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

My personal information was impacted by the Equifax data breach which is in violation of 15 USC 1681. As a result I have been victim of identity theft and accounts have been open in my name using my information. I have contacted consumer reporting agencies in regards to this and they have failed to remove the items that do not belong to me which is illegal. Alo this account shows as a charge off whivh is income and income is not reported on consumer report.

This account is also reporting without address and phone number to contact them which is violation of the fair credit reporting act. I demand this is removed immediatly for a number of resonses. Account that do not belong to me is as follow, which is impacting me greatly and stopping me from getting credit extended : XXXX XXXX XXXX Balance {$7600.00}
Product: Debt collection

I am filing this complaint regarding Capital One 's continued attempts to collect a debt that I am completely unable to repay due to severe financial hardship. The balance in question is {$2300.00} for an account ending in XXXX. 

Capital One closed my card without notifying me, and when I informed them that I was unable to pay, that was the last communication I had with them. Despite my financial situation, Capital One continues to send me emails demanding payment. I want to be clear : I do not have any money to pay this debt, and I will never be able to repay it. 

I previously filed a complaint with the CFPB, and Capital One responded by asking for more information, specifically which account was in question. They also mentioned that they tried to contact me but were unable to reach me at the phone number they have on file. However, they already have all the necessary information regarding the account and the balance.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, I am requesting that Capital One immediately cease all collection activities, including emails and any other forms of communication. Their continued attempts to collect this debt are not only causing undue stress but are also futile given my financial situation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that this debt be removed from my credit report due to my inability to pay. It is unfair and harmful for this debt to remain on my credit report when there is no possibility of repayment.

I am seeking the CFPBs assistance to ensure that Capital One complies with federal laws, stops all collection efforts, and removes this debt from my credit report. I need this situation to be resolved as I simply can not endure any more of this stress.
Product: Credit card

I opened a Barclay Card under a promotional offer that I received for a statement credit with a {$500.00} minimum purchase and 12 Months 0 % interest financing on purchases and balance transfers. 

I made hte purchases and received the statement credit but have started to receive interest charges on my card for the first two cycles. I have contacted them multiple times to investigate and each time I end up talking to a supervisor and they state they will submit a case and it will take 5-7 days to resolve and that I may receive a reply to the case. If not I should call back. 

I have now called back 3 times and each time feel like I am given the run around. 

The card offer online is very clear and can be found here XXXX The offer reads : " Purchase and Balance Transfer Rate 0 % Introductory APR for the first 12 months on purchases and 0 % Intro APR for 12 months on each Balance Transfer. '' My current case that was opened today is case # XXXX My previous case number was XXXX.
Product: Checking or savings account

On XX/XX/2023. I received emails from Bank XXXX XXXX saying that online bank accounts were opened. I did not open and do not want to open an account with Bank XXXX XXXX. I checked the bank account email exchange and it appeared it could be real. I did not click on any of link just in case. However, I did an independent search and tried to call Bank XXXX XXXX XXXX department. The number I called is XXXX. Once I called they asked for my telephone number, a card number or an account number. I dont have an account with them so I dont have an account number or card number. I put in my mobile telephone number which did not result me in speaking with anyone. Instead, the system said I didnt have enough information and hung up. I called back and the same thing happened. On XX/XX/XXXX I received a email asking me to verify my email which I did not click on it. Please help!
Product: Debt collection

TSI is the latest perpetrator of this scam adding false information to my credit report. I successfully get this removed. Then 5,6 or 7 months later it reappears. With new dates so as to have the most impact on my credit report. A practice I have come to understand is called rebirthing. Is this legal?
Product: Credit reporting or other personal consumer reports

I was informed about a negative report on my credit history for a late payment from an institution that I have no knowledge of. I never received any bills., statements or delinquency letters from this institution. I have no knowledge who that is.
Product: Debt collection

Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
Product: Prepaid card

I received an Amex eGift Card and I can't use it. I've tried in countless vendors in person and online as well. I resorted to using this on XXXX, and can't even use it to purchase things of less than {$10.00}. 

