23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed on multiple occasions with the CRA 's and directly to the creditor, XXXX XXXX. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$3000.00} limit, with having a past due balance of $ {$770.00}. That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 200 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a re-investigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However, XXXX, XXXX, and XXXX continue to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years now I had submitted multiple letters of dispute to XXXX  XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be removed.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report that shows a inquiry on all three credit agencies. From XXXX XXXX XXXX card. I did not agree to let them do a hard inquiry because I put my XXXX  number in but they ran my personal anyway. I wish You to remove this inquiry from my credit report. In accordance with the fair credit reporting. 15 u.s.c. 1681 section 602 a states I have the right to privacy.This is the application # foXXXX XXXX XXXX XXXXXXXX card. On XX/XX/2024 ... XXXX
Product: Debt collection

On XX/XX/XXXX, I received documentation from Portfolio in the mail which gave detail about the charges I allegedly incurred. 
According to the details of the report, a letter from XXXX Bank was sent to a XXXX XXXX. The letter indicated that a XXXX account had been sold to Portfolio XXXX. The letter was sent to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX. In addition, the report shows dates of purchase to the following : XXXX  ( XXXX ), XXXX XXXX XXXX and XXXX on XXXX ), and XXXX  ( XXXX ). 

I provide the following information to dispute these fraudulent charges : Address : I have never lived at the address noted or any address in California. I do not have any relatives, friends or acquaintances at this address. 
I have lived at my current address since XXXX, XXXX. I can provide documentation ( license, voter registration, etc. ) The California address is an office building and included in the address is a XXXX XXXX. 
In XXXX, I was informed by XXXX XXXX that the above California address was listed on my credit report and that my XXXX email was on the dark web. 
I notified XXXX in XXXX of the erroneous address and changed my email password and/or used a new email address for many accounts. 
On XX/XX/XXXX, I filed a dispute with all three credit bureaus regarding the California address. I was informed that the dispute was rectified in my favor and the address had been removed. 
The XXXX account, associated with my current address and email, does not indicate an outstanding balance. 
I have not used this account for a number of years and thought, based on a letter received in XXXX, that it had been closed due to inactivity. 
My credit scores on XXXX, XXXX, and XXXX are very high and there are no outstanding balances except this account. 
According to paperwork Portfolio sent me, a payment of XXXX was made on XX/XX/XXXX. There is no history that I made this payment through my checking account.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XX/XX/XXXX
Product: Vehicle loan or lease

I bought a truck that Capital One worked with the car dealership and recommended I had the truck for XXXX weeks and the clutch went out on it and the sleep cylinder went out on it I begged for bumper to bumper coverage when I was buying the vehicle the interest rate was outrageous and they sold me the lowest liability coverage you can get and lied right to my face. I begged to work out a payment plan and they said they couldn't help me. I'm not working as much and the truck I bought had issue after issue and it took XXXX months for them to finally fix my truck. I'm a single father of XXXX amazing kids and these car dealerships love to get you at your lowest moment when you have no option but to sign however capital one had that dealership as a dealership they recommended and work with to finance me.
Product: Debt collection

Portfiolio recovery Statement to terminating investigation dated XX/XX/2019 stating they need more information,? how can they validate and report a alleged debit if they don't have information in there own statement enclosed I never received anything but this letter
Product: Credit reporting or other personal consumer reports

Unauthorized and Unverified accounts on my credit report
Product: Checking or savings account

On XX/XX/2022 I used my debit card to purchase a vacation package/hotel stay. A hour after making the transaction I decided to cancel the reservation. The transaction was still pending at this point and I was sent a cancellation receipt by XXXX. On the XXXX of XXXX the transaction came out of pending status and was debited from my account. I contacted XXXX to see why the money was taken from my account and they told me that the refund had been issued. After not receiving my money in a week I called them back and was told that they issued a refund and to contact my financial institution to see what the issue was. I contacted cash app and was told that there was no refund issues by XXXX and to provide documentation of the refund which I did. They suggested a file a dispute and told me that it could take up to XXXX  days. During that week I contacted both XXXX and cash app several times at which they were both blaming one another. XXXX was saying they issued the refund and cash app was saying there was no refund in their system. XXXX was able to send me the refund request which I forwarded to cash app along with the communication between me and XXXX stating that I was being refunded. My dispute was denied, I still havent received my money and cash app is given me the run around and leads me to believe they are trying to steal my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my fiance and I tried to cash our security deposit that was issued through US Bank and was denied because I asked too many questions. We started in the drive thru and after being asked for our ss # because our IDS wasn't enough decided to go inside. Once inside we were greeted by the branch manager XXXX XXXX and asked this time for our employers, whether ft or pt as well as the type of work. With have never been asked these personal questions, I was hesitant but did what she asked. I still processed to ask questions which made her no long want to cash our check. Us Bank located at XXXX XXXX XXXX XXXX XXXX wi XXXX
Product: Credit reporting or other personal consumer reports

I called Capital One XXXX on XX/XX/XXXX. They do not have anything based off my social security number. The agent advised me to submit a hand written letter stating the issue. I will be doing that today certified mail. The hard inquiry made on XX/XX/XXXX is showing on XXXX and XXXX per XXXX. I did not make any inquiries nor did I apply for anything new. I was actually out of state when this occurred. My info was recently compromised because of XXXX & XXXX 's data breach. I was notified that I was one of the customers affected.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Business Education and Training Program called " XXXX XXXX XXXX XXXX '' called XXXX. I purchased Training Packages and the permission to sell the packages.. I paid {$60000.00} for the program and charged {$11000.00} on a Chase Credit Card as XXXX XXXX  XXXX. 
On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites are shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified Chase Dispute Department of the situation. They mailed me a form to fill out and i completed it and mailed it in. 
Since then I have been going back and forth with Chase to send more information and I have submitted information each time. As of XXXX XXXX they sent me a document which I am attaching stating there was no billing dispute. The issue is about " Services not fulfilled. I did  receive about 14 % of the coaching services and reduced the dispute to {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to XXXX and TransUnion in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( XXXX and TransUnion have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit card

