23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted self about the fraudulent account and I was advised that the account would be removed form my credit report with 15 days almost a month ago
Product: Debt collection

XXXX XXXX incorrectly billed XXXX XXXX XXXX and XXXX XXXX of XXXX ( XXXX, with claims being administered by XXXX XXXX XXXX and XXXX XXXX ) for {$1100.00}. They paid initially and then withdrew the payment because they had my dates of coverage wrong. My plan with XXXX XXXX XXXX and XXXX XXXX of XXXX was terminated on XX/XX/XXXX. I was covered by XXXX XXXX and XXXX XXXX XXXX North Carolina after that. Finally XXXX XXXX and XXXX XXXX XXXX North Carolina paid the claim to XXXX on XX/XX/XXXX in the amount of {$260.00} which was the negotiated XXXX XXXX and XXXX XXXX rate as a participating provider. XXXX XXXX is still trying to collect the full debt of {$1100.00} via XXXX collection agency even though I have shown both of them proof that the claim had been paid by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They were uncooperative when explaining the situation and insisted that I was still covered with XXXX XXXXXXXX XXXX XXXX XXXXXXXX of XXXX at the time. They demanded that I needed to provide information on the coordination of benefits so that BOTH insurance companies would pay. I did not have dual coverage at that time. I disputed the claim and provided proof of payment but they will not stop collection proceedings.
Product: Credit reporting or other personal consumer reports

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accountsXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. You are in VIOLATION of the 15 US. Code 51692e- False or misleading representation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681o Civil liability for negligent noncompliance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

30 days should be enough time to get back with me. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$20000.00} Additionally, the following inquiry must be removed : XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Nordstroms /TD BANK USA XXXX XXXX has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX requested an unauthorized copy of my credit report from XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) On or around XX/XX/XXXX " CITIBANK N A '' with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX On or around XX/XX/XXXX " CITIBANK N A '' doing business as CitiBank with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX PA XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX, XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX DE XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX FL XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX ( Dealer Services ) requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " CITIBANK, NA '' doing business as Citibank with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX IA XXXX requested an authorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX On or around XX/XX/XXXX XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX "  XXXX '' doing business as XXXX with a corporate mailing address XXXX XXXX XXXX XXXX , PA XXXX requested an unauthorized copy of my credit report from XXXX , XXXX AND XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX BAY AREA CREDIT SERV XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX ( XXXX ) XXXX Subject : Debt Validation Request To whom it may concern, I am writing in response to a communication I received regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation of this debt. Please provide the following information : The amount of the alleged debt. 
The name of the creditor to whom the debt is allegedly owed. 
A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. 
A detailed statement of the account, including a breakdown of the amount owed, interest, fees, and any other charges. 
Proof of your authorization to collect on this debt. 
I request that you provide the above documentation before any further action is taken on this matter. Please note that until you provide sufficient validation of this debt, I will not acknowledge its validity or make any payments. I also would like to note the inconsistencies on the above account as it points out on one bureau the last date of activity was XXXX XXXX. But is reflecting XXXX XXXX on the other bureaus report. 
Additionally, please be advised that under the FDCPA, you are required to cease all collection efforts until you have provided the requested verification. If you are unable to provide proper documentation, I will expect that the debt be removed from my credit report and that no further collection activity takes place. 
Please send all correspondence regarding this matter to my address listed above. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have way to many inquires on Equifax that I never gave authorization to, I would like for the creditors to proved proof where i allowed them or said it was okay to access my report with out my knowledge or consent. I just graduated high school there is no need for me to have anything extra on my credit besides my secured card with XXXX  XXXX. I'm asking that the other collection please be removed for I am deciding to join college and would like for my report to be clean how I had it originally as a responsible teen thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection notice for {$59.00} from a Debt Collector named XXXX XXXX XXXX from car accident which occured on XXXX XXXX. I sought legal counsel and was told to forward any bills I received to my attorney, ( XXXX XXXX XXXX ), who would notify the creditor, that the bill is in litigation, and would be paid from my settlement with the insurance company. I forwarded the bill to my attorneys office when I finally received it 6 months later in XXXX of XXXX. I called the creditor and advised them that they should contact my attorneys office if they had any questions about the litigation status, and provided a women named XXXX from XXXX XXXX XXXX with my Attorneys contact information. I noticed the item was on my credit report and asked XXXX what would it take to be removed. She advised me once she confirms with my lawyer that its included in the settlement, or if I pay the {$59.00}, they would remove it from my credit report. She said she could no longer speak to me and would need to speak to my Lawyers office. In XXXX of XXXX, I disputed the collection with all three bureaus and XXXX and XXXX, were given the go ahead to remove the item from both reports ; however, XXXX claimed that XXXX XXXX XXXX electronically advised them not to remove the item. My lawyer advised me that even though XXXX advised it would be removed from all three bureaus after their conversation in XXXX, she told me to just pay the {$59.00} and ask for a Good Will removal, since they already gave XXXX  and XXXX the green light to remove it. On XX/XX/XXXX, my Attorneys office contacted XXXX XXXX XXXX to find out why the collection wasnt removed from XXXX after being told it would be, XXXX advised my attorneys office to have me make a payment and it would be removed. XXXX gave my attorney the website to make a payment but said I had to call to get the security pin to pay online. I contacted XXXX that same day, and she provided me the pin, and advised once the payment is made to have my Lawyer contact her and provide the reference number and they would have it deleted, she advised we could also leave the number on her voicemail. We left countless voicemails for XXXX since XX/XX/XXXX and we have never heard back from her. I disputed it again and with XXXX  and attached a copy of the receipt, but XXXX refused to remove the account and stated the creditor responded saying they havent received a payment. I am unsure what to do as this company has taken my money and hasnt removed the account from my XXXX  report, as they promised they would.
Product: Debt collection