There are hundreds of thousands of people facing the same issue, as can be seen when you simply search this on XXXX. This is ridiculous, and unbelievably frustrating I can't believe how much time I've spent just trying to use this gift card.
Product: Debt collection

I was the victim of XXXX XXXX. Someone used my identity to apply for an apartment in XXXX  ( I live in XXXX  ). The apartment group tried but was unable to collect an application fee, and passed the debt along to a debt collection agency ( National Credit Systems ). XXXX  filed a delinquent account on my credit report without ever contacting me. I found out at the end of XXXX and was in contact with XXXX from the beginning of XXXX. I submitted the documents they requested to prove my identity and residency. I have received no communication back since those documents were submitted. I have called repeatedly and either been told the agent was unavailable ( never returned messages ), was given vague " we'll look into it '' answers without a timeline, or hung up on. XXXX is holding my credit XXXX and preventing me from applying for a loan or anything else I may need to use my credit for. They have not provided a timeline or clear path they will take to resolve this XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 23 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

This is my second time disputing and requesting information from the credit agencies and the company involved. I attempted to dispute this with XXXX and XXXX, but neither credit reporting agency is providing any information that I've requested other than to verify my name. ( XXXX confirmation # XXXX, have not heard back from XXXX ) I have asked for a bill/invoice with a breakdown of all charges, as I have not done business with the company ( NCS ), and am not about to pay them {$2600.00} simply because they have my name. National Credit System continually updates my credit report as 'dispute resolved ' without providing what I've asked for. Simply verifying my name is not a bill or a breakdown of charges owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times for reporting inaccurate information and issue with my accounts, so it comes to my attention that the reason Experian is refusing to remove the inaccurate bankruptcy information from my reports is because they have two of my accounts that are charge off labeled as bankruptcy and they were never a bankruptcy. The two accounts that I am referring to are listed below : XXXX XXXX XXXX XXXX CLOSED CHARGE-OFF {$6600.00} : XXXX XXXX ACCOUNT CLOSED CHARGE OFF BALANCE LEFT WAS XXXX EXPERIAN HAS STATED ON SEVERAL OCCASIONS THAT THIS WAS FIXED, BUT ITS NOT WHEN YOU LOOK AT CREDIT REPORT IT STATES CHARGE OFF BUT WHEN SOMEONE INQUIRIES ABOUT. MY CREDIT IT STATES THESE ACCOUNTS ARE BANKRUPTCY WHICH IS INACCURATE THEY HAVE NEVER BEEN IN BANKRUPTCY AND THIS IS HARMING MY CREDIT. BECAUSE THEY ARE ALSO REPORTING BANKRUPTCY IN MY PUBLIC RECORDS 2 TO BE EXACT THAT THEY HAVE REFUSED TO REMOVE. AND I WOULD HAVE NEVER KNEW THIS IF AN EXPERIAN CUSTOMER SERVICE REP DIDNT VERIFY WITH ME UNTIL XX/XX/XXXX THAT THIS WAS THE ISSUE. BECAUSE THEY ARE CAUSING SO MUCH HARM TO MY CREDIT I FILED A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE WHICH I WILL ATTACH TO THIS COMPLAINT THAT EXPERIAN HAS REFUSED TO FIX THIS INACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the Equifax breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time
Product: Credit card or prepaid card

On XX/XX/XXXX, I decided to start making payments for a future cruise on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXs scheduled to depart on XX/XX/XXXX from XXXX XXXX. I made payments to XX/XX/XXXXXXXX XXXX bi-weekly for {$100.00} each below are the dates that payments were made for a total of {$1300.00}. The payments I made should have been paid to XX/XX/XXXX XX/XX/XXXX  XX/XX/XXXXs but never received since XXXX XXXX owner of XXXX XXXX XXXX chose to use other credit/debit cards that were fraudulent while keeping the funds I sent her for herself. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX cancelled all reservations. Attached is the cancellation notice, letter confirming fraudulent activity and Federal Bureau of Investigation ( FBI ) complaint confirmation. I am requesting all listed amounts to be refunded to my account with Netspend. Thank you for your quick help in this matter. 

I am providing additional information to dispute the following transactions : {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX TOTAL : {$1300.00}
Product: Debt collection

[ XXXX XXXX ] [ XXXX ] [ XX/XX/year> ] Credit Collection Services [ Agency Address ] [ City, State, ZIP Code ] Subject : Debt Validation and Cease Communication RequestAccount Name : [ CREDIT COLLECTION SERVICES ] Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692. I also invoke my rights under the Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 ( g ).

