23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Captial One credit card has engaged in unfair, deceptive and abusive practices on my credit card with it. 

When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee '', without warning. XX/XX/XXXX, the only other charge on this card was {$14.00} for a telephone service, which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016, before the due date. However, because Capital One charged me a " gotcha '' membership fee, in contradiction to its advertised no annual fee for this card, it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}, the entire balance on the card now, consisting mostly of these unfair charges, was paid today. Capital One should have this payment by tomorrow. 

Somewhat beside the point, I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However, it has gotten electronic, on-time payments regularly since the account was opened.
Product: Debt collection

I PULL UP MY CREDIT REPORT LAST WEEK I NOTICE I HAD 3 FRAUDULANT ACCOUNT ON MY REPORT. I WAS VITICM OF IDENTIY THEIF LAST YEAR I FILE A POLICE REPORT. THE ACOUNT ARE XXXX XXXX, TSI XXXX, AND XXXX   XXXX.
Product: Debt collection

A year ago I had a friend and her XXXX daughters on my XXXX account. My friend was able to get her own account. Her 3 phone lines and two new phones were supposed to be transferred to her. XXXX transferred the 3 phone lines, but not the phones. I spoke to XXXX quite a few times in XXXX of last year to get the phones transferred. I was then unavailable for the next 8 months. I suspended my account until I returned. When I returned, I was told by XXXX that my account had been cancelled due to a {$1900.00} debt. The debt was the phones my friend purchased. For 4 months I have been trying to get XXXX to transfer the phones to my friend, and remove the debt from my credit report. They have failed to do so. PLEASE, help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called the companies that that the bureaus alleged to have incorrect info and not the them - so I called to verify and they were not able to verify the wrong amounts reported, wrong open date of accounts
Product: Debt collection

I lived in XXXX XXXX, located in XXXX  under XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. I owed them {$12000.00} and paid it off through XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I moved out on XX/XX/XXXX. I applied to XXXX  and they agreed to help with my total unpaid rent owed beginning on XX/XX/XXXX. I kept the email from XXXX  and they sent it back to me for each month 's payment details. And, XXXX XXXX received the money and told me by email. Today, I was so shocked when I received an email from COLUMBIA DEBT RECOVERY LLC DBA GENESIS saying that I still owe XXXX  XXXX {$12000.00}, and the company is assigned to collect the debt. This is nonsense. Please help me with the situation.
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 confidentially under 15 USC 1681.15 U.S.C 1681 Section

602 A. states I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuent to the FCRA and the CFPB my rghts are clearly in violation and Im requesting tat tese accounts be removed at your earliest possible convience!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items. 
I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights. 

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX XXXX XXXX  - Under 15 USC 1666b Timing of payments You're required to obtain verification from the DATA FURNISHER. I need to see all the paperwork that proves you did an independent investigation. I need proof that you didn't just send an electronic response to the creditor. Reverse these inaccurate late remarks XXXX XXXX XXXX  - 15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX  15 U.S Code 1681b-Permissible purposes of consumer reports and 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to privacy - Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXXXXXX XXXX XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX - XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> Verify that these inquiries belong to me. - Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Verify that these inquiries belong to me. - Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis to let them know that I did not give them permission to share any information. I filed an initial complaint about them sharing information without permission. They claimed they could not verify my identity however they sent me a letter acknowledging they know who I am along with a PIN number and case number ( XXXX ) in case I would like to share my information in the future. This company is being deceptive in saying they can't verify who I am but continuing to share information and so called " verifying '' information for other companies. I have attached the letter they sent me because they continue to use my identity without permission. I'm sure they are aware of the damage they do to a persons reputation with their continued deceptive practice.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 or other personal consumer reports

To whom it may concern : I received a copy of my XXXX, Equifax, XXXX credit report, and noticed XXXX late payments that need to be deleted. It is as follows : Creditor Name : XXXXXXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below. 15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In
accordance with the written instruction of the consumer to whom it relates.

I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX, Equifax, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After the Equifax data breach, I experienced several challenges of my credit score being impacted, making it difficult to obtain credit at a fair interest rate. As a result, I got into debt, went through a period of Homelessness, and had to move. When I moved from CA to TN, I did not have the funds to hire a professional company properly and lost my personal belongings. Items can always be replaced, but when I think of the XXXX  and XXXX XXXXXXXX  of being financially deficient, there are not too many options to help make me whole again, but I am hoping that Equifax will do their best to write this wrong and provide me adequate remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate things on my credit report. To this day over 60 days later, I have not received a response. I feel like my disputes are being ignored, my rights are being overlooked and my I am being taken advantage of. Section 611 ( a ), states a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been well over 60 days so these inaccurate, false items should be deleted promptly. Some of the accounts listed do not even have account numbers attached to them. I demand these accounts be deleted immediately or I will file for litigation due to the stress this misleading report have caused me. Upon discovery of the inaccurate reporting, I practiced my right and sent letters to which I have been ignored. Equifax has also used stall tactics, claiming " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' have since sent them a letter with my picture Id, social security card and proof of ID. They are in violation of many laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted disputes in regards to a bankruptcy being reported on my credit report. In those letters I submitted copies of my credit reports from all 3 credit bureaus with the inaccuracies and incomplete information on each one.They failed to acknowledge the documents I sent. They failed to show proof that the bankruptcy belong to me. The only keep providing a case number and the address of the bankruptcy court. I requested on numerous occasions to verify it belongs to me. I requested how they verify their incomplete and inaccurate information. I was told by one of the credit bureaus that they in fact get information from a 3 party source such as XXXX. Which under the FCRA they are suppose to gather complete and correct information from the furnisher which would be the Bankruptcy Court. None of the credit bureaus could produce the amount of money in my bankruptcy, my full name, full social security number and address. If I filed bankruptcy it had to be a reason right? I have to have accounts associated with this alleged bankruptcy. I contacted XXXX and requested them to show how they verified the bankruptcy. I was told by a representative of XXXX over the phone that they get their information from the Bankruptcy Court. I got a letter from Bankruptcy court stating they do not give personal information to third parties and I will attach this letter with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.I contacted the collection agency during XXXX and XXXX for all these closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my XXXX, XXXX and XXXX account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Vehicle loan or lease

