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

This Credit Reporting Company sent me a letter saying they were not going to complete and investigation because they needed proof of identity, address, and my FTC Identity Theft report. Items that I have sent several times and they have on file! This is an obvious stall tactic and is very dishonest. The fail to identify to me what dispute their letter is in reference to.

Please Credit Reporting Company personnel save these documents and use them as you need and stop behaving like you don't have them! I expect my complaints to be address within 30 days. Stop trying to reset time.
Product: Credit card or prepaid card

Comenity Bank has been wrongly reporting the account as overdue/delinquent and spoiling my credit history and FICO score XXXX I had a balance of {$3900.00} pending payment on XX/XX/2022 cycle.From XX/XX/XXXX till XXXX XXXX, Comenity bank payment systems were down and it was all over the news. I made the payment of the entire remaining balance of {$3900.00} in XXXX as soon as the systems were up. I even called them to make sure that the balance amount is paid and there should be no late payments or charges as their systems were down. The payment was posted and deducted on XX/XX/XXXX from my checking account. I have not used this card ever since. And nobody contacted me until first week of XX/XX/2022 saying, $ XXXX cents was not paid in XXXX and it has accumulated late fees. After multiple calls, they opened a dispute - XXXXThey said it was a mistake at their end and they have not sent a balance letter or called me ever since. But I started receiving emails from all the credit unions that an account is delinquent and my credit score has dropped. And when I login to XXXX, I see Comenity bank reporting that I have not paid since XX/XX/2022. They have not pushed balance history from XX/XX/2022 to XX/XX/2022 to any credit unions. I can share all the statements to prove this. Please help me get my credit score back on track.
Product: Credit card or prepaid card

Capital One issued a check for {$2500.00} to me for a credit balance owed to me. The check was dated XX/XX/XXXX. After not receiving the check, I called Capital One on XX/XX/XXXX, they told me it take 2 - 3 weeks to be received. On XX/XX/XXXX I called again after not receiving the check ; they informed me at that point the check had been cashed. I immediately reported to Capital One that the item was NOT cashed by me & reported the item as being fraudulently cashed ( stolen ). Capital One provided me with a copy of the cashed item, clearly signed by someone else. 
Since the I reported this item as being fraudulently cashed / stolen ; I have not received a replacement and I am out the {$2500.00}. I have called Capital One many times only to be told they are researching the issue and no one can give me any further information. The research turn around time is " unknown '' and no one can provide any answers or timeline, nor can they provide what research is being performed. I have spoken with endless representatives and I've captured some of the ID 's XXXX XXXX XXXX - said it was under investigation & I would get a call as soon as there was more information XX/XX/XXXX XXXX XXXX - could not provide any updates or answers XX/XX/XXXX XXXX ( didn't obtain ID ) said she was going to research & call me back by XXXX, no call back received. 
XX/XX/XXXX XXXX ID XXXX - couldn't provide any update, said it was under investigation & there was no one that could provide any additional information or detail. Refused to transfer me to the department handling the investigation. Said the person handling the investigation ID # is XXXX but they aren't available to give her an update & they will mail me a letter with investigation outcome & there is no turn around time for when I'll receive that letter. Refused to transfer me to anyone else, any other manager or her manager but did give her managers ID : XXXX Unable to obtain any updates aside from " it's being researched '' and I've been receiving that reply for 30 days now with no additional detail or turn around time. 
On XX/XX/XXXX I filed a police report and have a copy of the report. Capital One has NOT asked for a police report, nor asked me to file one. Capital One has not asked me for any information to assist them in researching this fraud / stolen check item. 
I am out {$2500.00} and I can not get any answers, them item was stolen and fraudulently cashed and did not benefit me in any way. 
No one at Capital One can tell me the protocol for this issue and what the steps are that I can expect. No written statement or any requests to verify my signature have been requested by Capital One. 
I will complete any requested information and provide full cooperation to assist Capital One in researching this fraud.
Product: Credit reporting or other personal consumer reports

I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, and XXXX delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due identity theft and the data breaches from XXXX which also caused my information to be exposed. Also XXXX with the complaints filed on XXXX failing to properly report. 

