23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent inquiries accounts on my transunion, XXXX and equifax credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Calls made before XXXX XXXX, also repeated calls to my workplace despite my repeated ask not to. Refuses to give me information over the phone about the debt and instead only asks when I am making a payment and demanding it be a certain amount, repeatedly asking for credit card/method of payment. I asked to have a notification mailed to my home and still have never received anything that shows what the debt is or provide proof this is a legit debt collecting agency.
Product: Credit reporting or other personal consumer reports

I sent The credit bureau my information I asked him to verify all of my information being accurate. I came back as verified. I checked my current report. But they did not remove them. 

XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX  ( Duplicate Entry ) Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ( multiple entries ) XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

I am writing to dispute the following information that your company supplied to [ give the name of the credit bureau whose report has incorrect information ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 

This address [ XXXX XXXX XXXX XXXX XXXX, NY XXXX ] is inaccurate and incorrect because I have never ever lived in that apartment. 
I am requesting that you have the item removed or change to correct the information. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. 

As per section 609, I am entitled to see the source of the fraud information, which is the original contract that contains my signature from XXXX XXXX. 

As proof of my identity, I have included copies of my NYS-id and my Social Security card. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One appears to be intentionally obfuscating the dispute process. 

Summary : After 1.5 years of repeated checking and document submission, I have been told that this case was disqualified from the start for being 10 days late to a deadline for which I had no notification. 

XXXX - The merchant submitted false information to dispute the chargeback request. 
XXXX - Capital One did not notify me of a short deadline, by which to submit additional evidence. 
XXXX - I called Capital One and was told to submit more information through email, which I did. 
XXXX - No notifications were given, I called Capital One and was instructed to send more information through email. 
XXXX - I have been following up on this case periodically for 1.5 years. 
XXXX- Again, no notifications. I called Capital One today to follow up and they told me, upon their review, THAT I HAD MISSED THE VERY FIRST DEADLINE BY 10 DAYS and the entire case was disqualified to continue from that point. 

- I have been repeatedly asked to submit information for 1.5 years, for no reason. 
- I have been told that customers who opt-in for electronic documents are never notified, but that the responsibility falls on my shoulders. ( They said I should be frequently checking for documents within a hidden part of the phone app. )
Product: Credit reporting

I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX ) paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Product: Credit card or prepaid card

I was told by an agent over the phone at Capital One that they had a promotional upgrade and if I upgraded my card I would get 12 months interest free. I asked the agent several times and in several ways if this works interest free also applied to the balance I already had and was told yes. I got my bill after upgrading and realized I had interest on the bill. I called and escalated the situation and asked for the calls to be reviewed and honor what I was told. After admitting that I was given the wrong information they said there was nothing that the are going to do. I told them to cut my card off. The proceed to bill me and accumulate interest in a " interest free card ''. Now they are trying to sue me in small claims court. They think because they are a big corporation that they can commit false advertising and not have to own up to it and now have the nerve to try an sue me. I am going to fight this all the way.
Product: Debt collection

I checked my credit report and noticed and I had a collection charge of {$400.00}. I was shocked as I always pay on time. I click on the info and noticed it was a charge from a Hospital in Louisiana. I quickly knew it was fraud. LA SVC Rec was collecting the debt. I contacted them and let them know it was fraud, I sent the required docs they request and I faxed it to them. I believe it has been removed however I need to file this for my own sake. I am a victim of identity theft, and dont want this to affect future.
Product: Credit reporting, credit repair services, or other personal consumer reports

deceptive apt practices 

XXXX XXXX  
XXXX
: XXXX XXXX XXXX XXXX XXXX   TX XXXX XXXX
Product: Debt collection

This debt of {$180.00} was charged from XXXX XXXX ( the original creditor ). The new creditor is XXXX XXXX XXXX. This debt was included in my chapter XXXX bankruptcy and has been resold twice since then. It keeps re-appearing on my credit file and I'd like it removed permanently. I tried disputing the debt with the creditor and they refuse to remove it. I have attached proof that this debt was included in my BK and it doesn't report on my other two credit files.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

*Applied Bank XXXX
Product: Credit reporting or other personal consumer reports

Please see below the clear violation from this company : To Whom It May Concern : My name is XXXX XXXX. I am sending this letter on my behalf. 

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX  with account number XXXX Your company is in clear violation of the consumer protection laws outlined in 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) and 15 U.S. Code 1692e., THE LAW CLEARLY STATES : 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ), reporting during Covid-19, as per this law, in times of declared emergencies, such as the ongoing pandemic, credit reporting agencies are required to update accounts to reflect that payments were not late.

You have failed to meet the requirements of this law, and for that I have submitted a report to the CFPB.

I assert that the accounts, which is currently marked as late on my credit report, should be updated accordingly to reflect that no late payments occurred during the specified period of Covid-19.

Additionally, I draw your attention to 15 U.S. Code 1692e, which pertains to false or misleading representations. In my view, the late payment entry on my credit report is false and misleading. I have meticulously maintained timely payments for all my accounts, including the one in question. It is disheartening to see this inaccuracy on my report, as it tarnishes my creditworthiness and undermines my financial credibility.

