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

This letter was sent to capital one due to some inconsistency of reporting on my credit card account ending in XXXX. I was charged late fees on an account already closed and I had no notification whatsoever. The company doesn't want to reverse the entry, meanwhile I've desperately tried to get their attention on this matter since it has caused so much stress on me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX Phone # : XXXX Capital one Bank Credit Bureau Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Account # XXXX CASE ID : XXXX To whom it may concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Capital one for many years. During the course of our business association I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, last week something strange happened. My account was reported 30 days late due to an unforeseen circumstance. In fact, the account has been closed for a couple of months now, but there was a balance reported on it around XXXX of this year surprisingly for a XXXX account in the amount of {$1.00} XXXX. I completely paid off this balance on XX/XX/XXXX ; little did I know that I was being charged again for some kind of interest on purchases for {$18.00}. I would like to reiterate that the account is closed so I have no way of receiving notifications unless something is reported to the bureaus. So last week that amount was reported late for a total of {$73.00} including late fees and interest again. However Ive taken care of this balance on XX/XX/XXXX and the account is now at XXXX again. I made sure to fulfill my obligation to ensure your company suffered no loss whatsoever. My account had never been late throughout the years of my relationship with the bank. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now this late payment on my credit report has caused a tremendous amount of stress for me and my family. Im in the middle of closing on my first home but the negative remarks have swindled the process sideways. 

This is where my goodwill request comes in, I desperately need to close on this house and I would be extremely appreciative if you would please complete a UDF-Universal data form and fax to the credit bureau to remove that entry. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how I had an account with you. 




Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. Im writing in regards to my credit profile. Ive noticed some fraudulent accounts that I did not authorized. I am a victim of identity theft. I recently notified the FTC and completed a affidavit. The items that are not mine and should be deleted are listed below. 

According to the FCRA there are laws put in paced to protect consumers to ensure accuracy and fairness. According to the FCRA you are in violation of law 15 U.S. Code 1681c2. It has been well over the allotted time frame of 30 days since receiving my dispute letters. I have not been able to get this resolved with the credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update these erroneous account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

This account is an adverse item they are reporting again without my permission which is against the law. * Truist is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. Truist, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX never informed me of my right to exercise my non disclosure. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Vehicle loan or lease

CarMax financial took a double payment from my checking account, I was charged {$170.00} in overdraft fees as a result. CarMax Auto Finance returned {$35.00} for the fee they caused, but they also caused me a additional, {$140.00} in fees. I have provided them a bank statement. One manager approved the request, the account department denied it. The servicing of my loan has been extremely poor and uneithical. I am asking for the {$170.00} to be applied to my XX/XX/2019 payment instead of money being sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent numerous letters to Experian, XXXX, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the XXXX Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that has been reported on my credit report. I have reviewed my credit reports from XXXX, Experian, and XXXX, and I have found several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and should be addressed by the credit bureaus. 

Account Information : The accounts are reported as being closed by XXXX and Experian, but XXXX reports them as open. This inconsistency in the account status makes the information inaccurate and incomplete. 

The status of the accounts is reported as XXXX XXXX XXXXXXXX and Experian, and as Late 120 Days on XXXX. The status should be consistent across all three reports. 

Discrepancy in Dates of Last Activity : XXXX shows the last activity date as XX/XX/year>, while Experian reports XX/XX/year>, and XXXX lists it as XX/XX/year>. These conflicting dates show that the information is not being accurately reported. 

Failure to Reflect Dispute Status : Experian and XXXX correctly mark the accounts as disputed by the consumer, but XXXX does not reflect this dispute status. This violates my rights under the FCRA, which mandates that disputed information be clearly marked as such. 
Requested Resolution : I have made several attempts to dispute these discrepancies, but the accounts remain on my credit report with conflicting information. As a result, I am requesting that these accounts be completely deleted from my credit report. I am not requesting updates or corrections to the information ; I believe the accounts are inherently inaccurate and should be removed entirely. 

Actions Taken : I have reviewed my credit reports and confirmed the discrepancies. 
I have initiated a dispute process with the credit bureaus ; however, the issues remain unresolved. 
I am now seeking your assistance to resolve the matter by removing the inaccurate accounts from my credit report. 
Please investigate these discrepancies and remove the accounts from my credit report, as they are not accurate and can not be verified in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
Product: Credit reporting or other personal consumer reports

I have XXXX inquires on my credit from someone using my name to try n purchase a house. I will contact the other credit bureaus for fraud protection and put a freeze on my account myself I would like help removing these inquiries please. I have know idea where they are coming from
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen and has been being misused. The name of the individual that has misused my social security # is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX  The following accounts need to be removed immediately. It is fraud!!! 

XXXX/XXXX  XXXX XXXX {$570.00} Opened XX/XX/2018
Product: Mortgage

I recently checked my credit report & found that the XXXX motgage on my house was listed as closed. I spoke with the credit bureau, XXXX, & the representative pledged to work on it. I then called Green Tree, the mortgage company. They gave me very vague information as to why this mix-up has happened & the status of my loan. Basically, I was told that since I had a Chapter XXXX bankrupcy XXXX years ago, even though I did not include this mortgage in it, that XXXX XXXX XXXX, the company that held my mortgage at the time, failed to get a " letter of affirmation '' that this mortagage would be excluded. This, they said, should 've been done while the bankrupcy was still open. I was also told that if I paid-off the mortgage, I would n't get the deed to my house because of this & also I would not be able to sell the house. I have made timely monthly payments to Green Tree for the XXXX years since my bankrupcy, but they say they wo n't report this to the credit bureaus until I reopen my bankrupcy filing & they can get that letter of reaffirmation. Even then, they wo n't report my timely payments for those XXXX years, but just from the date that letter is received. 
Since they acknowledged it was a mistake by my mortgage holder, it seems unfair that I should bear the burden of reconnecting with my bankrupcy lawyer ( who is XXXX miles away & very bad about calling back & following-up, by the way ), spend XXXX of dollars to reopen the bankrupcy, & suffer having other debt problems simply because of that reopening. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of Experian 's Protect My ID identity theft protection and have been for a number of years. 