I paid off a XXXX XXXX XXXX lease vehicle by mailing a check and an odometer statement-check was cashed on XX/XX/XXXX in the amount of {$12000.00}. I called on XX/XX/XXXX to check on the status of my title and was told they were missing the odometer statement, I stated I would fax in the one I had, got the fax number and faxed in the document. I called back onXX/XX/XXXXto check the status and was rep confirmed they had received the odometer statement and they were sending an escalated email to close the account and I should receive the title in 7-10 business days. Around XX/XX/XXXX I called when I still had not received the title and was told again they had the odometer statement, the title had not been release and I just needed to wait. I asked to speak to a supervisor. The supervisor stated had the odometer statement and that they would send an email to the titles department requesting the title to be released. I called back on XX/XX/XXXX and the rep told me the title had still not been released, I again asked for a supervisor who told me they did not have my odometer statement and that I should email it to XXXX along with a letter explaining the long wait and for the title to be sent next day mail. The next time I followed up with a supervisor I was told they still did not have the odometer statement and they they don't even have an email to send things too ( basically her or the last supervisor is incorrect ). She also stated that they only accept the XXXX XXXX odometer statement ( glad someone finally told me ). The supervisor also informed me that they can only emailing the title department is the only way they have to contact them ... This seems really odd for such a large company. On XX/XX/XXXX I sent in the Hyundai Motor odometer statement next day mail through USPS and confirmed it was delivered on XX/XX/XXXX in the XXXX. I called on XX/XX/XXXX and XX/XX/XXXX and it is showing as not received. I am not the only person having an issue with this company and titles being released. I found multiple complaints on the XX/XX/XXXXand a news article on XX/XX/XXXXThey are holding customer money for weeks to months at a time. which should be illegal.
Product: Debt collection

I ended my contract and service with XXXX. Upon completion of my contractual obligation, including payment owed, I sent them the device in the prepaid return box that they provided. In their incompetency, XXXX lost the device I returned and has continued trying to charge me for it. This is completely false and inaccurate. I have gone through the dispute process and this was apparently resolved, only to find out that they have sent the account to a collection agency. This is unfair, deceptive, and in violation of fair debt collection practices. Now, Jefferson Capital is sending me notification of a debt owed that I already paid and ONTIME! The account is reflecting delinquent and has reported as such to my credit report, dropping my credit score XXXX points depending on the Credit Reporting Agency . I have worked hard to build and maintain my excellent credit rating and having to deal with this inaccuracy again and again is beyond cumbersome. The amount they claim I owe to XXXX is {$630.00}. I will be escalating this complaint to the proper authorities and agencies as needed until it is resolved.
Product: Mortgage

I spoke with a mortgage originator, XXXX XXXX XXXX # XXXX, and asked some general questions. At no point did I apply for a loan. At no point did I consent to a hard credit inquiry. After my brief conversation with XXXX, who was rude and in a hurry, I was contacted by my credit monitoring service who informed me a hard credit inquiry had been conducted! I called all the lenders I had spoken with to find out who made the credit pull. Besides XXXX, all other lenders told me they did not pull my credit because I did not apply for a loan and only asked general question. XXXX admits he pulled my credit. I, at no point, gave consent for a credit inquiry. XXXX claims that I did give consent, and that he reviewed the recording of our conversation. I asked for him to play me the recording to prove to me that I did provide consent, but he refused. I spoke with his superiors who were less than kind or helpful. Its obvious who trained XXXX in his predatory, unethical practices. I have requested a letter of deletion to provide the credit bureaus to have this hard inquiry removed from my account and restore my credit score, but they refuse. At this point I will be taking legal action to sue for for damages. Credit is an asset, and the wrongfully damaged this asset of mine. There is no reason for them to refuse to provide the call recording if I in-fact did provide consent! It would require minimal effort for them to have this issue resolved, but now Quicken and I will need to spend the time and money to hash this out in court. They also claim the permissible purpose guidelines were followed, but they were not. I did not provide consent, and they did not have a legitimate business need to conduct the inquiry because I did not apply for credit, I called simply to ask questions! Severely disappointed with this lender. Spare yourself the time and do not work with Quicken! I have reached out to the Colorado XXXX XXXX XXXX XXXX and the XXXX about having XXXX XXXX license revoked.
Product: Debt collection

On Yesterday I was notified that a collection was put on my credit report from Commonwealth Financial. They said that I have a collection for {$1500.00} from 2017. Mind you I never have received anything from any creditor saying I ever had a balance. I called the orginal creditor XXXX XXXX XXXX and they dont show any balance in their sysytem for the amount of {$1500.00}. They only show a recent balance from last year that is not in collection and that has a payment plan set up for the amount of {$250.00} dollars, and they dont show any other account with a balance like this. I spoke to 3 different people and non of them saw a balance from 2017 of any balance owed. I have reached out the credit bureau and they have filed a fraud dispute and instructed me to notify the Federal Trade Commisson regarding ID theft. I will reach out to them once I am done with this report. This collection company is attempting to collect on fake debt that is not real nor is owed by me and I want this removed from my credit report.