I have been with Capital One credit card since about 2012. Due to my financial hardship at XXXX point, I got behind with my payments. I never stop paying and at the moment my account with Capital One is current. Due to being late a few times in the past Capital One restricted my account, so I 'm not able to use the credit card. I 'm okay with not being able to use the credit card again, but I requested a due date change from the XXXX of each month to the XXXX of each month. The reason for the due date change request is because my employer changed my pay period from the XXXX and XXXX to the XXXX and XXXX of each month. My payment with Capital One is due on the XXXX of each month, so because of my new pay periods it makes if financially difficult to make my payment on time with Capital One. I explained to representatives at Capital One the reason for my due date change request and was told nothing they can do since the account is on restricted status. As I mention before I have been paying on time and my intentions are to pay the remaining balance by the end of the year. A due date change will help my achieve that goal, so again I 'm not upset that the account was restricted, just need help from Capital One with a due date change.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX account XXXX ending in XXXX was reinstatedon my Equifax credit profile on XX/XX/XXXX and has caused my credit score to drop XXXX points ( see picture below ). I disputed this account on XX/XX/XXXX and XXXX XXXX has not removed the account. The Equifax dispute confirmation number for XX/XX/XXXX is XXXX. 

I submitted a new dispute XX/XX/XXXX and that dispute number is XXXX XXXX XXXX account number ending in XXXX was first disputed XX/XX/XXXX and Equfax removed/deleted the account due tothe informationbeing inaccurate, incomplete and could not be verified. The updated XX/XX/XXXX Equifax credit report showed that the XXXX account number ending in XXXX was removed/deleted. 

Also I never XXXX mailed notice of reinsertion from Equifax within XXXX business days of their reinsertion, as the day of the reinsertion was XX/XX/XXXX. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within XXXX business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). 

Please have Equifax abide by the CRA laws above and remove/delete the XXXX XXXX account number ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a few letters over the past XXXX months the most recent one was stating the laws that Equifax violated and they sent me a letter in return stating that Inquiries are factual and can not be removed from a credit report. I also called them and the representative that I spoke to stated that they didn't have to abide by the United States XXXX XXXX XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer and Permissible purposes of consumer reports Laws or any laws for that matter I asked to speak to a Senior XXXX Management to see if he would send me a affidavit of truth stating that they had something in written or signed by me authorizing Equifax to furnish the inquiries on my report in the first place and they said they didn't have to do that I asked could I have the name of the person I was speaking to they said no they didn't have to give that information out, so I said to the lady I was speaking with it seem to me that Equifax is able to furnish all my information for anyone to see with out my authorization and she said correct and then started acting like there was something wrong with the phone saying hello hello hello and hung up on me. I can't believe these are the people that are in control of our consumer credit reports. 
I have tried to take care of this matter with Equifax directly on a few different occasions but they will not operate within the guide lines of the law they refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my consumer report and noticed that XXXX XXXX was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.
Product: Debt collection

I represent myself. I sent a cease and desist and validation of debt, Capital One received it on XX/XX/2021. They did not answer any of the questions on my audit request. Soon after they closed my account within the 30 days of Cease and Desist. Also they report fraudulent delinquent activity on my credit report. It has cause so much anxiety and stress because I exercised my rights as a consumer. Under Title 15, Capital One has committed misleading, deceptive acts. XXXX XXXX I sent them my billing error notice because they were not truthful as to how to make payments for my alleged debt. I demand an answer, full documentary evidence and for opening new accounts with the correct methods of payments issued on my account pursuant to 12 CFR 1023.13. Thank you
Product: Debt collection

This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account. The amount seems inaccurate as well.
Product: Money transfer, virtual currency, or money service

I responded to a XXXX ad to buy 3 XXXX concert tickets on XX/XX/22, the day of the concert. After some text message correspondence the seller and I agreed on 3 tickets for {$320.00}. I agreed to make the payment via XXXX and to receive the tickets through our XXXX account. The seller called me to walk me through transferring the money from my XXXX account to his, he seemed pleasant and helpful. He was on the phone with me until I confirmed the funds were transferred and he had me email him a screen shot that the transaction was completed. The minute he got the email confirmation from me he hung up and ignored my calls and emails. I called him from a different phone number and he answered but hung up as soon as I told him who I was. I called XXXX XXXX within 5 minutes of making the payment and they advised there was nothing they could do. I then called the local sheriff and they sent an officer to take my report. The officer said there was nothing they could do. I cant believe XXXX XXXX would allow this type of service to be used through their banking sites. XXXX has no protection for consumers and makes it easy for scammers to take advantage. I trusted my bank and I feel violated because XXXX XXXX offered the XXXX service directly from their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old inquiries on my credit that will not come. That should have came off after 2 years
Product: Credit reporting or other personal consumer reports

To whom it might concern I am writing to DISPUTE the following files that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or sufficiency in your docious adhering to the mandatorily adapted credit reporting industrys standards namely the CDIAs own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofcognate information that might else better ensure integrity of maledictions made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which possibly can have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably compliant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX