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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX never lived here not my address in accordance with the Fair Credit Reporting act XXXX ; equifax ; XXXX has violated my rights. 

15 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
Product: Debt collection

Company is attempting to collect a debt I do not owe. XXXX XXXX breached my contract for insurance and did not provide coverage for my vehicle.
Product: Bank account or service

On XXXX XXXX, XXXX, I sent a certified letter XXXX return receipt received XXXX/XXXX/XXXX ) to XXXX XXXX XXXX, XXXX & XXXX of Capital One Financial Corp. To date I have not received a response from Capital One. The gist of the letter ( attached ) is that I was instructed to replace the Home Equity Line of Credit ( HELOC ) I had with Capital One as part of refinancing my first mortgage ( formerly with XXXX XXXX ) with them. My original HELCO with Capital One also served as overdraft protection to my checking account at Capital One. A feature I have always maintained was of utmost importance to me. As detailed in the attached letter to XXXX XXXX, after a month of receiving the run around from various departments regarding the overdraft protection status on my HELOC, I was told the bank no longer provides overdraft protection through HELOC! I could initiate transfers to cover any potential overdraft, but it would not happen automatically. Three times, the online system to transfer money from my HELCO to my checking has failed to operate. After speaking to four people in two different departments, Capital One still failed to resolve the issue. I ended up driving to the branch to get it done in person. To date I have been charged {$210.00} in overdraft fees. This is AFTER completing the bank 's own HELOC Overdraft Protection form as part of the application process. In short, the bank told me to change my HELCO for a lower rate and continued overdraft protection, then they turned around and denied me the overdraft protection, claiming that they no longer offered the service effective XXXX. Almost a year after they gave me the forms to apply for the exact service they claim to no longer offer and which I had been using for years prior. 

Finally I am very surprised and disappointed that I never heard from Capital One. I knew the President would n't respond personally and is probably completely unaware of the fact that I sent a letter to his attention in the first place, but the policies, practices and procedures of Capital One throughout this entire process has been anything but customer friendly. I might as well bank at 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 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: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed my " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has a discrepancy in the " Date of Last Activity '' section of the listing. Transunion is reporting a date of XXXX. '' XXXX is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' Transunion is reporting * {$13000.00} XXXX * {$0.00} and XXXX XXXX. " PAYMENT STATUS '' Transunion is reporting LATE XXXX DAYS. XXXX is reporting CURRENT and XXXX is reporting LATE 120 DAYS. " LAST PAYMENT '' Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX " PAST DUE AMOUNT '' Transunion is reporting {$3000.00} XXXX is reporting {$0.00} and XXXX is reporting {$3400.00} XXXX  ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX FST XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX LAST PAYMENT Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX XXXX  ( XXXX XXXX XXXX XXXX ) has a discrepancy in the Date of last activity section. Transunion is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and XXXX is reporting a date of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of disputing a fraudulent account with AFFIRM LOAN SERVICES INC for over a year now. I have submitted two prior CFPB complaints and have submitted multiple forms of evidence, reports, and affidavits to Affirm regarding this fraudulent account but continue to have problems with this institution. 

Since XXXX of 2022, I have been in contact with representatives and supervisors from Affirm, providing any and all kinds of supporting documentation for the multiple disputes I have initiated and they continue to reject my claims and are still holding me responsible for an account that was opened fraudulently and without my consent. I contact Affirm almost every week and have spent hours on the phone trying to follow up on my case with them and their response is the same every single time ; they tell me that my dispute is being processed and that I should be receiving a email with the results of my dispute within 1-3 business days but every time I am relayed this information by supervisors and representatives, I never hear back from them via email. So I contact them again and again and the same pattern has occurred over 10 times and I have still not resolved anything with them. In this aspect, Affirm has provided the most pathetic customer service because I wait hours on the phone only for the call to get " disconnected '' or to be told the same baseless information and they have provided no results nor resolution for me despite my persistence and amount of evidence that I have provided for them. I need answers from Affirm. I have been waiting far too long for my most recent dispute investigation to be finalized. I am not the individual who opened nor benefited from this account and therefore I will continue to dispute this fraudulent balance that Affirm continues to report to XXXX. 