I have no idea who this debt collector is. I have no accounts with this company and have never had any account opened with this company. Ive tried to dispute it several times and it has not been removed. 

Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$820.00} Balance updated XX/XX/XXXXXXXX  Recent payment $ XXXX Monthly payment {$0.00} Original balance - Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

A man claiming to be a Wells Fargo fraud representative called me on XX/XX/2023 and said the bank had noticed suspicious activity with someone in Virginia trying to withdraw funds from my account. He said he needed access to my account and asked me to move money from my credit card to my checking account so that Wells Fargo could address the attempted withdrawal. He said that they would make a transfer from my bank account to a person named XXXX XXXX ( I do not know who that is and Ive never heard of him ) and then put the money back in my account. I was told to transfer the money to a XXXX XXXX XXXX bank account. I have the account number and routing number for that transfer. 
He had access to my online banking and when I typed info on my computer, I would receive texts from Wells Fargo with access codes. After I finished the call, I felt suspicious so I called Wells Fargo right away. They told me no one from their fraud department had called me and I asked them to cancel the wire transfer and close that account. They said they would try to reverse the transfer but recently informed me that they could not reverse the transfer. I have also filed a local police report and a report with the FBI. The man called me again the next day to ask me to do another transfer but by then I knew it was not Wells Fargo so I told him I was aware of the scam and hung up.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

We got our washer and dryer through XXXX XXXX in XXXX, TX., and originally it was financed through GE Capital . Synchrony bank took the account over, and then sent it over to a debt collector. We did NOT receive notice of right to dispute, not have we ever received enough information to verify the ALLEGED debt. Honestly, we have not received a statement from them in over 5 years, 3 months now. I just got off the phone with them, and I asked them when the last time I made a payment was. The guy I talked to on the phone stated it was on XXXX XXXX, XXXX. 

THAT WAS AN OUT RIGHT LIE BECAUSE IT 'S NOWHERE ON MY BANK STATEMENT! 

THE LAST PAYMENTS I SEE FOR XXXX XXXX, WAS BACK IN XXXX, AND THAT 'S THE ONLY YEAR I SEE PAYMENTS FOR XXXX XXXX EVEN LISTED. The guy I talked to said that the amount was {$200.00}. SO, I SEARCHED FOR THAT AMOUNT ON MY BANK STATEMENS ON THE DATE HE GAVE ME, A {$200.00} PAYMENT WAS NOT LISTED ON THAT DATE, ANYWHERE IN THE MONTH OF XXXX. THERE WAS HOWEVER, A DEPOSIT {$200.00} MADE ON XXXX/XXXX/XXXX. 

THEY HAVE NOT BOTHERED TO GET IN TOUCH WITH ME IN OVER 5 YERAS NOW, NO CALLS, NO STATEMENTS, NO CONTACT WHAT SO EVER. TEXAS HAS A 4-YEAR STATUTE OF LIMITATIONS FOR DEBT COLLECTIONS, THEREFOR THE ALLEGED AMOUNT IS HEREBY TIME BARRED, WHICH MEANS THEY 'RE TRYING TO COLLECT ON A ZOMBIE DEBT, WHICH BY THE WAY IS ILLEGAL! FURTHERMORE, THEY HAVE EVEN ILLEGALLY RE-AGED THE DEBT TO THE CREDIT BUREAUS AS IF WERE NEW! 

AND, WHEN I CALLED THEM TODAY, I AKED THEM TO SEND ME STATEMENT COPIES OF EVERY PAYMENT THAT WAS EVER MADE, FROM THE TIME THAT I OPENED THE ACCOUNT IN XXXX, UP UNTIL NOW, AND THEY REFUSED TO DO SO! THEY TOLD ME THAT THEY COULD N'T DO THAT. WHY? 

BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THAT THEY CA N'T LEGALLY COLLECT IT? 

WHY CAN THEY NOT SEND ME STATEMENT COPIES? 

ARE THEY AFRAID THAT I MIGHT FINE OUT WHAT 'S REALLY GOING ON? 

LIKE HOW THEY ARE RE-AGING THE ALLEGED DEBT SO THAT IT CAN GO ON MY CREDIT REPORT? 

OR THAT THEY LIED ABOUT WHEN THE LAST PAYMENT WAS MADE? 

OR IS IT BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THEY CA N'T LEGALLY COLLECT THE ALLEGED AMOUNT THEY CLAIM I OWE? 

HMMM, SOUNDS A LITTLE FISHY TO ME!
Product: Prepaid card

I bought an American Express gift card for {$200.00} on XX/XX/XXXX. I used the card to make a transaction for the first time on XX/XX/XXXX and the transaction went through. I am now reading online that other customers had the same experience as me with these Amex gift cards where they are able to make a transaction with the card the first time and then never again. This has been my experience. The first transaction was for {$10.00}. I've made XXXX transactions since and they have all declined. I called the customer service number on the back of the card every time the card declined and the representative always advised me the same way " try again in 24 hours ''. They said it was declined for security measures and that they will lift them so that I can make the transaction again the following day. The first declined transaction was on XX/XX/XXXX ( for {$30.00} ), I tried again XX/XX/XXXX, declined ; I called Amex customer support ( which I'm learning is really a company called XXXX XXXX  that Amex outsources their gift card customer service to ) and told them about the decline, they said again to try again in 24 hours, I did, it declined and I called back. They told me to try a different vendor. I tried paying with the card on a different online vendor on XX/XX/XXXX ( for {$35.00} ). It declined. I called the customer service # on the back of the card AGAIN. They told me that the card can not be used for " fabric and notions vendors ''???? I told them that no one accepts this card and that I would like my money back since I can not use this product. The representative froze my card, took down my personal information, opened a case, gave me a case # and told me to call back in 3 weeks to follow up on the case. I called back on XX/XX/XXXX. The rep told me that I had called too soon and advised me to call back on XX/XX/XXXX. I called back to follow up on XX/XX/XXXX and was told that after an " investigation '' my refund request was declined and that the only thing to be done was to unfreeze my card and for me to try using it with other vendors. After arguing that I did not want to try with other vendors as it is especially embarrassing to have your credit card declined in-store, I agreed to have my card returned to active. I tried to make an XXXX purchase with the card on XX/XX/XXXX ( for {$86.00} ) and the card declined again. I called the customer service number again and asked for a refund, they told me to call back in 3 days. They refused to give me any information in writing by mail or email so i am not hopeful. I want my money credited back to the credit card I used to purchase the gift card or a refund check sent to me for the remaining amount that I can not spend using this card. There is {$180.00} still on this card that I want returned to me and I never want to deal with credit card gift cards again.
Product: Credit reporting

I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditors, XXXX and XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Product: Credit card or prepaid card

CapitalOne is violating the California Constitution usury laws maximum interest rate by charging a 28.49 % APR rate on a SECURED credit card in which I paid {$800.00} for only a {$1000.00} limit. 

Capital One is also charging a {$23.00} monthly INTEREST charge on their secured credit card. 

Capital One asks for a {$40.00} monthly minimum fee and then automatically takes out {$23.00} for a monthly interest fee making it very improbably that Ill ever be able to pay off my secured credit card with the income that I have reported. 

Limit Increases arent possible on Capital One secured cards. Capital One is using deceptive practices by giving the option for a limit increase and then denying all limit increases. 

If I choose to pay off {$40.00} monthly due to it being all I can afford, very little of my balance from CapitalOne ever goes down. Capital One even reported an inaccurate balance of {$1000.00} yesterday to XXXX when my balance is lower than that amount. 

CALIFORNIA CONSTITUTION ARTICLE 15 USURY SECTION 1. The rate of interest upon the loan or forbearance of any money, goods, or things in action, or on accounts after demand, shall be 7 percent per annum but it shall be competent for the parties to any loan or forbearance of any money, goods or things in action to contract in writing for a rate of interest : ( 1 ) For any loan or forbearance of any money, goods, or things in action, if the money, goods, or things in action are for use primarily for personal, family, or household purposes, at a rate not exceeding 10 percent per annum
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of Identity Theft, which has resulted in a negative impact on my credit history and ultimately my financial wellbeing. This has been hurting me as I am in the process of buying a home for me and my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and notice fraudulent account on my file. I would like that account to be deleted from my credit report.