The following are accounts that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I am reporting is XXXX XXXX for a debt in the amount of XXXX. I had paperwork to submit to Midland regarding a hardhsip appplication, due to me being out of work. I was told they couldnt communicate with me and contact the law firm at XXXX. After numerous of calls I finally got an answer from an secetary who inform me that Midland has to negotiate with consumers involving settlements and hardships. ( Of course Midland will tell you I didnt call the lawfirm as usual=-but I did ). Recently tried to resolve the collection with XXXX XXXX before and only have been giving the run around or no response. I sent a certified letter ( signature required to show proof it was received ) and I have gotten no response from this company. I trying to settle with this company to pay off the debt and have it removed from my report. However it seems like they are denying payment offers, but continue to report debt. I request that the issue be throughly investigated and documents sent to address on file for hardship. 

If the matter can not be acknowledge and no payment is being accepted, please remove the collection from report immediately. 

Attached is a copy of the letter sent to Midland, and a copy of the last letter I have received from Midland showing proof that they are owners of the account and to conact them with issues ( But No response ).
Product: Debt collection

The company contacted me to say I had a past-due balance, although they would not state to what company the amount was owed. I requested a copy of any invoice or contract. The documentation they provided was a contract for credit card processing services for my business, however, neither company on the form handles my payment processing. I have no business relationship with either business on the form. They also provided invoices from a processing company which show no transactions occurred with this company, thus the company did not process any transactions for my business. 

The contract is dated XX/XX/year>, which is significant in that I had just experienced check check fraud prior to that date. A check was stolen, washed, and someone attempted to deposit it fraudulently. The contract provided by XXXX XXXX has the same bank account number as the stolen check, however, I had closed this account a couple of weeks prior to the contract, due to the fraud ( at the bank 's request ). If I were truly signing a contract for new credit card processing services, wouldn't I use my new, current bank account number? Further, the signature on the contract is not mine and looks to be a poorly attempted forgery. I did not complete or sign this contract, it is a complete fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX XXXX XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Product: Debt collection

Received a letter from CBE Group regarding a collection attempt for debt, however, I haven't received any documentation of exactly what the actual bill is for, why I am being requested to pay bill by a third party in which I don't have a contract with, no information on if the the statute of limitations has expired regarding the bill, if the company can legally collect in my state and there is no statement that says " this is an attempt to collect a debt '' on the corresponding letter.
Product: Vehicle loan or lease

Flagship Credit Acceptance has lost/stolen two payments and charges late fees. They make collection calls at XXXX XXXX. and XXXX XXXX.. They even make calls at XXXX XXXX and when I call back the machine says they are closed and to call back during working hours. 

I talked to a supervisor today at XXXX XXXX mountain time XX/XX/2022. The checks have been sent via bill pay they are check numbers XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX is charging me a fee of {$XXXX} for a return check they never process or paid. The funds was never available and the bank never paid the funds. I ask them why charge my account excessive fees they said its routing number fees charges you. I have never heard of such a events.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to XXXX XXXX XXXX regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history, and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified XXXX XXXX, XXXX, EQUIFAX, and XXXX of unlawful and unauthorized reporting of unknown inquires and XXXX XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed Experian a certified letter demanding fraudulent inquires be removed due to the date breach and they are refusing to remove inquiries. I have tried to call several times and there was no live person to talk to. These inquiries are damaging my credit report profile insisting I am a high-risk client. My consent was not given at any time for inquires occurred in said letter mailed.
Product: Debt collection

XX/XX/18 Received phone call ( not robo ) from " XXXX '' who asked for me by name and left voice message asking me to call back regarding a person named " XXXX XXXX '' Asked me to call back at : XXXX ext XXXX. 

The phone # used to call me is : XXXX XX/XX/18 I called back using XXXX, spoke with " XXXX '' who asked for my account # or SS #. I told him I didn't have an account and wouldn't give my SS # over the phone. I asked what company : it was Ally Financial. I asked what the call was related to and he said auto loan. I said I didn't have an auto loan and asked what this was related to. He said " XXXX XXXX '' I told him I would report this and asked for further information. This is what I got is : Ally Financial XXXX XXXX, Manager XXXX XXXX XXXX XXXX, Minnesota XXXX Phone : XXXX Web : www.allyfinancial.comXXXX Email : not given He said he would remove me from his call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTEM OF XXXX DATA BREACH & MY INFORMATION WAS ON THE BLACK WEB SINCE THERE HAVE BEEN UNAUTHERIZED INQUIRES & ACCOUNTS I SENT THIS INFO TO ALL 3 BEREAUS FOR DELETION MULTIPLE TIMES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit card or prepaid card

On XX/XX/XXXX at about XXXX, I accessed my XXXX   account to check balance of my XXXX XXXX. The account said " Fraud Suspended '' and could not access the transaction history. I called the XXXX number and was told that a charge attempt was made from 'XXXX ' for {$8.00} so they refused the charge and shut down the card. I am very careful not to give anyone my card -- use cash for gas and other purchases ( I am a paraplegic- use a manual wheelchair, so dont get out of the car for some purchases ). If this was a hack against XXXX, XXXX, or Comerica, THIS IS THE SECOND INSTANCE IN ONE YEAR -- THE LAST OCCURRING IN XX/XX/XXXX. If this is Comerica trying to freeze seniors ' accounts to obtain interest for a few days on millions of dollars -- YOU SHOULD BE INVESTIGATING AND GETTING SOMEONE ELSE TO MANAGE OUR ACCOUNTS. I am following up with my legislators. TWICE IN ONE YEAR??????

Thank you for your great work -- I do know you help and have helped many people in our country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a case with the  XXXX  major credit bureau about  XXXX  credit card being aged & on my report for more t han 7.5 ye ars. All credit bureaus with the exception of Equifax have removed it from my credit profile but under FCRA it states " consumers reporting agencies  may not report outdated negative information. '' I received a copy  of my credit report from Equifax and they are the only credit bureau who has the date of last payment wrong. So either  XXXX  credit card have a discrepancy with Equifax or Equifax has the data wrong and by law it needs to be removed immediately. I will file a law suit with Equifax and  XXXX  but I 'm bringing it to the attention of the Attorney General & CFPB for help in getting Equifax to abide by the law.
Product: Credit card or prepaid card

IN XX/XX/XXXX, I had contacted Capital one about a hardship program they offered at one time. XXXX of XXXX, I became critically ill with XXXX   and nearly died. I had 4 lengthy hospitalizations between XX/XX/XXXX and XX/XX/XXXX. When I was well enough mentally to contact my creditors, I immediately explained my situation and requested assistance through their hardship programs, where I would have the option of keeping my accounts open and in good standing. All other creditors offered a program, where they lower my interest, waive any late fees or over the limit fees, and reported my accounts in good standing with the credit bureaus. Not Capital one. They make it sound like they are there to help and have only the best of intentions to help you in your time of need. They do not. Since I have entered the hardship program, they sent me notice of default on my accounts, and threatened to cancel my accounts, reported me as much as 120 days late on all 3 of my accounts all while being enrolled in the hardship program. My understanding of this program was if I could not make a payment for a certain time frame, I would be protected while enrolled. If at any time I could make a {$25.00} payment to prevent further issues, that was acceptable. My understanding of their hardship program was to help people. NOT DESTROY their credit. I had an excellent payment history with all of my credit cards with them, but this just completely ruined me. They also did not explain in any way, that after you get caught up on your accounts while on the hardship program-that they then restrict your account for another 3 months-and still continue to report you late to the credit bureaus. I had reached out on SEVERAL occasions to inquire about changing my payment due date to coincide with my SSDI benefits, so that I could make sure my payments were made in a timely fashion and without having trouble paying. They flat out refused ( after telling me on more than one occasion they could change my billing date ). They claim payment due dates can not be changed while enrolled in a hardship program. How is that supposed to help me? It does NOT, it hinders my ability to make timely payments as agreed once I entered into the hardship program. Despite being caught up since XXXX, they have restricted my cards for 3 additional months, in which they STILL REFUSE to change my billing date. How can this even be considered a program to HELP ANYONE but themselves? When they offered insurance for this type of scenario, I always had payment protection on all of my cards specifically for issues like this, but they eliminated all programs to actually HELP people. I had filed a complaint with the XXXX  but all they did was have someone from corporate call and apologize to me and again go over the terms of the hardship program. NO help at all.