXXX. XXXX. The date opened is XX/XX/XXXX according to XXXX, but it is XX/XX/XXXX according to both Experian and XXXX. XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by XXXX as XX/XX/XXXX and not reported by Experian or XXXX. XXXX. The account rating is reported as " Derogatory '' by all three bureaus. XXXX. The account description is reported as " XXXX '' by all three bureaus. XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. XXXX. The creditor remarks in XXXX indicate that the account was charged off as bad debt and canceled by the credit grantor, while Experian states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. XXXX. The payment amount is reported as {$0.00} by all three bureaus. XXXX. The last payment date is reported as XX/XX/XXXX by both XXXX and Experian, but as XX/XX/XXXX by XXXX. XXXX. The past due amount is {$540.00} across all three bureaus. XXXX. The credit limit is reported as {$1000.00} by both XXXX and Experian, but {$0.00} by XXXX. I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i am very upset that XXXX decided to appear on my Experian credit report and not only that they reported the wrong current balance which should be {$12.00} plus this is the last installment payment i reached out to Experian and of course they did nothing, here is the problem don't show up on my credit report at the last payment reporting inaccurate information, I really wanted to like XXXX but this XXXX has took the cake, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX  Delete this account.

2. there is some inaccurate information reporting XXXX  Account Number : XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number # XXXX Please update- All New Reporting Information to- paid as agreed and current 4. These following address are errors never lived there XXXX XXXX XXXX XXXX, Georgia XXXX  Please remove it from my credit report.

5. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX GA XXXX  Please remove it from my credit report.

6. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing this to have assistance with having my personal information updated on these credit reporting agencies. I reviewed my report and I have seen a lot of inaccuracies. 

My name is : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Please have the agency update this accordingly.
Product: Mortgage

I have indicated to this company on numerous occassions to apply all my extra payments towards principal. I have complained THREE times to CFPB on this matter. Yet, as of today, XX/XX/year>, I have {$1300.00} sitting in non interest bearing account called " unapplied ''. I had a loan that I paid off with this servicer in the past, I only had to give instruction once and it was done. I've been on the phone for almost an hour now trying to get them to apply the fund in " unapplied to principal.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified that there was a collection by XXXX XXXX on my XXXX credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXX filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to XXXX for investigation and verification. After investigation the credit reports for XXXX was updated and the collection was removed. I have since locked all three credit files ; XXXX, XXXX and XXXX. I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX XXXX. I immediately called XXXX and the collection was removed the same day. On XX/XX/XXXX the same collection reappeared on my XXXX report. Once again XXXX investigated and once again this fraudulent charge was removed. 

On XX/XX/XXXX, this fraudulent charge ONCE AGAIN REAPPEARED! I contacted XXXX and they indicated that the previous investigations were no longer in their data base. Pretty incredible since this was a case of identity theft, and a statement was added to my credit file indicating that I was the victim of identity theft! 

The new fraudulent charge was submitted by JEFFERSON CAPITAL SYSTEM located at XXXX XXXX XXXX, XXXX MN XXXX. This company has also re-aged this fraudulent charge to make it appear as if this is a current account! This is a violation of the Fair Debts Collection Practices Act ( FDCPA ).
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX  XXXX XXXX {$460.00} XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX  XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit card or prepaid card

Purchase of {$3000.00} made in XXXX of XXXX with a CareCredit credit card using a promotional purchase with deferred interest if paid in pull over 24 months. I agreed to a fixed payment amount of {$120.00} at the time of purchase, spread out over 24 months to pay balance in full. Carecredit has a fixed interest of 26.99 % for my credit card for all purchases. After the initial {$3000.00} purchase, other purchases with promotional deferred interest were made. The {$120.00} payments I was making for the {$3000.00} purchase were applied to the other promotional balances, instead of the {$3000.00} purchase. If my balance kept increasing, why was my minimum balance not changed to allow for payments to all three promotional balances so that no deferred interested would be charged. XXXX of XXXX until XXXX of XXXX, no payments were applied to my original purchase balance. They were all applied to balances that were to expire sooner. Synchrony Bank does not state this practice anywhere, instead they state it is as they choose. The Credit Act of 2009 states that payment is applied to that with the highest interest rate, in my case, all purchases on the card have the same interest rate. They did not notify me that they would be applying payments to promotional balances expiring sooner. I made payments on time, every month. I was not notified of the practice of " Sychrony chooses what to pay without notifying consumer ''. 
And, since the deferred interest has now been charged to my account, there have been no payments made to that balance even though I am currently being charged interest on that- which goes against that Credit Act of 2009.
Product: Credit card or prepaid card

I, XXXX XXXX, natural person and consumer am submitting this complaint against Capital One on my own. I have not received any assistance from a third party. I am aware that Capital One has violated my right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6802 ( b ) of the Gramm-Leach Bliley Act. I am aware that not excluding transactions between, I, the consumer, and the person making the report is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Capital One is a covered person as defined under 12 U.S. Code 5481. According to 12 U.S. Code 5536, it is a prohibited act ( A ) to offer or provide to a consumer any financial product or service not in conformity with Federal consumer financial law, or otherwise commit any act or omission in violation of a Federal consumer financial law ; or ( B ) to engage in any unfair, deceptive, or abusive act or practice ; I am demanding Capital One provided the required notice of disclosure or block and remove the tradeline.