My problem started a week ago when I got an email from Experian telling me that my account has been updated. ( I did not update anything in my account ). 

So I click the link to log in and the Experian system doesn't know who I am. Says it doesn't know anyone with my email address. 

See below. 

I attempted to log in, reset my password, made phone calls to 10 different numbers associated with Experian. The computer answers the phone and most recent said my wait time was between 8 and 12 minutes. After 1 hour I hung up. Nobody ever answers the phone or replies to my emails and I never get the password reset link. 

I need to get this straightened out.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a credit building loan with self and also a prepaid credit card that had fraud on it. Ive contacted the merchants multiple times about the fraud on the credit card. I no longer wanted the loan anymore and told them that, it wasnt worth it anymore and h was told I can cancel at anytime with no penalty and get my money back that I put into the loan. Now this this is on my credit as bad debt and I want it removed from all three credit companies
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX. Despite my diligent efforts to address and resolve this issue, XXXX has failed to provide verifiable evidence supporting the late payments they continue to report. This misinformation has caused substantial harm to my creditworthiness and financial stability. 

I took the proper steps to dispute the reported late payments and requested a thorough investigation from XXXX. However, during my communication with their representatives over the phone, I was informed that they are unable to verify the accuracy of the reported late payments. They admitted that their records are limited to basic account summaries and statements, and they lack the necessary documentation or systems to conduct a full investigation. Despite this, the incorrect information remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that the information they report is accurate and verifiable. If they can not verify the accuracy of the information, it must be promptly removed from my credit report. XXXX failure to meet these standards is a clear violation of my rights as a consumer. 

The continued reporting of these inaccuracies has significantly impacted my life by : Hindering my ability to secure employment, particularly for positions that require comprehensive background checks. 
Preventing me from obtaining a mortgage to provide a stable home for my family. 
Limiting my ability to access future credit opportunities to rebuild my financial stability. 

As a dedicated professional employed with XXXX XXXX and XXXX XXXX and the primary provider for my wife and young daughter, these inaccuracies create unnecessary and unfair obstacles for my family and my career aspirations, including my upcoming training at the XXXX XXXX in XX/XX/year>. 

I respectfully request that the CFPB : XXXX. Investigate XXXX XXXX XXXX properly investigate my dispute and verify the accuracy of the reported information. 
XXXX. Require XXXX to provide concrete evidence supporting the reported late payments or delete the unverifiable information from my credit report immediately. 
XXXX. Ensure that XXXX complies with FCRA standards to protect consumers from the consequences of inaccurate reporting. 

Enclosed, I have included copies of my written dispute, any correspondence with XXXX XXXX and additional supporting documentation. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure this matter is resolved fairly and that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was not included in the class action lawsuit settlement. I had a XXXX XXXX XXXX  account with Wells Fargo from XXXX to the present time and I have used the ATM in many occasions. I just learned that there was a class action lawsuit and that account holders during the time frame I mentioned were entitled for compensation due to incorrect fees incurred while using ATM and such.
Product: Student loan

I don't have all the dates, but I have received a student loan from sallie Mae which then turned into The Department of Navient. Also I was making payments and when the total was not being decreased also a representative explained that I should apply for forbearance, what I did not know is that this was making matters worst because this was adding on more debt it was like I was starting the loan all over again. Also I noticed that the department of Navient is on my credit report twice. .They call me also email me telling me that I should reapply for another forbearance loan.
Product: Credit card or prepaid card

Today on XXXX XXXX I spoke with a Supervisor of the name of XXXX # XXXX. I explained to XXXX of an offer around the XXXX Holiday. When approved of new credit line of credit, a XXXX credit will be added to your bill. XXXX refused to stand by the offer an said he can only do XXXX credit only because that was the only offer they have current now. I told him I couldnt settle for that. I was promised XXXX credit around the XXXX holiday. I than spoke with XXXX Comenity Bank Care, she said they never offer XXXX credit it has always been XXXX there nothing she can do. I told XXXX am not here to Argue, please do what right an credit XXXX for opening a new account. I put my credit score on the line Believing that I would be getting a {$25.00} credit. I then asked the agent to please give me a Victorias Secret corporate office so I can get the issue resolved and I was giving the wrong number I am very disappointment and when this is all over please close my account. The experience I receive with this company was bad and I was made to believe that I was lying and trying to cheat the company out of {$25.00}
Product: Credit card

I received a credit card offer from American Express for XXXX points after spending {$5000.00}. I was approved and spent the money according to terms. I did n't receive the points. American Express has refused to grant the points saying that I hold another credit card and not eligible. The offer was sent to me and now they refuse to honor the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has ignored my request to delete in accurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Equifax. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

hello there, yes, I had cleared up a 2016 negative balance that was in my checking account last, and the month of XX/XX/XXXX payments, last month I had wanted to open a new account with the same bank, and several others they told me they was unable, because it was a fraud issue.
Product: Credit card or prepaid card

I payed XXXX  $ to a capital one credit card accidentally from my XXXX XXXX XXXX bill pay. It was a card that is paid in full and no longer active. I never deleated it and clicked it accidentally. I have records from my XXXX XXXX XXXX  showing the transfer of funds.

I have been calling Capital One for 1 month now They refuse to return funds.

XXXX XXXX XXXX