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

CAPITAL ONE, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

CAPITAL ONE can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from CAPITAL ONE for the canceled debt of {$9800.00} to file as ordinary income.

CAPITAL ONE is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory!

CAPITAL ONE has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of XXXX  as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802.

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was breached by Equifax. They put a freeze on my credit report. In order to lift the freeze they require me to send my SS card and DL. 

I have requested a copy of my report. 
I would like to set up a fraud alert. 
I am very upset. 

Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be remove. 

1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX XXXX 5. BESTEGG XXXX 6. XXXX XXXXXXXX 7. XXXX XXXX 8. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

They didnt properly investigate accounts to verify that they are legitimate and by my approval
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I placed an order for a XXXX Sectional Couch from XXXX XXXX using an installment loan from AfterPay. The estimated delivery date was XX/XX/XXXX. However, when I requested a tracking number, I was informed that there were delays and that they would let me know when my order left the warehouse. Despite checking in monthly, I received excuses about warehouse delays, and my order remained unprocessed. Finally, I decided to cancel my order on XX/XX/XXXX and requested a refund. Unfortunately, XXXX XXXX informed me that they could not issue a refund as they no longer worked with the payment processor and Afterpay does not let you open a dispute after 120 days which is a big red flag since the pandemic has caused a lot of manufacturing shortages. They suggested that I dispute the charge with my credit card company and deny receiving the goods, even though they did not offer any other solutions like a wire or ACH payment. I paid {$1500.00} through AfterPay and I've contacted them multiple times they have refused to help me with getting in touch with the merchant. AfterPay knows I have never missed a single payment ever since using them, they have refused to call me and everyone keeps giving me the same answer. The only one that can help me is AfterPay, I need them to get the merchant to give me my money back. I am very disappointed that XXXX XXXX and AfterPay did not treat its paying customers with respect and instead scammed them out of their hard-earned money. It would be greatly appreciated if they could refund my money as soon as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. These are the ONLY personal information that should be reported on my credit report : Incorrect Previous Address - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Name - F XXXX XXXX Employer - XXXXXXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Incorrect Name - XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Product: Credit card

I called Chase XXXX XXXX card phone number to submit a credit card dispute. The representative had trouble understanding me and enter incorrect information on the dispute. I requested to talk to the department supervisor named " XXXX '' at their XXXX XXXX Office. I ask " XXXX '' to send me a formal chase credit card dispute application so I can put everything in writing and they will not be any misunderstanding. XXXX refused to send me such application. I asserted my right under Fair Credit Billing Act and ask XXXX to send me the application. He again refused. He said he can not send me dispute application to my address because the dispute can only be handled via phone and they can not help me with the dispute based on my verbal answers to the representative even though I told him the representative had an English accent and can not understand my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.
Product: Credit card or prepaid card

My account was closed due to one monthly bill payment that didn't clear my bank. I have made many on time payments and I do not understand what happened. No one can explain the situation and how a creditor can do this. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX-XXXX
Product: Debt collection

XXXX XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good day I have disputed a duplicate account with a collection company they only removed 1 account and left the other account of the same account number but everything is different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- XXXX XXXX  M 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 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 or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Credit card

Citi bank over charged me twice on XX/XX/year> for XXXX. Over the course of 2 months, I tried reaching out and repeatedly got no where, each one giving me a different answer, saying I will get the money back, another saying I won, even with the confirmation that they were supposed to send me back the money. 
I got my bank involved and my bank was able to get my money back, but citi card charged back that same amount that they gave the bank to me of {$2700.00}. 
I called and they refused to let me file a dispute, flat out. I called my bank again and she found evidence that I was over charged twice on XX/XX/year>. Now the statements have changed and Im still not able to file a dispute on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

the computer glitch caused my inquiries to be deleted.later transunion later added them back on my credit report without giving me a legal required written notice 5 days prior to them re adding.i contacted Transunion to have the inquires deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Debt collection

The original creditor of this credit card debt was XXXX XXXX XXXX. The debt was charged off and sold to various debt collection agencies, most recently XXXX XXXX, who has outsourced the collection of this account to Tate & Kirlin Associates , Inc . I received a notice from Tate & Kirlin in XX/XX/2022 that stated the debt would be removed from my credit file by XXXX XXXX, their client, if I satisfied the debt in full for XXXX  I paid the XXXX} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed Tate & Kirlin for an update on receiving the debt satisfaction letter and asked when XXXX XXXX, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if XXXX XXXX  -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that XXXX XXXX could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for Tate & Kirlin, again, asking whether or not their client and the owner of this debt, XXXX XXXX, has or would receive notice that I had paid the debt in full directly to Tate & Kirlin. As of this complaint, no one has responded to my e-mails. I am concerned that Tate & Kirlin are a fraudulent organization who has collected my XXXX  and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased a {$500.00} XXXX XXXX gift card from pharmacy store. 
XX/XX/XXXX, a fraudulent charge of {$500.00} was put on the card. so the card has {$0.00} balance within XXXX hours of card purchase date. ( Info obtained from Incomm support a day later ) XX/XX/XXXX, Informed Incomm Financial Service and was told the card was " drained '' on XX/XX/XXXX. case number : XXXX. 