For consistency and evidence, I am uploading a Police Report, FTC Report, Affidavit, and notes of representatives and supervisors from AFFIRM that I have spoken to regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to Experian, XXXX and XXXX regarding a XXXX Account reporting on my credit report. It continually drops off and reappears displaying a balance of XXXX and balance dates, status dates continually changing from time to time. Its displayed as account status closed with a payment status as charged off. This is accurate information and this should be removed. I would like a letter of confirmation when completed as well. 
There is also a XXXX XXXX XXXX account that is not mine that is being displayed and I have submitted to be removed and again no resolution where it continually appears and reappears with revolving dates.
Product: Debt collection

Today, I received an income execution from the  XXXX   County Sheriffs  Department dated  XXXX / XXXX / XXXX , indicating that my wages are going to be garnished for an original debt amount of :  XXXX   due to Chase Manhattan b ank with an original judgement date of :  XXXX / XXXX / XXXX .  <P/> It also added an additional {$5600.00} for interest, {$620.00} for  XXXX , {$40 .00} 1rst stage and $ {$30.00} for 2nd stage, fo r a total due of : {$13000.00} payable to  XXXX   XXXX   XXXX   XXXX .   Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago!   In addition, the interest on this debt seems exorbitant and unjustified.   This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.
Product: Debt collection

This letter serves as my second warning before I take legal action against your company for its repeated failure to provide the requested information pertaining to alleged debts you claim I owe. I have previously requested validation of the following accounts : XXXX, XXXX, XXXX, and XXXX. To date, I have not received any response or the requested validation of these debts.
Product: Credit reporting or other personal consumer reports

XXXXSubject XXXX XXXX  Notification of Deleted Account from XXXX Credit Report and Request for Action by Credit Reporting Agencies Dear Credit reporting department , I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the credit reporting agencies of the recent deletion of a charge-off account from my XXXX credit report. The account in question is related to XXXX  XXXX and XXXX  XXXX XXXX and had a balance of {$13000.00}. 

On XX/XX/year>, XXXX completed an investigation of a dispute I filed regarding this account. As a result of the dispute, the account was deleted from my XXXX credit report. This deletion indicates that the information regarding this account was unverifiable or inaccurate. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the major credit reporting agencies ( XXXX, Equifax, and XXXX ) also investigate this account and remove it from my credit reports. Since XXXX deleted the account, it is clear that the information is no longer verifiable, and as such, the credit reporting agencies should do the same. The FCRA requires that information reported on credit reports must be accurate, complete, and verifiable. 

Specifically, I am requesting that you take the following actions : XXXX. Investigate the XXXX  XXXX and XXXX  XXXX XXXX charge-off account that appears on my credit report. 
XXXX. Remove the account from my credit report if it is not verified or proven to be accurate. 
XXXX. Complete this process within 30 days of this letter, in accordance with the requirements of the FCRA. 

As a consumer, I am protected by the following key consumer laws : - **Fair Credit Reporting Act ( FCRA ) ** : Under 15 U.S.C. 1681i, if information in my credit report is found to be inaccurate or unverifiable, it must be removed. The FCRA requires that credit reporting agencies ensure that the information they report is complete and accurate. 
- **Fair Debt Collection Practices Act ( FDCPA ) ** : Under 15 U.S.C. 1692e, if the debt is not verifiable, the creditor or debt collector is prohibited from reporting it to credit bureaus. 

If this information is not removed from my credit report within 30 days, I will consider pursuing legal action under the FCRA and FDCPA. These laws provide consumers with the right to file a lawsuit for damages, including statutory damages, actual damages, and attorney fees, if a credit reporting agency fails to comply with the law regarding the accuracy and completeness of information. 

I urge you to act swiftly in this matter to avoid further legal actions. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

When my GM Card transferred over to Marcus by Goldman Sachs, I received a new credit card agreement, so I looked up the associate reward program rules. The agreement says nothing about rewards expiring, and the program rules say they do not expire on an active account ( which mine is ). On my latest statement, rewards expired. When I called the help line, the rep says it is a " XXXX '' card, and is under a different set of rules. I ask to see the rules, and they are not available online, and they would have to dig up some rules based on the XXXX XXXX version of the card. I received a new set of rules with the new card, so why should the old rules apply? 

{$230.00} of points expired on my XXXX statement, and it says another {$220.00} will expire next month! 

I just want to keep my points. 

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

I wrote a letter to Bank of America dated on XX/XX/2019 and XXXX XXXX as a goodwill letter in reference to our mortgage account. We noticed in our credit report shows late/missing payments on the account. I sent a letter to Bank of America to let them know we have never been late on our mortgage payments. I asked them to correct the information on their end. However, I admitted on the letter that I will take responsibility for those so call late/missing payments-if they can remove it from the credit bureaus. Instead they wrote back indicating that their information is correct and to contact the credit bureaus to correct the issue. I feel this have been a mistake on their end and because of it we can not go forward in apply for a business loan due to Bank of America indicating we were late/missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX This is an ongoing abuse by Equifax. Once again, I tried to get my report on line as we do regularly with the other two services. The scenario is identical to what I have described below in previous complaints. My previous complaint to you appears below. this is excruciatingly predictable. I do not understand why you allow this to continue. Once I complain to you, they send the report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - The complaint below was filed with the CFPB on or about XX/XX/XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Product: Debt collection

We are sick and tired of getting phone calls when we have scheduled our car payments online within the grace period and we have never been 30days late, NEVER. 

We are new to Servicing Solutions and the car collections representatives fail to check the system before they harass you into making a car payment. I have asked for Supervisor after Supervisor after Supervisor to stop the phone calls, when there is a payment already scheduled for our car loans and yet the phone calls continue. 

My car payment was scheduled on XX/XX/2023 for the draft date of XX/XX/2023, I received telephone collection calls on XX/XX/2023, XX/XX/2023 and XX/XX/2023... THIS IS HARASSMENT SIMPLY BECAUSE Servicing Solutions representatives fail to read or review the appropriate system screen, IF THEY CALL ME AGAIN I AM GOING TO SEEK LEGAL ACTION...
Product: Credit reporting or other personal consumer reports

This company forced me to close my credit account with them because the requirement I sent to keep my account active was wrong. The document I sent to try to keep my account open was drafted by a notary public and it did not depend on me since I do not know the correct filling of the requirement that was requested. They did not want to give me additional time to send this requirement so that they would be satisfied. And now the report that they've sent It affects me
Product: Credit reporting or other personal consumer reports

There is a XXXX charge on my report under the name of XXXX XXXX that is not mine. I have been a XXXX costomer for years and they can verify the account is not mine. When i told XXXX they said they have nothing to do with this because they didnt do it they say experian did it. I have filed disputes with experian and they do not help me. I am so distraught to know someone elses negative accounts can be added to mine just like that. It is not my charge off. please help me. I take very good care of my credit and this is really affecting my mental health.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of 1974, I have reached out to the credit reporting agency and they have been ignoring me. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX  XXXX class action lawsuit. All loans from XXXX XXXX were paid in full in XXXX of XXXX. Since then, my fed loan servicer XXXX XXXX has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from XXXX XXXX once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info XXXX XXXX is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with XXXX XXXX, and these loans I have since started paying on, but I have received over $ XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pay XXXX XXXX and Midland Credit Management Inc. on numerous occasions and they could never receive my payments. Although my attempts were made, they still insisted on sending my bills and failed to resolve my problem as of XXXX/XXXX/2022.
Product: Credit card

I received a Home Depot credit card that I never applied for. Separately on XX/XX/year>, I received an Account Statement from Home Depot with a balance in sum of {$8100.00}. I immediately called Home Depot and reported FRAUD. Home Depot representative gave me a CASE ID number XXXX. I also disputed the Credit Card account to XXXX.
Product: Checking or savings account

I called my financial institution immediately after I noticed several unauthorized purchases on my account. While on the phone with the fraud department there was more transactions from the same merchant coming in. The bank was able to block these as my card was already turned off. They are now saying that these transactions are legitimate despite the fact I called immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding several inaccurate addresses listed on my credit report with the credit bureaus. These addresses are fraudulent, non-deliverable, and violate the Fair Credit Reporting Act ( FCRA ). To ensure my credit report accurately reflects my current address, the following incorrect addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX The presence of these incorrect addresses violates the accuracy requirements as per the XXXX XXXX format, specifically relating XXXX address fields which must be accurate and up-to-date ( XXXX XXXX Base Segment, Fields XXXX - Address, XXXX XXXX ). 

I have made previous attempts to resolve this issue directly with the credit bureaus, but the inaccuracies persist. The incorrect information adversely affects my creditworthiness and can lead to issues of misidentification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently pulled my credit report and noticed some unauthorized inquires reporting to my credit report. I need these inquires removed at once because due to FCRA anything reporting to my credit that is not accurate must be removed at once. The inquiries are listed in the letters attached below about the unauthorized inquires to each bureau. I do not won't to file for litigation but will if necessary. Thanks for your help with this effort.