Under 15 U.S. Code 1681 ( e ) & ( i ), I demand that you provide all relevant documentation to verify the validity of this debt. This includes, but is not limited to : The original signed credit application or contract bearing my signature. 

A detailed account history, including all payments made and any additional fees assessed. 

A clear explanation of how the alleged balance was calculated. 

A copy of any judgment, agreement, or contract binding me to this debt. 

Documentation showing that your agency has legal authority to collect this debt. 

Additionally, under 15 U.S. Code 1692 ( g ), you are required to provide me with a written validation notice containing : The amount of the alleged debt.

The name of the original creditor.

A statement of my rights to dispute the debt within 30 days.

Furthermore, per 15 U.S. Code 1692 ( c ), I am exercising my right to request that you cease all communication with me regarding this matter, except as required by law. Any further attempt to collect this alleged debt without providing the requested validation will be considered a violation of federal law.

Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715,719, your failure to provide the requested proof within the legally mandated time frame will be taken as your admission that no such proof exists and that no such debt is valid. 

If you are unable to validate this debt, you are required to remove any negative reporting related to this account from my credit file with all reporting agencies, in accordance with the FCRA. 

Please provide your response in writing within 30 days of receiving this letter. Failure to do so will result in me pursuing all available legal remedies to enforce my rights. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

I.C. Systems IncXXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Reference # XXXX XXXX has been sending me collection notices in the amount of {$720.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I telephoned XXXX XXXX credit and requested to close the account. I also requested the total amount due and paid that amount via a debit card. The representative DID NOT tell me that there was a late fee and did not include that amount in the total amount due. I paid {$160.00} and assumed the matter closed. I never received any communication of any kind from XXXXXXXX XXXX credit. I moved across town but submitted a forwarding request with the U.S.P.S. and all other mail has been forwarded to my new address. 
This matter only came to my attention when applying for a home loan and seeing my credit report. My credit had dropped almost 100 points and this was the only negative item on the report. In XX/XX/XXXX my  score was XXXX, now it is XXXX! 

I feel XXXX XXXX credit intentionally failed to tell me about the late fee when I closed this account and has an internal policy of delaying processing payments in an effort to generate exorbitant late fees. They intentionally failed to make a good faith effort to notify me of the late charge. They have greatly damaged my credit!
Product: Checking or savings account

I am filling 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. Furthermore, I can not access my funds but the company manages to take my credit card payment with no issues during this outage. This situation raises concerns about consumer protection laws, and I request your assistance in investigation this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX Balance : {$54000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to XXXX, XXXX and Experian several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both Experian and XXXX and XXXX. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.
Product: Credit reporting or other personal consumer reports

Capital One N.A is reporting to the credit agency XXXX that I have a charge off account with them. It was ruled in a civil court ( XXXX XXXX XXXX CAPITAL ONE N.A ) that this account was open fraudulently and is of no responsibility to me. XXXX and XXXX are not reporting this charge off account on my profile but XXXX is and that is in violation of the Fair Credit Reporting Act to provide maximum accuracy within the accounts.
Product: Debt collection

I received a debt collection letter from Capio Partners LLC acct # XXXX dated XX/XX/2024. This bill had been paid in full to the hospital on XX/XX/2024. Capio Partners then placed a collections on my personal credit report. I contacted Capio Partners to inform them that they were inaccurately reporting a collection on my credit report. They asked I mail them a copy of the payment to a XXXX XXXX XXXX I did. I also emailed them proof of payment to XXXX separate email address that they provided. I followed up several days later to confirm that they received proof of payment and they confirmed that on XX/XX/2024 they had received proof of payment and would review my file. Today on XX/XX/2024 they have not removed this false collection from my credit report. I contacted them today XX/XX/2024 and again they acknowledged receiving proof of payment but have made no attempt at removing this false claim from my credit report.
Product: Student loan

A long time ago I paid off all my loans from school. They are still giving me a hard stating that I owe them money. The loans that I asked to study and go to were from XXXX XXXX. Im receiving mail from third parties stating that I owe money. When I try to call and speak to them. The only thing they tell me is you need to pay and theres no exceptions. In a rude and unprofessional way. My Wife and myself are really concern because we have home for my child and we are afraid they put a lean in are property. Ive been trying to improve my credit for the longest and clear this incorrect debt from student loans. Please assist as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX