23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX TN Original Debtor IQ DATA INTERNATIONAL IN on XX/XX/2021 XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Remarks I called to attempt to verify a debt appearing on my credit report. 
1 ) Refused for two years to show desperation amount of carpet by showing when the carpet had originally been installed ( was told carpet had to be replaced when we moved out anyway when we moved in ) 2 ) Attempting to Charge me for Keys that i returned. How can i prove i returned something they don't give me a way of showing i returned it like a receipt. 

3 ) Refuse to communicate with me ( Hung up on me multiple times ) 4 ) Threatened me with Bad Credit and increasing fines due to interest.
Product: Credit card or prepaid card

My identity was stolen while I was in the XXXX hospital, I was on a thirty day hold from XX/XX/XXXX untill XX/XX/XXXX. The hospital lost or stole my credit cards, XXXX XXXX watch, and glasses and sited me for trespass because I refused to leave without my property that day. Opon gaining access to my Capital One account finally I noticed XXXX in charges that were fraud on my credit card that were fraud that had taken place during my XXXX. I filed a claim with Capital One and submitted all documentation to prove that I was in the hospital and was clearly not responsible for the thefts.Capital One closed out the stolen card ending in XXXX and claimed to credit my account for the fraudulent charges but refused to allow me to access my funds even to this day. I also received outside reimbursements credits of XXXX from XXXX for previous purchases settlements that have nothing to do with this situation and Capital One refused to allow me access to any of those funds as well. Capital One refused to reimburse and reverse any damages or reimbursement totally to my account from every company that Ive done business with treating me as the criminal instead of the victim in this awful situation. The XXXX refunds have nothing to do with this investigation and this is against the law. Its been 30 days and I dont know what else to do. I want my money back. I have the telephone recordings to show their insubordination. All funds in my Capital One credit card account was transferred directly from my bank account so that I could use their credit card to improve my credit worthiness, this account is a secured credit card and they have no right not to protect me as a cardholder and consumer from accessing my person money from my XXXX account, they were Not letting me use their credit, this is my money in jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX bank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX  settled in full for {$380.00} as agreed on XXXX XXXX
Product: Credit card

My wife and I received a random promotional phone call one evening from American Express. We agreed to the terms of 9.9 % and stopped using our XXXX credit card, as we were in the middle of flipping a home. The home is now cnear completion and we went to pay the XXXX balance off. In so doing, we were notified the 9.9 percent agreemnet was never activated. Statements are included to signify when the offer became effective. We called and were moved up the chain of command 3 times, to only be told, " Even if the promotion was valid, it is no longer and would not be in effect now. '' This is after we asked them to screen the recorded call, at the lower levels of customer service they denied any such promotion ever existed, and approximately 3 hours of nonsense. We closed the card, gave them any reward points and will keep paying it down until we actually have the agreement honored and pay what the implied- verbal contract is. We want to pay them what we owe them in full, not more.
Product: Debt collection

To LVNV Funding LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX -- XXXX ( {$430.00} ) Account # XXXX -- XXXX ( {$1100.00} ) ( This is the 3rd Letter Sent To Your Company ), prior 2 certified letters. 

RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. 

This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account numbers XXXX ( & ) XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Product: Credit reporting or other personal consumer reports

To Whom

It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became a
ware of the breach of my personal information through the XXXX XXXX breach, which has exposed my sensitive data to unauthorized individuals.The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open EXPERIAN** XXXX XXXXXXXX Account # XXXX Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account XXXX XXXX Balance XXXX {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open XXXX  Account # XXXX  Balance : {$XXXX} Date Opened : XX/XX/XXXX Account Status : Open UNAUTHORIZED INQUIRES Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally submit a complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding the submission of misleading/false affidavits to the court in my case, which I believe violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The affidavits in question contain false and misleading statements. To date the individuals who signed these documents had no knowledge of my case and were never contacted or consulted regarding the details of the matter. This lack of involvement raises serious concerns about the accuracy and validity of the information presented. 

These misleading affidavits not only contravene the FDCPA 's prohibition against deceptive practices but also represent an unfair practice that undermines my right to dispute the validity of the debt. Submitting affidavits without proper investigation or verification creates undue pressure on consumers and erodes trust in the debt collection process. 

I am particularly alarmed by the potential for individuals to lie under oath in their statements to the court. Such behavior undermines the integrity of the judicial process and raises ethical concerns regarding the practices of these firms. 

I seek compensation for the damages incurred as a result of these misleading actions and intend to pursue this matter in a court of law. I urge you to take this complaint seriously and investigate these practices thoroughly, especially considering XXXX XXXX XXXX ' documented long history of similar violations. 

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

Sincerely, XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source Receivables Management, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, Source Receivables Management failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. 

Furthermore, Source Receivables Management 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. 

Additionally, XXXX and XXXX XXXX inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. 

It is imperative that Source Receivables Management, XXXX, and XXXX rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging records? Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below because I do not own this : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports and noticed an unauthorized account furnished on my credit report. XXXX XXXX  account opened XX/XX/2013 ending in XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account. Block and remove it. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning services did not do a fully investigation on the following fraudenlent accounts Banks that were open up fraudenlty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**************** WARNING FCRA VIOLATIONS***********XXXX FORMAL DISPUTE OF CREDIT REPORT ERRORS DUPLICATE REPORTING & RE AGING OF ACCOUNT - FCRA VIOLATIONS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) REGARDING : 1 ) SPRINGOAKS CAPITAL, LLC ( original creditor : XXXX XXXX XXXX 
XXXX ) XXXX XXXX ) XXXX SUBJECT : FORMAL DISPUTE AND COMPLAINT of CREDIT REPORT ERRORS - DUPLICATE REPORTING & RE-AGING of ACCOUNT - FCRA VIOLATIONS Dear CFPB, I am writing to formally dispute and make a complaint of the inaccuracies on my credit reports as furnished by both XXXX and XXXX and Spring Oaks Capital , LLC ( original creditor : XXXX Bank ). 
Account XXXX. 
The information reported contains duplicate reporting, account re-aging, and multiple violations of the Fair Credit Reporting Act ( FCRA ) that require immediate investigation and correction. 

Summary of Discrepancies, Errors, and FCRA Violations Duplicate Reporting : The same account number is reported under XXXX different names, which constitutes duplicate reporting. A direct violation of FCRA 1681s-2 ( a ) : - XXXX reports the account under " Spring Oaks. '' - XXXX reports it under " SPRINGOAKCAP ( XXXX XXXX : XXXX XXXXXXXX XXXX ). '' This practice unfairly inflates my debt and negatively impacts my credit score by treating XXXX account as XXXX separate delinquent accounts. 

Reaging of the Account : There are inconsistent and conflicting dates reported between XXXX and XXXX, which indicate an attempt to re-age the account in violation of FCRA 1681c ( a ) ( 4 ) : 1. Date of Last Activity is inconsistent : - XXXX lists the last activity as XX/XX/XXXX. 
- XXXX lists the last activity as XX/XX/XXXX. 

XXXX. Date of Last Payment is inconsistent : - XXXX reports the last payment date as XX/XX/XXXX. 
- XXXX does not report a last payment date. 

The first delinquency date is XX/XX/XXXX, meaning the account should fall off my credit report by XX/XX/XXXX at the latest. However, by changing the " date of last activity '' to a much later date ( XXXX ), the furnisher is attempting to re-age the account, which unlawfully extends the time it remains on my credit report. 

Other Discrepancies and Errors : - Account Status discrepancies : - XXXX lists the account as Open and in Collection/Charge-off status. 
- XXXX lists the account as Derogatory and in Collection/Charge-off status. 

PAYMENT HISTORY DISCREPANCIES : XXXX STATES THAT I HAVE MADE XXXX  % OF PAYMENTS ON TIME, WHICH CONTRADICTS THEIR OWN CHARGE -OFF STATUS AND ON TIME PAYMENTS NOT REFLECTED IN THE ACCOUNT BALANCE THEREFORE I AM FORMALLY REQUESTING TO PLACE THIS ACCOUNT AS PAID. **** Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, 2020 Capital One reported my Balance of approximately XXXX to the Credit Bureaus as the Closing Balance and Usage Rate for XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score as XXXX from XXXX. 

On the XXXX of XXXX, 2020 I disputed my Credit Score. XXXX  referred me to the Creditor Capital One. 

On the XXXX of XXXX, 2020 Capital One refused to Report the actual Closing Balance of XXXX, XXXX, 2020 which was XXXX. 