The packaging was perfect when I bought the gift card, it was not tampered with. so it is most likely an insider job who can act so quickly to " drain '' the card. 

It is XX/XX/XXXX today, It is almost 2 months since I informed vendor of fraudulent charge and the only communication I received was a boilerplate acknowledgement on XX/XX/XXXX after I emailed the requested form as seen below. 

" Greetings, Please use this email as confirmation that your dispute packet has been received and forwarded to the Dispute Resolution team. Please be advised that disputes are worked in the order they are received. You can expect complete resolution within 45-90 days. Once the dispute is resolved, the outcome will be communicated to you via email. '' As a consumer, I am not sure how many fraudulent cases you deal with on daily basis. However, I would at least want to know whether anybody is working on my case, things like " we forwarded our dispute to the vendor and it takes them up to 30 days to respond '', or " dispute sent to vendor on such date, a follow up inquiry was sent again, etc ''. The inconvenience is not caused by consumer, but some kind of security breach in your backend system. The least you could do is NOT ignoring customer for 8 weeks without a single email, but a case update even though there is no progress. 

For CFPB staff : I used to have a choice between XXXX XXXX and Incomm Financial Services. Nowadays, it seems Incomm dominate all the stores around me that left me with no choice. XXXX normally resolve fraudulent case in 30 days which also makes me wonder how come other company can work out a solution with merchant in 30 days yet Incomm requires 90 days for case resolution?
Product: Credit card

I am currently late on a credit card due to an issue with changing checking accounts. Chase is calling my brother 's cell phone number regarding this and asking for me. My brother repeatedly asks them to stop calling and asks where they received the phone number, and they stated first, " it is the number on the account. '' ( It is not. ) Secondly, when my brother says that is not true, they finally said " We received it from a third party website to receive a relatives number. '' In addition, they are calling from an UNKNOWN phone number. This harassment needs to stop asap.
Product: Mortgage

We had a Mortgage Loan with XXXX on our primary home. 
On mid XXXX we received a notification that our loan had been transfer to a different servicer, ( SLS ) Specialized Loan Service, and that we were supposed to start payments with this company on XXXX XXXX 2015.Eventhough, we are making our payments on time every month they are sending letters that we are behind, and they refuse to send us any statements. After several attempts and letters to get our statements they keep refusing to do so. We are worried, since we noticed that we are not the only ones with this problem, and that several people are complaining about this issue with SLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is falsely reporting on my credit report and they need to remove themselves immediately.
Product: Consumer Loan

My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say.
Product: Student loan

I applied for forbearance in XX/XX/2017 and got approved. Therefore, Navient brought my account current. However, after reviewing my credit report, I noticed that Navient reported late payment to all of the credit agencies. Even thought my account became current in XX/XX/2017, Navient reported 90 and 120 days for XX/XX/2017. ( XXXX comes after XXXX ) When I reviewed my full report from each of the 3 credit agencies, I notice a discrepancy with all the 3 reports. I came to find out that what was reported to XXXX is different than what was reported to XXXX and different from what was reported to XXXX. Here is also a short summery of all accounts reported by Navient : XXXX : 90 days late payments on 6 Navient accounts for XX/XX/2017 XXXX : 120 days late payments on 6 of the 6 Navient accounts for XX/XX/2017 XXXX : 90 days late payments only 5 of Navient accounts for XX/XX/2017 I have wrote letters asking them to retract this errors from my credit report with copies of my credit report showing the errors in report. They refuse to retract the error and provide a generic explanation as to why the refuse my request.
Product: Credit card

I paid off my Care Credit account with Synchrony bank in early XXXX XXXX  via phone. The agent said it was a total pay off amount. The next month I received a bill stating no new charges rather but credits, fees, and adjustments charge. I called and spoke to a representative and they told me that the billing cycle hadnt gone all the way through and there was remaining charges. So I paid it. The next month the same thing, more fees. Eventually I closed the account and somehow it still is racking up fees every month! I even paid extra and somehow the fees were more! Its now XX/XX/year> and XXXX cant end this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my lease with XXXX, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through XXXX XXXX XXXX has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.
Product: Credit reporting or other personal consumer reports

I havent been able to get a copy of my consumer report from XXXX XXXX XXXX, XXXX, or Lexis Nexis.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts that werent there before. I have no idea how this happened or where these errors came from. I even tried refreshing the browser, thinking it might be some sort of glitch, but the inaccuracies didnt go away. Im pleading for my submitted documents to be reviewed with care so I can move forward without this constant fear.
Product: Student loan

Hey, I saw you were taking action against the Great Lakes Loans company. Though going to CCC, I've accrued a total of XXXX dollars I. Student loan Debt and PLUS loans. My PLUS loan payment on the REPAYE program is around 697 dollars, which is low compared to the previous cost of XXXX. I find these payments to be insane. I was wondering if my case could be submitted intl your lawsuit.