23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to the ensure my rights are upheld. 

Thank you
Product: Credit reporting or other personal consumer reports

Credit acceptance FAILED TO REPORT PAYMENTS MADE DURING MY DIFFICULT TIMES IVE MADE PARTIAL PAYMENTS EACH MONTH UNTIL I CAUGHT UP, THEY NEVER REPORTED THE PARTIAL PAYMENTS I MADE DURING MY LOAN THIS IS MISINFORMATION AND NOT REPORTING ACCURACY, THEY NEVER EVER REPORTED WHAT THE AMOUNT OF ACTUALLY PAYMENT WAS MADE, SO THIS HISTORY OF LATE PAYMENTS IS INACCURATE AND MIS LEADING, AND NEEDS TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had the credit card since XXXX with USAA BANK. In XX/XX/XXXX bank reported him XXXX. 5 month later in XX/XX/XXXX after being married in XX/XX/XXXX he added me as an additional authorized user. I never have used the card. The bank is reporting me XXXXlate on the account for XXXX. I did not have the card in XXXX. There is no way I could of been late as I did not have a card or no oblid=gation to pay. I have asked the bank and the CRA 's to remove the account. They have failed to do so. This is inviolation of federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak XXXX the ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with LexisNexis. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and XXXX that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by LexisNexis. XX/XX/XXXX I called LexisNexis who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
Product: Credit reporting 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 a FRAUD yet I have an ITEMS passed on that should be taken out or Block. 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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX  Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022. 




The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I saw a couple of negative accounts on my credit reports that are not mine. I reported this but they said they verified it as accurate but no letters or proofs or anything was even provided. These accounts are not mine and I really need your help to address this for me please. It's been going on for almost 6 months now and the disputes are still pending. 

I will attach here the FTC reports that they told me to resend again and again. Pls delete the following fraud accounts and inquiries : Fraud accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is also a fraudulent inquiry : XXXX XXXX - XX/XX/XXXX XXXX 

I have not even studied. I wasn't capable to. The student loans don't make sense at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX/XXXX/Experian to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX XXXX  to check my consumer report on two separate occasions, I noticed a transaction was placed on my report and shortly after was deleted. this goes against the fair credit reporting act because as it stands, information furnished to any consumer report must be accurate and I understand I was violated and as a result was damaged. the information was deleted showing me XXXX XXXX allowed inaccurate information to be furnished initially. and admitted to their fault by deleting the account.
Product: Debt collection

I received a credit report from all 3 bureaus ; XXXX, XXXX  , & XXXX. I noticed there to be 2 collection accounts listed on all 3 credit reports from Choice Recovery , Inc . I sent them a debt validation letter, not once but twice. Choice Recovery, Inc. sent a letter back stating they have verified debt for {$140.00} and {$190.00} and requested for me to sign a Authorization to Release Information. I did not sign this nor will I sign this. That is HIPAA Information. They can not just say a debt is validated by giving the Creditor name and amount due. I demand to see my handwritten signature on a contract stating I am obligated to pay them. Choice Recovery , Inc. has not supplied proof of what constitutes proper debt validation. I have disputed both  accounts with all 3 credit bureaus. XXXX  deleted both accounts from Choice Recovery , Inc. due to the fact that they could not get Choice Recovery , Inc. to properly validate debt. ( Proof is attached ). XXXX  & XXXX started they validated it but will not send me proof even after sending a demand for investigation letter. Both of these accounts from Choice Recovery , Inc. need deleted ASAP. The account numbers listed are : Choice Recovery, Inc Account # : XXXX - {$190.00} and Choice Recovery , Inc. Account # : XXXX {$140.00}. I have attached the letter exchange communications for proof of illegal activity.
Product: Debt collection

Making a hard inquiries on my credit report for the payment I didn't own
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is a company that do not work for the people they are reporting & providing a service to. They are working for companies that pay them to keep a consumer in debt. I have had so many problems with this company over the years from discrimination to down right refusing to do a proper dispute investigation. I have written over 15 certified letters over time to this company on inaccurate information they have been reporting on my credit report. I even requested numerous times for a written letter on how they are able to verify accounts that the other two Agencies XXXX XXXX XXXX can not verify & has removed in a result of not being able to validate the collection. I have two collection reporting on my Experian & in both case I requested in writing proof of what & how they validate the account. I wanted proof that they were not just skipping steps & putting validate. I even spoke to a manager at Experian that was beyond rude & told me that they dont have to send me any proof because their investigation is private not for the consumers. I even ask if he was on a recorded line & he said yes because I could not believe the way the manger was speaking to me. When proof of identity is sent in with driver license that show our XXXX Experian makes their ruling base on that. All of my calls & behavior by the employees lead me to believe that they are not verifying my accounts because they stand more to gain.
Product: Debt collection

ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, XXXX  ALLIED COLLECTION SERV {$2800.00} Balance updated XXXX XXXX, XXXX  This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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.
Product: Bank account or service

In the end of XXXX, I joined XXXX. As an associate I was issued a payroll debit card administered by Skylightcard. Just this morning, I encountered a practice that seems very unfair, can be considered payroll theft actually by Skylight. 
Around XXXX today, I check and I have at least {$16.00} on the card. So I gased up in XXXX XXXX XXXX for {$10.00}. Now, after a minute I received a noticed that I owe them {$60.00} allegedly because they said it is automatic for them - to place {$55.00} advance whenever the card is used at the pump and that I need to pay them Overall {$50.00} overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT REGIONAL ACCEPTANCE DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : REGIONAL ACCEPTANCE, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal.

I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement.

Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan.

2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan.

3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions.

4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money.

5 ) All material facts are to be disclosed in the written agreement.

6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens.

7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling.

The agreement that I entered into has the above seven elements in it.

According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan.

This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. 

Signed, Authorized Representative/ XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on my XXXX credit report for derogatory remarks that were more than seven years old. XXXX removed two of these derogatory remarks. My XXXX  score went from XXXX to XXXX on XXXX. I submitted the same disputes for XXXX and Equifax. Both of these disputes took longer than 30 days. XXXX and Equifax stated that " resolved, consumer disagrees '' This is of course incorrect as XXXX has correctly removed these remarks from my account. Not only that, my Equifax credit score subsequently shot down from I think 696 or 712 down to XXXX. When clicking XXXX  " see what changed '' it stated " no changes were made. '' The only thing that was that there was a new remark on my derogatory accounts from over 7 years ago that the I disagree. It is past statute of limitations and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute to each credit bureaus. When I received my credit reports I seen a few names and address that I don't recognize. When you look into my account, please be sure to make sure all information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this public record with TransUnion I dont recognize this public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY XXXX FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT XXXX TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX XXXX/DOCKET NUMBER XXXX.