On the XXXX of XXXX, 2020 XXXX  disclosed my Credit Score of XXXX from XXXX. 

On the XXXX of XXXX, 2020 ; I filed a Complaint with the Consumer Financial Protection Bureau against Capital One for reporting my Balance on the XXXX of XXXX, 2020 as my Closing Balance and Usage Rate for the XXXX of XXXX, 2020. Complaint Number XXXX - XXXX. 

A particular Credit CardXXXX line of Credit ; closes on the XXXX of each month. On XXXX, XXXX, 2020 my Balance was XXXX and on XXXX, XXXX, 2020 the Creditor reported my Usage Rate as the Balance on XXXX, XXXX, 2020 of approximately XXXX and even though I received a letter during approximately XXXX, 2020 that the Creditor might report any given Balance of a Proceeding Cycle for the Closing and Usage Rate of the previous Cycle ; I thought that the Creditor was mistaken ; since alterations of the Closing Balance is possibly illegal. 

On the XXXX of XX/XX/2020 Capital One did Respond to my Dispute through CFPB, but with the Closing Balance of XXXX, XXXX, 2020 ; when the Dispute is of the Closing Balance of XXXX, XXXX, 2020. 

THE COMPANY 'S RESPONSE INDICATES THE CLOSING BALANCE DURING THE MONTH OF XXXX, 2020. THE COMPLAINT IS IN REFERENCE TO THE CLOSING BALANCE AND USAGE RATE DURING THE MONTH OF XXXX, 2020. 

THE COMPANY 'S RESPONSE OF MY CLOSING BALANCE DURING XXXX, 2020 OF XXXX. IS CORRECT, HOWEVER THE COMPLAINT IS OF THE CLOSING BALANCE AND USAGE RATE DURING XXXX, 2020 WHICH IS NOT CORRECT. THE COMPANY REPORTED 42 % USAGE RATE OR {$420.00} DURING CLOSING ON XXXX, 2020, WHEN THE ACTUAL BALANCE DURING CLOSING ON THE XXXX OF XXXX, 2020 WAS 29 % OR XXXX. 

On the XXXX of XXXX, 2020 Consumer Financial Protection Bureau closed my Dispute. 

On the XXXX of XXXX, 2020 XXXX  has modified Records.
Product: Mortgage

I am a decorated XXXX XXXX veteran who is tax exempt. Notified the Mortgage company last XX/XX/XXXX yet they paid my taxes anyway. ( took six weeks to get the money back ) Then they lowered my payments to exclude taxes. Last week they paid my taxes again even after being told by the local tax collector not too and put my escrow account in default. Spoke to them on the phone emailed them sent them all of the documents to no avail. Was told by them last Thursday that I am responsible for the escrow deficit. They will not stop paying taxes even the fact that there is not enough money in the escrow account. I do not have the money to make that up and they are going to raise my mortgage payments to make up for the taxes that I do not owe. I do not know how to stop them. Need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was reported. THey asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, also they sent me a fraud packet which I filled out and returned. Thus far there account has been deleted from all my credit reports except from Equifax. This account recently re reported to Equifax on XX/XX/2022 for {$370.00} which is inaccurate information because this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

So Ive had a Cash App account for about 10+ years I originally I stayed in my hometown, which is for after a while I fell on hard times, but I decided to travel and do landline. I did not have an actual address to transfer my account too so as I did for a year, Ill never want to use my account without you know using proper way. I only used it to transfer money then they locked my account which was about two or three years ago and since Ive been in my new place, which is Nevada, they still refuse to unlock my account stating that it was some sort of fraudulent activity. When in fact, I told them this is becauseI in fact this homeless did not have an address ive always provided them with accurate information and when I was able to remember or recall that I needed some sort of answer instead of just accepting I would reach out to them and there has been an ongoing case open for about three years sometimes he would take him eight months to reply back to something I stated a year ago or something of that nature, and when I do provide them with the accurate information as of now I am a little bit more stable. They still deny my claim and will not give me accurate information on what exact protocols am I not fighting by my Cash app has been locked for about 3 to 4 years possibly longer and Im not understanding why as Ive always been using my cash app and putting money in it, take money out and using it in the correct mail. I did provide them with bank statements recently within the last couple of months, and they still denied my claim stating that I was not the address was not accurate even though in clear photos, you can tell that the address is