I hereby request that Experian to rectify this matter promptly by updating the entry for the accounts, to reflect that no late payments occurred during the Covid-19 period, as mandated by 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ). Additionally, I kindly ask that you remove the false and misleading late payment entry from my credit report under the provisions of 15 U.S. Code 1692e.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection to XXXX and Transunion. I have not done business with this company. I am concerned about my identity. My personal information has been sent to a 3rd party collection agency without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to dispute the reporting of my student loan on all three credit reports. I have attempted to correct this with all three credit reporting agencies and with XXXX XXXX XXXX Loans. I spoke with XXXX XXXX again today and received another notice from XXXX  that they do not have to investigate the complaint as the details of my letter were not specific enough and I had recently filed a dispute so they did not have to investigate again. When I spoke with XXXX XXXX they state it is the credit reporting agencies, XXXX, Equifax, and XXXX. The credit reporting companies state it is XXXX XXXX. 

There are two XXXX XXXX XXXX XXXX being reported on each of the three credit reports. One is correct with the all payments being reported as current. The second one of which a copy is attached to this letter, list the account as CURRENTLY PAST DUE GREATER THAN 120 DAYS. This student loan went through the rehabilitation approved process and the reporting of the loan was updated. During the update somehow two student loans began to be reported instead of one account.current.The second account should have been deleted from all three credit reporting agencies, Equifax, XXXX, and XXXX. 

The reporting on Equifax that are now reporting a student loan that was closed in XXXX with a XXXX balance NOW has late payments reporting in XXXX and XXXX. The account is reported as being currently 120-149 days late as of TODAY and was closed with XXXX balance is XXXX. 
The late payments on this account are over seven years from XXXX. I have worked diligently to rebuild this account to a good standing status. This loan went through the full rehabilitation process and the second account reporting reflects accurately what the account status should be. Under the terms of the rehabilitation process, the account that has the inaccuracies and late payments should be deleted from all three reporting agencies, Equifax, XXXX, and XXXX, as per the Fair Reporting Act. The correct one with the on-time payments should  remain as the account status. 

This inaccurate and outdated reporting of two accounts is detrimental to my credit score and does not accurately reflect my current account status or the rehabilitation program I followed. I am very frustrated and do not have any idea who to seek futher help from to resolve this issue. I am appealing to you for help with this to get both of them to work on this error. 

If you have any questions, please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with Equifax and  XXXX  are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.
Product: Checking or savings account

My ex-wife and I opened a KeyBank joint checking account in approx. XXXX. The account apparently had overdraft protection. In XXXX, I was commissioned as an XXXX XXXX XXXX XXXX and my family and I were transferred to XXXX. There were no KeyBank locations in the country ( not surprising ) and, therefore, we changed our bank to one that had a presence on the base. We attempted to close the KeyBank account but were told that we had to do that in person -- which, obviously, we could not do. We stopped using the account and had all of our associated auto payments stopped and transferred to our new account. We did not believe we had any money left in the account and that it was effectively closed. In XX/XX/XXXX, I received a phone call from KeyBank, informing me that they were attempting to collect a debt. I was very confused, because we had not used KeyBank in well over a decade. The representative informed me that I owed the bank approx. {$2500.00}. After MANY phone calls with the bank, I have finally been informed that this balance stems from a $ XXXX-per-month auto payment on two XXXXXXXX XXXX XXXX policies for me and my wife. It appears that there still was enough money in the checking account to cover these premium payments for several years, but once those funds were depleted, the bank began applying overdraft. This went on for YEARS, without the bank ever informing me or my ex-wife. We have been assessed hundreds of dollars in overdraft fees, late fees, interest, etc., and were not informed of any of this activity until the XX/XX/XXXX phone call to " collect a debt. '' In the meantime, KeyBank has reported this debt to the various collection agencies, which has obliterated our credit. In my conversations with the bank, I have expressed my willingness to cover the cost of the insurance premiums, but I have respectfully asked that the bank waive the overdraft fees, late fees, and interest given the extenuating circumstances -- namely, that this issue arose through a combination of my family and I being stationed overseas ( and unable to close the account due to KeyBank 's unreasonable in-person requirement ), the bank continuing to assess all kinds of fees and penalties for YEARS, and the failure to notify me or my wife until the bank attempted to collect a debt of which we were not even aware. To date, KeyBank has been completely uncooperative.
Product: Debt collection

Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX bank ) and they continue to call my phone daily XXXX among other numbers they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & TransUnion is unwilling to accept of investigate this claims online or thru mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The company has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Nelnet has been handling my student loans since XX/XX/XXXX. The original loan amounts totaled {$41000.00} with a 6.8 % interest rate. Since XX/XX/XXXX, I have paid over {$15000.00} toward my student loans. I just received a letter from the department of education dated XX/XX/XXXX that I owe them {$48000.00}. I checked my Nelnet account and it says the account was paid off with a {$48000.00} payment - which I am assuming is the department of education 's payment they are trying to collect. I contacted Nelnet about the fraudulent amount but they have not responded. They are trying to overcharge me by {$20000.00}! Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Capital One shared my account information with all XXXX  credit bureaus without my consent